Best cheap car insurance in Chalmers

1

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for

Chalmers, Indiana is a small, rural town with a population of almost 500 residents. Although Chalmers is a small town, average insurance rates are on par with large metropolitan cities in Indiana. The annual cost of car insurance in Chalmers is $345 a year for minimum coverage and $1,242 a year for full coverage insurance, which is relatively close to the state average of $367 for minimum and $1,254 for full coverage.

There are ways that Chalmers residents can save even more on their car insurance premiums. To find the best provider in Chalmers, Bankrate compared the top providers based on competitive rates, customer experience scores from J.D. Power and availability in the area.

Best car insurance companies in Chalmers

These car insurance providers provide some of the best available car insurance options for Chalmers residents:

Insurance Company J.D. Power Score Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Pekin NR $204 $671
Westfield 836 / 1,000 $207 $1,092
USAA 897 / 1,000 $219 $783
Grange 832 / 1,000 $239 $852

Pekin

Pekin is by far the cheapest car insurance in Chalmers. Rates are well below the town’s — and the state’s — average. Pekin’s car insurance discounts are what you’d expect from most carriers, including multi-car, insurance bundling and anti-theft equipment. Drivers who finance or lease their vehicle and need full coverage will find that Pekin’s average full coverage rates of $671 are very competitive.

Westfield

Westfield’s car insurance premiums are on par with Pekin’s for basic coverage. To get the best coverage for the best price, sign up for a Wespak bundled policy. The package bundles home and auto insurance with extras included such as loan/lease, trip protection and replacement cost coverage.

USAA

USAA consistently ranks as the best car insurance company by customers who participate in J.D. Power’s customer satisfaction studies. However, the company can’t be compared with other providers in this study because it only provides insurance to military members and their eligible family members.

In addition to excellent service, USAA’s rates are among the lowest available. It doesn’t offer a ton of discounts, but the savings available are tailored towards military personnel and are not available at many other carriers.

Grange

Grange Insurance premiums are low, thanks to discounts other carriers may not offer. Enroll in the OnTrack telematics program to allow a mobile app to monitor your driving for insurance discounts. Grange also works with new drivers by providing online insurance articles to learn about car insurance and discounts for younger drivers.

Cheapest car insurance in Chalmers

The average cost of car insurance in Chalmers of $345 for minimum and $1,242 for full car insurance is on par with Indiana’s average cost. It is lower than the average national cost of $565 for minimum and $1,674 for full coverage. Chalmers residents can help keep premiums low with these cheap providers:

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
USAA $219 $783
Auto-Owners $272 $1,085
State Farm $280 $884
Erie $290 $1,036
Geico $313 $1,241

All five providers are major national insurance companies. While Auto-Owners offers cheap minimum coverage, it’s worth noting that their full coverage rates are slightly higher than others on this list. State Farm provides reasonable minimum and full coverage options, and USAA’s coverage is limited to military personnel and family. Otherwise, Auto-Owners, State Farm, Erie and Geico all provide affordable car insurance options and decent customer service.

Chalmers insurance requirements

Indiana requires all drivers to carry a minimum amount of liability coverage, including:

  • Uninsured Motorists: Bodily Injury: $25,000/$50,000
  • Property Damage: $25,000
  • Under-insured Motorists: Bodily Injury: $50,000

Keep in mind that liability coverage only includes injuries and property damage you cause to third parties when you’re at fault in an accident. If you can’t afford to pay out-of-pocket for repairs or replacement of your vehicle, full coverage is something worth considering. It adds collision and comprehensive insurance that pays for repairs and replacement of your car. Some providers also offer customizable car insurance packages. It’s a good idea to shop around and compare providers or speak with a licensed insurance agent to maximize value.

Car insurance discounts in Chalmers

Most car insurance providers typically provide these discounts:

  • Accident forgiveness: Prevents premiums from rising after an accident.
  • Bundling: Purchasing multiple policies with the same insurance company can save you money.
  • Loyalty: The longer you stay with the same car insurance company, the more significant the discount you’ll receive; some providers also provide discounts for switching from another company.
  • Good student: Young drivers face the highest premiums of all age groups. These costs can be offset by young drivers on your policy maintaining good grades.

Typically, bundling multiples policies provides the most savings to drivers. Ensuring that you purchase a vehicle with standard safety features such as airbags and anti-theft devices installed can also save you money.

Frequently asked questions

What is the best car insurance company?

The best car insurance company is different for everyone based on their unique needs. It’s a good idea to shop around and compare providers and quotes before deciding on a provider. If in doubt, speak with a licensed insurance agent.

How much does car insurance in Chalmers cost?

The average annual cost of insurance in Chalmers, Indiana is $345 for minimum and $1,242 for full insurance, but rates will vary by driver. There are ways for drivers in the area to save money, such as switching providers or looking for additional discounts.

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, $25,000 in property damage coverage and $50,000 for underinsured motorists’ bodily injury coverage. These are minimum amounts, and most drivers may want to look into more comprehensive coverage to protect themselves in the event of an accident financially.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 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 coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.