Mark is a freelance journalist and analyst with more than 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated October 30, 2024
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Table of contents
Elkhart drivers pay an average of $64 per month for liability insurance and $143 for full-coverage insurance. These rates are comparable to Indiana state averages but lower than the national average of $104 for liability and $211 for full coverage.
With a population of 55,000, Elkhart lends itself to a decreased risk of traffic accidents and property damage, which could help explain the area’s lower car insurance rates.[1]
Here’s what you need to know about finding cheap car insurance in Elkhart.
Auto-Owners, State Farm, and USAA have the cheapest car insurance in Elkhart.
Auto insurers in Indiana can consider your credit-based insurance score as a factor when determining your premium.
Indiana is an at-fault state, which means the driver who causes an accident must cover the other party’s resulting damage and loss.[2]
3 of the cheapest car insurance companies in Elkhart
Auto-Owners, State Farm, and GEICO are some of the cheapest insurance companies in Elkhart for car insurance. Insurance companies consider various factors when determining rates, which can lead to significant differences in premium quotes. This means the best policy for your friends or neighbors may look different than the ideal coverage for you.
You should always consider cost, coverage options, customer service, and more when looking for coverage. Consider reaching out to an independent agent, broker, or other licensed representative if you have specific questions you want answered.
Begin your search for cheaper coverage below.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
---|---|---|---|---|
Auto-Owners | 8.5 | $53 | $27 | New-car owners |
State Farm | 9.3 | $56 | $29 | Teen drivers |
GEICO | 9.0 | $62 | $32 | Digital tools |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for new-car owners: Auto-Owners
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $26/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $51/mo |
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Ronald W
October 29, 2024
They Cancelled Our Home Insurance
Martha
October 28, 2024
Good
Lawrence
October 24, 2024
Honest Answers to Questions
Auto-Owners’ Purchase Price Guarantee program will pay you the original purchase price of your vehicle if you total it in the first two years of ownership. This can be a major benefit because new cars quickly lose value.
The company offers a variety of other insurance products, including homeowners insurance, business insurance, motorcycle insurance, and renters insurance. Policyholders with two or more policies can benefit from a bundling discount.
Diminishing deductible coverage available
More than a dozen discounts
Mobile app rating needs improvement
Higher rates than some competitors for teens and drivers with poor credit
Best insurer for teen drivers: State Farm
User Reviews | 4.2 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $28/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $53/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Jannie
October 29, 2024
Good
Marsha
October 29, 2024
Friendly agents!
Linda
October 29, 2024
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
Teens face higher car insurance rates because they have less driving experience, leading to more accidents and claims. State Farm embraces teen drivers with the Steer Clear program that monitors their driving and offers driving training through the app. Good drivers can earn a discount.
Several discounts for teen drivers
More than 18,000 agents
Fewer discounts than some competitors
Doesn’t offer gap insurance
Best insurer for digital tools: GEICO
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $31/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $59/mo |
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Herman
October 29, 2024
Excellent
Greg
October 29, 2024
It's Expensive
Robert
October 29, 2024
Unpleasant Experience on Cape Cod
GEICO has one of the best mobile apps and websites available, which makes it the best insurer for drivers who like to deal with their insurance digitally. On the GEICO mobile app and website, you can pay your bill, file claims, store your digital insurance card, make policy changes, call for roadside assistance, and get an easy damage estimate.
24/7 customer service
Offers accident forgiveness
Mixed online customer reviews
Gap insurance not available
How to get the cheapest car insurance in Elkhart
When setting car insurance rates, insurers consider a variety of factors. They’ll not only look at your driving record but also your age, gender, ZIP code, local crime rates, and your credit score.
Here are a few ways to save money and find the cheapest car insurance in Indiana:
Shop around for coverage. Shopping for a new policy is one of the best ways to find cheaper coverage. Insurers use proprietary algorithms when setting a rate, so customer premium quotes can vary. Experts recommend shopping prices once a year and ensuring your coverage options meet your needs.
Complete a defensive driving class. Many insurers offer a small discount for drivers who take a defensive driving class. Check with your insurer for approved courses.
Ask about discounts. Insurance companies offer a variety of discounts. Bundling your home insurance, life insurance, and auto coverage will usually result in a major discount. Other common discounts include those for safe driving, electronic billing, earning good grades, having vehicle safety features, and paying your premium in full.
