Car Insurance in South Bend – Average Rates (2025) + Cheapest Autos

• Average car insurance cost in South Bend is $1,980 per year, or $165 per month, for a policy with full coverage.
• Car insurance rates for a few popular vehicles in South Bend include the Tesla Model 3 at $2,326 per year, Toyota Camry at $2,128, and Toyota Tacoma at $2,006.
• For cheap car insurance in South Bend, crossover vehicles like the Ford Bronco Sport, Honda CR-V, Subaru Crosstrek, and Chevrolet Trailblazer cost less than most other vehicles.

How much is car insurance in South Bend, IN?

The average price for car insurance in South Bend is $1,980 per year, which is 11.5% less than the overall U.S. national average rate of $2,221. The average monthly cost of car insurance in South Bend is $165 for a full-coverage car insurance policy.

In the state of Indiana, average car insurance cost is $2,034 per year, so the cost in South Bend averages $54 less per year. The average cost to insure a car in South Bend compared to other Indiana locations is around $156 per year cheaper than in Indianapolis, $86 per year less than in Evansville, and $16 per year less than in Fort Wayne.

Driver age is one of the largest factors in the price you pay for auto insurance, so the list below illustrates these differences by showing average car insurance rates in South Bend for driver ages from 16 to 60.

Average car insurance rates in South Bend for drivers age 16 to 60

• 16 year old – $7,050 per year or $588 per month
• 17 year old – $6,831 per year or $569 per month
• 18 year old – $6,121 per year or $510 per month
• 19 year old – $5,574 per year or $465 per month
• 20 year old – $3,982 per year or $332 per month
• 30 year old – $2,114 per year or $176 per month
• 40 year old – $1,980 per year or $165 per month
• 50 year old – $1,756 per year or $146 per month
• 60 year old – $1,644 per year or $137 per month

The chart below shows average South Bend, IN, auto insurance cost broken out for both different driver ages and policy deductible amounts. Rates are averaged for all 2024 vehicle models including luxury brands.

The average cost of car insurance per month in South Bend is $165, with prices ranging from $116 to $386 for the driver ages and policy deductibles shown above.

Car insurance rates have different premiums for every driver and depend on a lot of factors. Since the chances of having many different rates is high, this increases the need to get multiple auto insurance quotes when shopping online for the cheapest rate.

Most popular vehicles in South Bend, IN

The rates referenced above take all 2024 vehicle models and average them, which is suitable for making general comparisons like the difference in average auto insurance cost by location or driver age.

Average auto insurance rates work exceptionally well for answering questions like “is car insurance cheaper in South Bend or Hammond?” or “are car insurance rates in Indiana cheaper than in California?”.

But for more in-depth auto insurance cost comparisons, we should use rates for the specific model of vehicle being insured. Each individual model has it’s own profile for rating purposes and this data allows us to perform detailed comparisons.

The list below details average insurance cost by year and month in South Bend for popular vehicles. Later on, we examine insurance cost for some of these models even more in-depth.

Car insurance rates for popular models in South Bend

• Tesla Model 3 – $2,326 per year ($194 per month)
• Toyota Camry – $2,128 per year ($177 per month)
• Toyota Tacoma – $2,006 per year ($167 per month)
• Nissan Rogue – $1,776 per year ($148 per month)
• Jeep Grand Cherokee – $1,982 per year ($165 per month)
• Mazda CX-5 – $1,616 per year ($135 per month)
• Nissan Sentra – $1,816 per year ($151 per month)
• Chevrolet Equinox – $1,820 per year ($152 per month)
• Honda CR-V – $1,690 per year ($141 per month)
• Toyota Highlander – $1,802 per year ($150 per month)

Which vehicles cost the least to insure in South Bend?

The vehicles with the lowest cost average auto insurance prices in South Bend, IN, tend to be crossover SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, Hyundai Venue, and Nissan Kicks.

Average insurance rates for those vehicles cost $134 or less per month for full coverage car insurance.

A few other models that have low-cost car insurance prices in the cost comparison table are the Honda CR-V, Subaru Outback, Ford Bronco Sport, and Buick Encore. The average insurance cost is marginally higher for those models than the cheapest compact SUVs that rank near the top, but they still have average rates of $1,722 or less per year ($144 per month) in South Bend.

The next table shows the 50 models with the cheapest car insurance in South Bend, sorted by annual and monthly insurance cost.

The above table containing 50 vehicles with the cheapest insurance in South Bend serves the purpose if you’re just looking for any vehicle with cheap insurance rates. A more efficient way to examine auto insurance rates for different vehicles is to sort them by their automotive segment. The six sections below break out the top 20 models with the lowest cost insurance rates for the six main vehicle segments.

