Condo insurance in South Bend, IN

Average cost of condo insurance in South Bend

The average cost of condo insurance (HO-6) in South Bend is $535 per year, which is $45 per month, for a coverage level of $40,000 for personal property and liability protection of $100,000 with a $1,000 deductible.

However, insurance rates vary depending on your location in the city, the company and the coverage limits. The highest average rate for condo insurance in South Bend is $942, $705 more than the lowest average rate of $237.

Average annual cost	$535
Average per month cost	$45
Highest average rate	$942
Lowest average rate	$237

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Cheapest condo insurance in South Bend

The most affordable condo insurance company in South Bend is State Farm, with an average yearly cost of $237. The second most affordable option is Indiana Farmers, with an average annual rate of $244.

These rates are only averages, so it's a good idea to compare quotes from different companies to find the best option for your needs.

Company	Average annual premium	Average monthly premium
State Farm	$237	$20
Indiana Farmers	$244	$20
Allstate	$389	$32
Erie Insurance	$390	$33
Farmers	$422	$35
American Family	$497	$41
Indiana Farm Bureau Grp	$589	$49
Nationwide	$613	$51
Auto-Owners	$614	$51
Travelers	$829	$69
USAA	$668	$56

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Condo insurance cost in South Bend compared with the state average

The average cost of condo insurance in South Bend is $535 per year. That is $29 more than the state average of $506.

City average cost	$535
State average cost	$506

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Condo insurance cost in South Bend by coverage level

Many factors affect the cost of your HO-6 insurance. One is the area you live in, and another important factor is how much personal property coverage you choose. Generally, the higher your coverage limit, the more expensive your condo insurance will be.

For instance, the average annual rate for personal property coverage of $40,000 is $535 or $45 per month.

Condo insurance rates in South Bend with $100,000 liability

The following table shows the cost of condo insurance for four coverage levels with a liability limit of $100,000 and $1,000 deductible.

Coverage	Average annual rate	Average per month rate
$40,000	$535	$45
$60,000	$607	$51
$80,000	$672	$56
$100,000	$738	$61

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Condo insurance cost in South Bend with $300,000 liability

The following table shows the cost of condo insurance for four coverage levels with a liability limit of $300,000 and $1,000 deductible.

Coverage	Average annual rate	Average per month rate
$40,000	$551	$46
$60,000	$624	$52
$80,000	$691	$58
$100,000	$758	$63

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Methodology

Insurance.com compared condo insurance rates provided by Quadrant Information Services from 2023 for around 29,000 cities in all states and Washington D.C for multiple coverage levels. The content has been updated for 2025.