Increase your deductible. Increasing the deductible on your current policy will lower your premium. If you can afford to double your deductible, it can result in significant savings. But always choose a deductible you can afford if you need to file a claim.[3]
Cheapest liability-only car insurance in Elkhart: Auto-Owners
Like most states, Indiana requires all drivers to carry a liability insurance policy to drive legally. Liability-only car insurance helps cover medical and legal bills for injuries or damages you cause in an accident. It doesn’t cover your injuries or damage to your vehicle.
You may want to purchase liability-only coverage if you have an older vehicle you could easily replace after an accident. Elkhart drivers pay an average of $64 per month for liability insurance.
Here are the cheapest insurance companies in Elkhart for liability-only coverage.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Auto-Owners | $26 |
State Farm | $28 |
USAA | $30 |
GEICO | $31 |
American Family | $42 |
Clearcover | $47 |
Progressive | $52 |
Travelers | $55 |
Farmers | $58 |
National General | $60 |
Dairyland | $62 |
Direct Auto | $64 |
Allstate | $66 |
Nationwide | $73 |
The General | $77 |
Elephant | $78 |
GAINSCO | $80 |
Liberty Mutual | $80 |
Safeco | $80 |
CSAA | $82 |
Bristol West | $91 |
Foremost | $111 |
AssuranceAmerica | $123 |
State Auto | $138 |
Cheapest full-coverage car insurance in Elkhart: Auto-Owners
Full-coverage insurance includes liability protection as well as comprehensive and collision, which help pay to repair your vehicle. Collision kicks in if you have vehicle damage after colliding with another vehicle or object. Comprehensive will pay for repairs caused by perils such as fire, theft, flooding, vandalism, and more.
If you have a new car or a loan or lease on your vehicle, you should carry full-coverage insurance. Your lender will likely require you to buy coverage as a condition of purchase. It’s a good idea to purchase this coverage, even if you don’t need to.
On average, Elkhart drivers pay $143 per month for full-coverage insurance. Here are some of the cheapest insurers selling full-coverage insurance in Elkhart.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Auto-Owners | $51 |
State Farm | $53 |
USAA | $56 |
GEICO | $59 |
American Family | $79 |
Clearcover | $79 |
Progressive | $99 |
Travelers | $106 |
Midvale Home & Auto | $109 |
Farmers | $110 |
Elephant | $120 |
Allstate | $125 |
Direct Auto | $126 |
National General | $131 |
Nationwide | $138 |
CSAA | $140 |
Safeco | $149 |
GAINSCO | $160 |
Dairyland | $168 |
AssuranceAmerica | $181 |
The General | $183 |
Liberty Mutual | $187 |
State Auto | $193 |
Bristol West | $209 |
Foremost | $233 |
Cheapest recent rates near Elkhart, Indiana
Drivers using Insurify have found quotes as cheap as $47/mo for liability only and $85/mo for full coverage in Elkhart and other Indiana cities.
*Quotes generated for Insurify users in and around Elkhart, Indiana within the last 10 days. Last updated on October 30, 2024
*Quotes generated for Insurify users in and around Elkhart, Indiana within the last 10 days. Last updated on October 30, 2024
Car insurance requirements in Indiana
Indiana law requires drivers to carry a minimum amount of car insurance.[4] The minimum liability requirements will help cover costs related to injuries or property damage you cause the other driver in an accident. If losses exceed those coverage limits, you’ll need to cover any additional costs out of pocket.
Here are the specific minimum requirements in Indiana:
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $25,000 per person / $50,000 per accident |
Property damage liability | $25,000 per person |
Liability insurance doesn’t cover your vehicle repairs or medical bills, so you should consider additional coverage for added protection:
Collision coverage
Following a collision with another vehicle or object, collision insurance covers your vehicle repair costs regardless of fault.
Comprehensive coverage
If a non-collision incident causes vehicle damage — like severe weather, vandalism, or theft — comprehensive insurance can help cover the repair or replacement costs.
Medical payments coverage
When you or your passengers experience an injury following an accident, medical payments coverage can help pay for medical expenses and other losses.
Cheapest car insurance for drivers with an incident
If you have an incident on your driving record, you’ll pay more for coverage. Insurers will consider you a bigger risk for a claim if you have a speeding ticket or an at-fault accident on your driving record.
If you have a DUI or reckless driving charge on your record, your insurer will view you as a high-risk driver and charge a much higher premium. Elkhart drivers with a past incident pay an average of $91 per month for liability car insurance.
