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Get Cheap Car Insurance in Southeast Quality, South Bend, IN

We monitor insurance prices, helping the average driver in Southeast Quality save up to 29.1% on car insurance.

 

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The Cheapest Minimum Coverage in Southeast Quality

The chart below shows the cheapest car insurance company in Southeast Quality for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Auto-Owners Insurance, followed by State Farm, Safe Auto, and Travelers.

 
Southeast Quality Insurer Monthly Cost
Auto-Owners Insurance $52
State Farm $55
Safe Auto $56
Travelers $56

Savings for Every Kind of Southeast Quality Driver

The table shows how much the average auto insurance customer in Southeast Quality might save by following our recommendations.

Based on our extensive insurance data, we know the average Southeast Quality driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $402 per year by choosing the right vehicle insurance company. Some Southeast Quality residents are paying out over $1,380 extra every year for auto insurance in Southeast Quality. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Southeast Quality Car Insurance vs. South Bend

People living in Southeast Quality pay an average of 12.92% more than the typical driver in the state. The average driver in Southeast Quality can expect to pay about $856 per year, or $1,380 for full coverage.

Based on our analysis, Erie Insurance will be the cheapest provider in Southeast Quality for most people.

Car Insurance Prices by Southeast Quality Neighborhood

Southeast Quality, South Bend, IN map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Southeast Quality?

The map shows insurance prices in and around Southeast Quality, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $324 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,592 to a low of $1,268. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast parts of Southeast Quality.

Pick the Best Car Insurance Company for You in Southeast Quality

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Southeast Quality insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Southeast Quality

For drivers with clean driving records and no major strikes, Erie Insurance is the best option, with annual savings of $402 over the average Southeast Quality car insurance company.

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We use the average good driver, paying $82 per month, as our baseline for pricing in Southeast Quality. Travelers, Erie Insurance, and Clearcover are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Southeast Quality drivers with accidents on their records

In Southeast Quality getting into an accident will raise premiums an average 38% for a yearly cost of $2,238. That's $858 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Auto-Owners Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $628 over the competition.

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The best car insurance company for Southeast Quality drivers with speeding tickets

>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $509 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Southeast Quality, tickets raise premiums on new quotes about $508. If you have a speeding ticket, we recommend State Farm, Auto-Owners Insurance, and Clearcover for savings that beat the average insurance cost of $1,888 per year.

The best auto insurance for Southeast Quality drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,059 per year in auto insurance premiums, which was $679 more than a driver with no major issues. State Farm, Progressive, and Gainsco penalized their customers the least for a DUI.

Getting a quote from Gainsco may cost the average person with a DUI about $359 less each year.

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The least expensive car insurance company for new and young drivers in Southeast Quality

In Southeast Quality, State Farm costs young drivers $722 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 65% more for insurance than more mature drivers in Southeast Quality. With an average cost of $3,902 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Auto-Owners Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Southeast Quality

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $49. State Farm, Progressive, and Auto-Owners Insurance provided the largest discounts to couples living in Southeast Quality.

State Farm gave the largest car insurance discounts to married couples, averaging $308 saved each year compared to an average Southeast Quality couple's premiums.

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The cheapest car insurance in Southeast Quality for drivers with bad credit

People with poor credit saved an average of $440 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $737 every year. Premiums for people with poor credit were about $2,117 in Southeast Quality. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Travelers, and Auto-Owners Insurance.

The best Southeast Quality car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Southeast Quality, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Erie Insurance as the best provider in Southeast Quality.

Nationwide was the best company for customer service in Southeast Quality according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Southeast Quality, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Southeast Quality. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Southeast Quality

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 43% of Southeast Quality residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Southeast Quality driver can expect to pay about $78 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Southeast Quality, USAA has the best prices for young drivers, drivers with speeding tickets, drivers with accidents, drivers with a DUI conviction, good drivers, drivers with bad credit, and married couples.
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Auto Insurance Prices in and Around Southeast Quality

What Influences the Cost of Car Insurance in Southeast Quality?

On average, car insurance in Southeast Quality is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Southeast Quality is 25 minutes, which is a little less than average for a driver in the city.
  • Indiana state insurance regulations may allow for lower prices.
  • An average of 16 to 17 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Southeast Quality are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Southeast Quality is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Southeast Quality is $71 per month for minimum coverage and $115 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Southeast Quality driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Southeast Quality with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.