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Best cheap car insurance in Chalmers

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There are dozens of car insurance companies that serve drivers in Chalmers, Indiana. However, not all Indiana car insurance companies are created equal in terms of average cost. The cheapest car insurance company in Chalmers is Pekin, according to Bankrate’s 2021 study of quoted annual premiums.

In Chalmers, the average cost of car insurance is $1,242 per year for a full coverage policy, which equates to roughly $103 per month. A minimum coverage policy is less expensive, with an average annual rate of $345, or $28 per month. However, it is now always the best idea to purchase a minimum coverage policy for drivers looking for cheap car insurance because it provides limited coverage. You might want to talk with an insurance agent about how much car insurance is right for you.

Best cheap car insurance companies in Chalmers

Drivers looking for the best car insurance in Chalmers and the cheapest rates might want to consider Pekin, USAA, Grange and Westfield. These providers have the most affordable rates, according to premium data we studied from Quadrant Information Services. We also evaluated each company and gave it a Bankrate Score out of five points, which accounts for third-party ratings from J.D. Power and AM Best, coverage options, discounts, accessibility, claims handling and more.

When shopping for cheap car insurance in Indiana, it’s important to consider factors besides price. For example, if you want an affordable rate from a company that has excellent customer service, make sure to compare several providers to find one that has dedicated agents in your area or 24/7 claim reporting.

Insurance company Bankrate Score J.D. Power customer satisfaction score(Midwest region) Average annual premium for full coverage Average annual premium for minimum coverage
Pekin Not rated N/A $671 $204
USAA 5.0 895/1,000* $783 $219
Grange 3.8 826/1,000 $852 $239
Westfield 4.0 N/A $1,092 $207

*USAA not officially ranked by J.D. Power due to eligibility restrictions. 

Pekin

Based on sample rate data we studied, Pekin has the cheapest car insurance in Chalmers. The company’s average full coverage and minimum coverage premiums are much less expensive than the average cost of car insurance in Chalmers. In addition, Pekin has some good endorsement options that might help certain drivers, like the Young Adult Protection Plus package and a $0 deductible on glass claims, as well as plenty of potential discounts. However, the company is not rated by J.D. Power, so it’s difficult to gauge the overall customer experience.

USAA

USAA is one of the best car insurance companies in Chalmers that we studied. The average rates are very affordable, and the company has many discounts that can help you save even more money. USAA also stands out for its excellent third-party ratings, with the highest score from J.D. Power in the North Central region. However, USAA car insurance is only available to military personnel and veterans, as well as their immediate family members, so is not eligible for official ranking from J.D. Power. For those who are eligible, however, it might be a great company to consider.

Learn more: USAA Insurance review

Grange

If you are researching cheap car insurance companies, Grange is one to consider. The company offers below average rates for both full coverage and minimum coverage auto insurance policies. However, we gave Grange a Bankrate Score of 3.8, the lowest of the four provided on our list. Grange is rated below average by J.D. Power for overall customer satisfaction and you cannot get a quote online.

Learn more: Grange Insurance review

Westfield

Westfield has the most expensive average rates out of the providers we reviewed, but it’s still one of the cheapest car insurance companies in the area. Overall, Westfield is a decent car insurance provider, but it lacks coverage options and discounts compared to some of its competitors. In addition, Westfield is not rated by J.D. Power for overall customer satisfaction and you must work with an agent to get a quote or file a claim.

Learn more: Westfield Insurance review

How to get and keep the cheapest car insurance in Chalmers

If you find affordable car insurance in Chalmers, it’s important to take the necessary steps to maintain a low rate. Car insurance premiums can increase based on things like accidents, tickets and even credit score fluctuations. Here are few tips for finding and maintaining affordable rates based on your circumstances:

  • Shop around. Shopping around and getting quotes from multiple insurance providers is one of the most effective ways to get affordable rates. Most car insurance companies have a free online quote tool that makes it easy to get an instant rate estimate.
  • Avoid tickets and accidents. Insurance providers favor drivers with clean driving records and typically provide the cheapest rates for these customers. Practice safe driving habits and avoid accidents and tickets to potentially maintain a low premium.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is different for each driver. The right provider for you depends on your location, budget, the type of coverage you want and more. In addition, average car insurance rates will vary between providers, so it’s a good idea to get several rate quotes before you purchase a policy.

How much car insurance do I need in Chalmers?

Indiana drivers need liability coverage of at least $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 in property damage coverage and $50,000 for underinsured motorists’ bodily injury coverage. These are the minimum amounts required to drive legally, but most drivers may want to look into more comprehensive coverage to protect themselves financially in the event of an accident.

How can I save money on car insurance in Chalmers?

Drivers in Chalmers can save money on car insurance in numerous ways, including avoiding tickets and accidents, improving their credit scores and taking advantage of discounts. Some car insurance companies in Chalmers also have potential savings for good students, retired drivers, paying your premium in full and having an anti-theft device installed in your car, for example.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others
Edited by
Insurance Editor