Cheapest cars to insure in South Bend

The cheapest non-luxury two and four door cars to insure in South Bend are the Toyota GR Corolla at $1,722 per year, the Nissan Leaf at $1,730 per year, and the Honda Civic at $1,752 per year.

Additional cars that have cheaper rates are the Toyota Prius, Honda Accord, Chevrolet Malibu, and Kia K5, with average rates of $1,928 per year or less.

On a monthly basis, full-coverage auto insurance in South Bend on this segment starts at around $144 per month, depending on where you live and the company you use. The rate comparison table below ranks the twenty cars with the lowest-cost auto insurance rates in South Bend.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Indiana.

Cheapest SUVs to insure in South Bend, IN

The top three SUVs with the lowest-cost average auto insurance rates in South Bend are the Subaru Crosstrek at $1,464 per year, the Chevrolet Trailblazer at $1,490 per year, and the Kia Soul at $1,546 per year.

Not the cheapest SUVs to insure, but still very reasonable, are SUVs like the Toyota Corolla Cross, Ford Bronco Sport, Buick Envision, and Mazda CX-5, with average cost of $1,622 per year or less.

Additional vehicles that rank well include the Volkswagen Tiguan, Volkswagen Taos, Buick Envista, and Subaru Ascent, which cost between $1,622 and $1,726 to insure per year.

From a cost per month standpoint, auto insurance rates in this segment for a middle-age safe driver will start around $122 per month, depending on where you live.

The table below ranks the twenty SUVs with the most affordable average car insurance rates in South Bend, starting with the Subaru Crosstrek at $1,464 per year and ending with the Subaru Ascent at $1,726 per year.

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Looking for rates for a different SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free South Bend car insurance quotes from top companies in Indiana.

Cheapest sports cars to insure in South Bend

Ranking highest for the lowest-cost South Bend car insurance rates in the sports car and performance segment are the BMW Z4, Mazda MX-5 Miata, Subaru WRX, Toyota GR86, and Ford Mustang. Rates for these models average $2,220 or less per year.

Also ranking well are cars like the BMW M2, Subaru BRZ, Nissan Z, and Toyota GR Supra, with an average cost to insure of $2,366 per year or less.

Some additional 2024 models that made the list include the Porsche 718, BMW M4, Porsche 911, Mercedes-Benz AMG GT53, and Chevrolet Corvette, which average between $2,366 and $3,352 to insure per year.

Car insurance in this segment for a middle-age safe driver will start around $153 per month, depending on your company and location. The next table ranks the twenty sports cars with the lowest-cost average auto insurance rates in South Bend, starting with the Mazda MX-5 Miata at $1,834 per year ($153 per month) and ending with the Porsche Taycan at $3,352 per year ($279 per month).

Don’t see rates for your sports car? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in South Bend.

Cheapest pickup insurance rates in South Bend

The most affordable pickup trucks to insure in South Bend are the Chevrolet Colorado at $1,744 per year, the Nissan Titan at $1,852 per year, and the Nissan Frontier at $1,872 per year.

Additional pickups that rank well include the GMC Sierra 2500 HD, Toyota Tacoma, GMC Canyon, and Hyundai Santa Cruz, with average cost of $2,034 per year or less.

On a monthly basis, car insurance rates in this segment for a middle-age safe driver can cost as low as $145 per month, depending on where you live and the company you use.

The comparison table below ranks the pickups with the most affordable average car insurance rates in South Bend.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see your truck in the table above? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap South Bend car insurance quotes from top auto insurance companies in Indiana.

Cheapest luxury car insurance rates in South Bend, IN

The top three luxury cars with the lowest-cost average insurance rates in South Bend are the Acura Integra at $1,760 per year, the BMW 330i at $2,018 per year, and the Mercedes-Benz CLA250 at $2,038 per year.

Some other luxury cars that rank well in our comparison include the Mercedes-Benz AMG CLA35, Lexus ES 350, Lexus RC 300, and Genesis G70, with average insurance cost of $2,082 per year or less.

From a cost per month standpoint, full-coverage insurance in this segment for an average middle-age driver starts at an average of $147 per month, depending on where you live.

When vehicle size is factored in, the cheapest compact luxury car model to insure in South Bend is the Acura Integra at $1,760 per year, or $147 per month. For midsize luxury car models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,038 per year, or $170 per month. And for full-size luxury car models, the Audi A5 has the cheapest car insurance rates at $2,354 per year, or $196 per month.

The rate comparison table below ranks the twenty luxury cars with the lowest-cost average insurance rates in South Bend, starting with the Acura Integra at $1,760 per year and ending with the Audi S3 at $2,220 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap South Bend car insurance quotes from top companies in Indiana.

