For a 40-year-old driver with a clean record, Elkhart car insurance averages about $164 a month ($1,965 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 9% below the Indiana average of $180 a month. Full-coverage averages in Elkhart run from about $94 to $219 a month across the four insurers we price.
Elkhart is priced below the Indiana average for our benchmark driver: about $16 a month less than the Indiana average and about $7 a month less than South Bend.
Our data covers three ZIP codes with an Elkhart mailing address, from about $160 a month in 46517 to $166 in 46516.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Elkhart ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Elkhart, IN?
Full coverage in Elkhart averages $1,965 a year, or about $164 a month, for our benchmark driver. Liability-only coverage at 25/50/10 limits averages $567 a year ($47 a month), and 50/100/50 liability with comprehensive and collision averages $1,956 ($163 a month).
- Full coverage (100/300/100, $500 deductibles): $1,965 a year ($164 a month)
- 50/100/50 with $500 deductibles: $1,956 a year ($163 a month)
- Liability only (25/50/10): $567 a year ($47 a month)
- Elkhart County: $1,978 a year ($165 a month) for full coverage
- Indiana average: $2,156 a year ($180 a month) for full coverage
- ZIP code range: $160 (46517) to $166 (46516) a month for full coverage
Cheap Car Insurance in Elkhart: Companies Compared
- Full-coverage range: about $94 to $219 a month across the four insurers in our rate data, for the same driver and car.
- Lowest liability-only average (25/50/10): Progressive, at about $26 a month, then Auto-Owners at $35.
- State Farm (Nov. 2025 rates)*: about $188 a month for full coverage, from its November 2025 rates.
- Also on our list: USAA at about $79 a month, GEICO at $92, Travelers at $109, Indiana Farmers at $168 and Farmers at $184 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $219 a month.
Progressive’s Elkhart average, about $94 a month, is 35% below Auto-Owners’ ($145), a lead wide enough that we show the range instead of naming a single cheapest insurer. The recent published statewide Indiana rate studies we reviewed are split on which insurer is cheapest for full coverage: two of the five put GEICO first, two Travelers and one Progressive, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average among the insurers we price, at about $26 a month, followed by Auto-Owners at $35.
Full-coverage averages by insurer in Elkhart
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $315 | $26 | $1,129 | $94 |
| Auto-Owners | $421 | $35 | $1,745 | $145 |
| Indiana Farm Bureau | $542 | $45 | $2,358 | $197 |
| Allstate | $989 | $82 | $2,630 | $219 |
| State Farm (Nov. 2025 rates)* | $566 | $47 | $2,253 | $188 |
| USAA (military families)* | $333 | $28 | $950 | $79 |
| GEICO* | $378 | $32 | $1,103 | $92 |
| Travelers* | $417 | $35 | $1,306 | $109 |
| Indiana Farmers* | $502 | $42 | $2,017 | $168 |
| Farmers* | $902 | $75 | $2,210 | $184 |
| Elkhart average | $567 | $47 | $1,965 | $164 |
This table uses Elkhart ZIP codes only. See how we calculated these rates.
Elkhart Car Insurance Rates by ZIP Code
Across the three Elkhart ZIP codes we price, full coverage for our driver ranges from about $160 a month in 46517 to $166 in 46516, a gap of $74 a year. 46517, on the south side, is the least expensive Elkhart ZIP code in our data, and 46514 and 46516 are within a dollar of each other.
Lowest-priced Elkhart ZIP code
Highest-priced Elkhart ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Elkhart’s average.
| ZIP Code: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 46514 | $568 | $47 | $1,984 | $165 | +1% |
| 46516 | $575 | $48 | $1,993 | $166 | +1% |
| 46517 | $558 | $47 | $1,919 | $160 | -2% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Elkhart?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Elkhart data: with the same $500 deductibles, full coverage averages $1,965 a year and 50/100/50 averages $1,956. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Auto-Owners charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Elkhart?
Yes, for our benchmark driver. Comparing the same insurers in the same Elkhart ZIP codes, full coverage averaged $1,936 a year in rates as of Nov. 30, 2025, and $1,965 as of Aug. 31, 2026, a 1.5% increase. Progressive cut its Elkhart average 2.1%, while Indiana Farm Bureau raised its average 5.7% and Auto-Owners 0.9%; Allstate’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/10 limits was about unchanged.