Here are the best insurance rates for Elkhart drivers by driving record.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
Auto-Owners | $26 | $34 | $35 | $43 |
State Farm | $28 | $36 | $38 | $46 |
USAA | $30 | $39 | $40 | $49 |
GEICO | $31 | $41 | $42 | $51 |
American Family | $42 | $55 | $57 | $69 |
Clearcover | $47 | $62 | $68 | $77 |
Progressive | $52 | $68 | $71 | $86 |
Travelers | $55 | $73 | $75 | $90 |
Farmers | $58 | $75 | $78 | $95 |
National General | $60 | $79 | $81 | $99 |
Dairyland | $62 | $81 | $83 | $102 |
Direct Auto | $64 | $84 | $88 | $105 |
Allstate | $66 | $86 | $89 | $109 |
Nationwide | $73 | $96 | $99 | $120 |
The General | $77 | $102 | $106 | $127 |
Elephant | $78 | $110 | $103 | $128 |
GAINSCO | $80 | $113 | $103 | $132 |
Liberty Mutual | $80 | $113 | $116 | $132 |
Safeco | $80 | $106 | $106 | $132 |
CSAA | $82 | $110 | $115 | $135 |
Bristol West | $91 | $119 | $122 | $150 |
Foremost | $111 | $157 | $160 | $183 |
AssuranceAmerica | $123 | $163 | $165 | $202 |
State Auto | $138 | $196 | $204 | $227 |
Average cost of car insurance by age
Insurers consider your age when establishing your premium, and young drivers pay the highest premiums. Statistics show that teen drivers are more likely to get into an accident resulting in a claim because they’re inexperienced and tend to take more risks than experienced drivers.
Rates decrease for drivers between the ages of 35 and 70 as they gain experience. Premiums increase again for senior drivers older than 70 due to aging-related risk factors.
The table below shows the average premium for drivers by age group.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $226 |
20s | $159 |
30s | $114 |
40s | $104 |
50s | $93 |
60s | $84 |
70s | $94 |
Elkhart car insurance quotes by credit tier
Indiana, like most states, allows insurance companies to factor in your credit-based insurance score when setting a premium. However, insurance companies in Indiana can’t use your credit history as the only factor they consider when determining rates.[5]
Drivers with poor credit scores typically pay more for insurance because statistics indicate they may file more claims compared to drivers with good or excellent credit. Here are the average full-coverage monthly premiums for car insurance coverage by credit tier in Elkhart.
Rates by Credit Tier
Elkhart car insurance FAQs
Before you start shopping around for car insurance, you should determine the right level of coverage for you. The following information should help you navigate the process of finding cheap coverage in Elkhart.
How much is car insurance in Elkhart?
Elkhart drivers pay $64 per month for liability coverage and $143 for full-coverage insurance, on average. The overall cost of car insurance in Elkhart is $104 per month. The cost of your coverage will depend on your driving record, age, credit history, and more.
Which companies have the cheapest car insurance in Elkhart?
With a liability rate of $26 per month, Auto-Owners has the cheapest car insurance company in Elkhart. State Farm and USAA also offer affordable insurance options, with monthly liability rates of $28 and $30, respectively.
The best way to find cheap car insurance is to compare quotes from multiple auto insurers.
What are the best car insurance companies in Elkhart?
State Farm is the best car insurance company in Elkhart for a few reasons, including customizable coverage options, an Insurify Quality (IQ) Score of 9.3 out of 5, and an AM Best financial strength rating of A++ (Superior). Policyholders with coverage from State Farm in Indiana pay $29 per month for liability insurance and $56 for full-coverage insurance. Other top insurers include Auto-Owners, GEICO, and Progressive.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Indiana
Sources
- United States Census Bureau. "QuickFacts Elkhart city, Indiana."
- NOLO. "Indiana Car Insurance Laws and Requirements."
- Insurance Information Institute. "12 Ways to Lower Your Homeowners Insurance Costs."
- Indiana Department of Insurance. "Auto Insurance."
- Indiana Department of Insurance. "The Use of Credit Information in Underwriting and Rating Insurance Policies."
Mark is a freelance journalist and analyst with more than 15 years of experience covering the insurance industry. He has extensive experience creating and editing content on a variety of subjects with deep expertise in insurance and automotive writing.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in