Cheap Auto Insurance in Chalmers, Illinois

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After researching quotes from 28 auto insurance companies in nearby Marcomb, we found that Chalmers residents will likely get the cheapest car insurance by getting a policy with Farmers. With a rate of $564 per year, Farmer's quote was 45% less than the citywide average. However, the only way to ensure you're getting the best rate for your specific driver profile is to compare quotes. Enter your zip code above to begin collecting car insurance quotes.

Chalmers, Illinois Car Insurance Costs

We found that the average cost of car insurance for our Macomb driver to be $1,020 annually—which is $138 less per year than the Illinois state average of $1,158. The most expensive insurance company, which was Metlife, quoted our profile driver a rate more than 200% more expensive than Farmers—the cheapest insurer.

Comparing the cost of auto insurance in Chalmers, Illinois

Chalmers, Illinois Auto Insurance Agents

For Chalmers drivers that are interested in purchasing a car insurance policy directly from a local agent, we've compiled a directory of agencies and their contact information. For individuals that aren't comfortable purchasing a policy from an insurance company directly, this service can be especially helpful—an agents are can help answer questions.

Purdum-Gray-Ingledue Inc215 E Jackson St, Macomb, IL 61455309-833-1755
Crossroads Consulting & Brokerage Inc704 S Broadway, Table Grove, IL 61482309-758-5071
Hometown Insurance Center Of La Harpe108 E Main St, La Harpe, IL 61450217-659-3331
Greater Midstates Insurance Agency Inc114 South Broadway, Stronghurst, IL 61480309-924-1717
Joseph W Redshaw240 N Liberty, Rushville, IL 62681217-322-2810
Harmon & Harmon Insurance Agency Inc200 Western Ave, Abingdon, IL 61410309-462-2305
Cason Huff And Schlueter Inc111 W Washington St, Mt Sterling, IL 62353-1212217-773-3397
Richard E Pearson1900 Jackson Ave, Beardstown, IL 62618217-323-2868
Town & Country Insurance Agency LTD301 N Main St, Canton, IL 61520309-647-1360
Cason Huff And Schlueter Inc74 East Pine, Canton, IL 61520309-647-8380
Miller Dredge Insurance456 E Main St, Galesburg, IL 61401-1559309-342-4181
Staggs Insurance Agency Inc1429 Grand Ave, Galesburg, IL 61401309-343-8371
Rebecca J Clark1134 N Henderson St Ste B, Galesburg, IL 61401309-342-1802
Wayne S Marting Ins & Real Estate1235 Mulholland Street, Nauvoo, IL 62354217-453-6344
IPartners Insurance Services Inc77 E Fort, Farmington, IL 61531309-245-4374
Greater Midstates Insurance Agency Inc120 Railroad St, Chandlerville, IL 62627217-458-2524
Ronald G Beck Insurance Agency206 W Collins St, Mendon, IL 62351217-936-2468
Farnam Insurance Agency120 N Broadway, Manito, IL 61546309-968-6652
L & H Insurance Agency322 S Pearl, Bluffs, IL 62621217-754-3378
Bill Smock Insurance Inc501 Sw 3rd Street, Aledo, IL 61231309-582-2098
Ford & Maynard Agency104 S E 3rd Ave, Aledo, IL 61231309-582-7218
Greater Midstates Insurance Agency Inc2601 Northridge Dr, Quincy, IL 62305217-653-7213
Cason Huff And Schlueter Inc331 S 36th St Ste 5, Quincy, IL 62305217-222-0263

Car Insurance Requirements in Chalmers, Illinois

The state of Illinois requires all driver to have car insurance to legally operate a vehicle on public roads. Bodily Injury and property damage liability coverage—which are common requirements among states—are required as along with uninsured motorist bodily injury coverage, the minimum limits of which we've included below.

  • Bodily Injury (BI): $25,000 per person / $50,000 per accident
  • Property Damages (PD): $20,000 per accident
  • Uninsured Motorist Bodily Injury (UMBI): $25,000 per person / $50,000 per accident

Chalmers, Illinois Motor Vehicle Theft Statistics

In Macomb—a city adjacent to Chalmers—there have been 8 fatal car crashes, accounting for 10 total deaths. With 2 fatal accidents, Harley-Davidson motorcycles have been involved in the most fatal crashes any vehicle in Macomb. Auto insurers set rates based on the frequency of vehicle crashes in a given zip code—with areas with a low crash rate paying more for coverage than areas with high crash rates.

Chalmers Auto Theft and Fatal Accident Statistics

Illinois Thefts per 1,000 People2.07
Macomb Auto Accidents8
Macomb Auto Fatalities10

Fatal Crashes in Chalmers by Vehicle Make and Model

Make and ModelFatalitiesAccidents
Harley-Davidson 750cc or greater22
Buick Lucerne21
Ford F-Series pickup11
Volkswagen Beetle 1300/150011
Other Make * Sterling01

Deadliest Roads in Chalmers

N 2600TH AVE21

Fatal Car Crashes in Chalmers by Day of Week

Day Of WeekFatalitiesAccidents

Bailey is a Research Analyst at ValuePenguin, covering insurance. He graduated from Occidental College with a B.A. in Mathematics and a minor in Computer Science. Bailey's analysis has been featured by CNBC, the Houston Chronicle and the National Transportation Bureau Safety Board.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.