What Shapes Car Insurance Costs in Elkhart
Elkhart County averages about $165 a month for full coverage, the 67th-most expensive of the 86 Indiana counties we price.
Goshen, the county seat to the southeast, averages about $163 a month. Indiana insurers price by location as well as by driver and car, so your ZIP code can move your price.
How Elkhart Car Insurance Compares With Other Indiana Cities
More Indiana cities and towns are in the Indiana rates by city table, and you can compare states on our car insurance rates by state page.
Mishawaka, about 11 miles west, averages $167 a month, and South Bend $171.
What Car Insurance Is Required in Elkhart?
Drivers in Elkhart follow Indiana’s rules. Every policy must include at least 25/50/25 liability coverage:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
Every new Indiana policy also includes uninsured and underinsured motorist coverage unless you reject it in writing.
Our Indiana requirements guide covers the details and what happens if you’re caught without insurance.
How to Lower Your Car Insurance Rate in Elkhart
- Compare Progressive and Auto-Owners first. They have the two lowest full-coverage averages among the insurers we rank in Elkhart, about $94 and $145 a month.
- Quote several insurers. Among the insurers we rank in Elkhart, the lowest and highest averages are about $125 a month apart for the same driver and car.
- Think twice before rejecting uninsured motorist coverage. New Indiana policies include it unless you reject it in writing (a rejection carries over to your renewals), and it pays for your injuries when the at-fault driver has no insurance or too little. Our full-coverage prices include it at 100/300.
- Compare at every renewal. Since November 2025, Progressive has cut its Elkhart average 2.1%, while Indiana Farm Bureau has raised its average 5.7% and Auto-Owners 0.9%, so the order in our table can shift.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Indiana home insurance rates.
Ready to compare
How We Calculated Elkhart Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 12 full-coverage premiums from four insurers across three Elkhart ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Indiana averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/10 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Indiana’s minimum has been 25/50/25 since July 1, 2018, so our liability-only prices use lower limits than the law requires. The package’s $10,000 property damage limit and 25/50 underinsured motorist limits are both lower than Indiana requires: $25,000 for property damage and, according to the Department of Insurance, $50,000 for underinsured motorist bodily injury coverage when a policy includes it.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm’s row uses its November 2025 rates, so it’s left out of rate-change comparisons; the other four insurers are compared in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Indiana rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Indiana law and the Indiana Department of Insurance. We refresh these figures when new rate data is released.
Elkhart Car Insurance FAQ
For our benchmark driver, full coverage in Elkhart averages about $164 a month ($1,965 a year) and liability-only coverage at 25/50/10 limits about $47 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 9% below the Indiana average of $180 a month.
It depends on the coverage. For full coverage, averages in Elkhart run from about $94 to $219 a month across the four insurers we price, and the gap between the two lowest is too wide for us to call one insurer the cheapest. For liability-only coverage at 25/50/10 limits, Progressive has the lowest average, at about $26 a month. The recent published statewide Indiana rate studies we reviewed are split on which insurer is cheapest for full coverage: two of the five put GEICO first, two Travelers and one Progressive, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Elkhart, by a little, for our benchmark driver. Elkhart full coverage averages about $164 a month and South Bend about $171.
In our data, 46517 has the lowest full-coverage average in Elkhart, at about $160 a month, and 46516 the highest, at about $166. The ZIP code table on this page lists all three.
In our Elkhart data, full coverage (100/300/100 with $500 deductibles) averages about $164 a month and liability-only coverage at 25/50/10 limits about $47, a difference of about $117 a month ($1,398 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Yes, for our benchmark driver. Comparing the same insurers and ZIP codes, Elkhart full coverage rose 1.5% between November 2025 and August 2026, from about $1,936 to $1,965 a year. Progressive cut its Elkhart average 2.1%, while Indiana Farm Bureau raised its average 5.7% and Auto-Owners 0.9%. Liability-only coverage at 25/50/10 limits was about unchanged.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
