Cheapest Auto Insurance in Elkhart, Indiana (2025)

Elkhart drivers pay an average of $64 per month for liability insurance and $118 for full-coverage insurance. These rates are comparable to Indiana state averages but lower than the national average of $103 for liability and $182 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.

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.

Best insurer for new-car owners: Auto-Owners

Best insurer for teen drivers: State Farm

Best insurer for digital tools: GEICO

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.

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 $118 per month for full-coverage insurance. Here are some of the cheapest insurers selling full-coverage insurance in Elkhart.

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:

Liability insurance doesn’t cover your vehicle repairs or medical bills, so you should consider additional coverage for added protection:

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 $84 per month for liability car insurance.

Here are the best insurance rates for Elkhart drivers by driving record.

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.

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.

Elkhart car insurance FAQs