Cheapest luxury SUV insurance rates in South Bend

The four highest ranking luxury SUV models with the cheapest car insurance in South Bend are the Acura RDX at $1,656 per year, Lexus NX 250 at $1,754 per year, Cadillac XT4 at $1,788 per year, and Jaguar E-Pace at $1,852 per year.

Other models that are affordable to insure include the Mercedes-Benz GLB 250, Lexus UX 250h, Lexus NX 450h, and Lincoln Corsair, with average rates of $1,910 per year or less.

In the bottom half of the top 20, models like the Acura MDX, Mercedes-Benz AMG GLB35, Cadillac XT6, Mercedes-Benz GLA250, Lexus RX 350, and Land Rover Evoque average between $1,910 and $1,988 per year for auto insurance in South Bend.

Auto insurance rates in South Bend for this segment starts at around $138 per month, depending on your company and location.

When rates are compared by vehicle size, the most budget-friendly compact luxury SUV model to insure in South Bend is the Acura RDX at $1,656 per year, or $138 per month. For midsize luxury SUVs, the Jaguar E-Pace has the best rates at $1,852 per year, or $154 per month. And for large luxury SUVs, the Infiniti QX80 has the most affordable rates at $2,220 per year, or $185 per month.

The rate comparison table below ranks the twenty luxury SUVs with the lowest-cost average car insurance rates in South Bend, starting with the Acura RDX at $1,656 per year and ending with the Lexus RX 350 at $1,988 per year.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see insurance rates for your luxury SUV? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Indiana.

Examples of rate variation

To reinforce the amount that the cost of car insurance can deviate for different applicants (and also emphasize the importance of accurate rate quotes), the examples below show a large range of rates for four popular models in South Bend: the Ram Truck, Toyota RAV4, Honda Pilot, and Toyota Camry.

Each example uses a range of risk profiles to demonstrate the potential cost difference based on changes in the type of driver rated on the policy.

Ram Truck insurance rates

Insurance for a Ram Truck in South Bend costs an average of $2,288 per year, or around $191 per month, and ranges from $1,898 to $5,276 annually for the driver profiles in the chart below.

The Ram Truck is part of the full-size truck segment, and other similar models include the Chevrolet Silverado, GMC Sierra, Nissan Titan, and Toyota Tundra.

Toyota RAV4 insurance rates

Insurance for a Toyota RAV4 in South Bend averages $1,824 per year (about $152 per month) and has a range of $1,518 to $4,202.

The Toyota RAV4 is a compact SUV, and other popular models in the same segment include the Nissan Rogue, Ford Escape, Mazda CX-5, and Chevrolet Equinox.

Honda Pilot insurance rates

Insurance for a Honda Pilot in South Bend averages $1,928 per year ($161 per month) and ranges from $1,600 to $4,456 per year.

The Honda Pilot is classified as a midsize SUV, and other top-selling models from the same segment include the Ford Edge, Kia Telluride, Toyota Highlander, and Ford Explorer.

Toyota Camry insurance rates

In South Bend, Toyota Camry insurance costs an average of $2,128 per year, or around $177 per month, and ranges from $1,770 to $4,890.

The Toyota Camry is considered a midsize car, and other top-selling models from the same segment include the Nissan Altima, Honda Accord, Kia K5, and Hyundai Sonata.

Tips for cheaper South Bend auto insurance rates

South Bend drivers are often looking to pay less for insurance So take a minute or two to look through the money-saving ideas in the list below and it’s very likely you can save a little cash on your next renewal.

• Your occupation could lower your rates. Most car insurance providers offer discounts for being employed in professions like architects, police officers and law enforcement, members of the military, high school and elementary teachers, dentists, and others. Qualifying for an occupational discount may save between $59 and $193 on your car insurance cost, subject to the policy coverages selected.
• Driving violations increase insurance rates. In order to get the cheapest car insurance in South Bend, it’s necessary to be a good, safe driver. In fact, just a couple minor moving violations could end up increasing car insurance rates by at least $526 per year. Major convictions like a DWI could raise rates by an additional $1,838 or more.
• Compare insurance cost before you buy the car. Different cars have very different car insurance rates, and car insurance companies can charge a wide range of prices. Check the cost of insurance before you buy a new car so you can avoid any surprises when you see your first bill.
• Polish up your credit rating for lower rates. Having an over-800 credit score could save up to $311 per year compared to a rating of 670-739. Conversely, a lower credit rating could cost up to $360 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Remove optional coverage on older vehicles. Removing physical damage coverage from older vehicles will reduce the cost of car insurance significantly.
• Buy vehicles with cheaper insurance rates. The vehicle you choose to drive is a huge factor in the price you pay for car insurance. As an example, a Subaru Crosstrek costs $2,236 less per year to insure in South Bend than a Acura NSX. Drive cheaper models and save money.