Cheap Calumet, IN Auto Insurance Rates for 2021

Calumet, IN is an area of Hammond near the Illinois border. Calumet encompasses some of the areas with the cheapest auto insurance rates. When looking for insurance companies, drivers should expect to pay at least $2,500 annually for coverage and up to $5,000. Learn more about auto insurance in Calumet, IN.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 18, 2021

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What You Should Know

  • The ZIP code 46324 has the most affordable rates in the area.
  • Calumet, IN refers to the border community between Calumet City, Illinois and Hammond, Indiana.
  • GEICO offers the most competitive rates for the area.

Calumet, IN is a fairly large township within the greater Hammond area. But, generally, we’re talking about the Calumet City area near Hammond, Indiana. These are the ZIP codes we will cover in this article about affordable Calumet, IN auto insurance.

Indiana auto insurance rates will vary depending on your age, marital status, and also crime rates in your area. Keep reading to learn what to expect when you buy Calumet, IN auto insurance policies.

If you’re ready to start comparing Calumet, IN auto insurance quotes now, use our free tool. Enter your ZIP code to see auto insurance rates available in your area.

What is the cheapest auto insurance company in Calumet, IN?

Because auto insurance is based on a broad scale of factors, determining what company offers the most affordable auto insurance in Calumet can be challenging. To make it easier, we broke it down into a series of charts.

First, let’s look at coverage types. Let’s assume that low coverage refers to the state minimum liability requirement and high refers to the most coverage available. As you can see from the table below, GEICO is the most affordable option for drivers in Calumet.

Calumet, IN Average Annual Auto Insurance Rates By Company and Coverage Level
GroupAverage Annual Rates for High CoverageAverage Annual Rates for Low CoverageAverage Annual Rates for Medium CoverageAverage Annual Rates for Average Coverage
Allstate$4,672.12$4,102.32$4,353.00$4,375.81
American Family$4,736.49$4,824.97$5,017.89$4,859.78
Farmers$4,244.70$3,943.36$4,081.58$4,089.88
GEICO$2,801.28$2,471.61$2,626.66$2,633.18
Liberty Mutual$9,621.88$9,019.14$9,286.97$9,309.33
Nationwide$4,142.90$4,211.33$4,122.13$4,158.79
Progressive$5,131.67$4,508.82$4,704.98$4,781.82
State Farm$3,269.32$2,938.62$3,104.51$3,104.15
Travelers$4,674.49$4,503.15$4,654.80$4,610.81
USAA$2,393.62$2,165.79$2,268.06$2,275.82
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Though USAA clearly has the most affordable options, its policies are not for everyone, only military affiliates and their immediate families. If you qualify, check out USAA auto insurance and compare it with GEICO auto insurance.

Now, let’s look at how your demographics affect your insurance rates. The Indiana Department of Insurance reports that these are some of the factors insurance companies may use when calculating your auto insurance quotes in Calumet, IN.

  • Age and sex
  • Marital status
  • Driving record

The chart below looks at how age and marital status affect your auto insurance rates in Calumet, IN from well-known providers.

Average Calumet, IN Average Annual Auto Insurance Rates by Company, Age, and Marital Status
GroupMarried 35-year old Female Average Annual RatesMarried 35-year old Male Average Annual RatesMarried 60-year old Female Average Annual RatesMarried 60-year old Male Average Annual RatesSingle 17-year old Female Average Annual RatesSingle 17-year old Male Average Annual RatesSingle 25-year old Female Average Annual RatesSingle 25-year old Male Average Annual RatesAverage Annual Rates
Allstate$2,634.23$2,683.68$2,332.65$2,556.78$8,487.93$10,806.25$2,644.68$2,860.31$4,375.81
American Family$3,061.49$3,061.49$2,756.00$2,756.00$8,344.27$12,074.75$3,061.49$3,762.77$4,859.78
Farmers$1,862.40$1,837.08$1,593.87$1,787.65$9,947.53$10,593.04$2,447.40$2,650.07$4,089.88
GEICO$1,788.94$1,783.51$1,677.09$1,732.73$5,299.02$4,932.60$2,047.10$1,804.47$2,633.18
Liberty Mutual$6,349.77$6,349.77$5,832.98$5,832.98$13,951.47$21,086.89$6,349.77$8,721.01$9,309.33
Nationwide$2,552.50$2,617.58$2,224.75$2,389.27$7,454.94$9,747.07$2,993.80$3,290.40$4,158.79
Progressive$2,008.34$1,896.83$1,818.67$1,829.28$12,029.89$13,556.72$2,530.91$2,583.95$4,781.82
State Farm$1,887.62$1,887.62$1,700.27$1,700.27$5,814.92$7,427.83$2,093.11$2,321.56$3,104.15
Travelers$1,653.91$1,687.36$1,531.82$1,539.54$10,276.11$16,417.21$1,740.26$2,040.31$4,610.82
USAA$1,439.44$1,415.08$1,350.12$1,353.52$4,087.34$4,538.25$1,949.04$2,073.80$2,275.82
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Let’s dig a little deeper into auto insurance rates in Indiana.

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What auto insurance coverage is required in Calumet, IN?

Every auto insurance policy in Calumet, Indiana must include uninsured and underinsured motorist coverage (unless you formally reject it in writing).

Minimum liability limits are:

  • Uninsured motorists: bodily injury: $25,000/$50,000
  • Property damage: $25,000
  • Underinsured motorists: bodily injury: $50,000

Let’s learn a little more about what factors could change how much you spend each year on auto insurance.

What affects auto insurance rates in Calumet, IN?

Calumet, IN weather, may be your biggest hurdle when comparing auto insurance rates for Calumet, IN. The Indiana Department of Insurance says that these factors can also affect your policy premium:

  • Car use
  • Place of residence
  • Policy limits
  • Deductibles
  • Type of car
  • Driver training
  • Claims history

Credit score will also play a role in your overall auto insurance costs. Depending on how good your score is and what company you choose, rates can vary by thousands of dollars.

Someone with poor credit could pay $5,000 annually with Travelers but could be paying upward of $12,000 per year with Liberty Mutual for the same policy.

The Bottom Line

As we can see from the tables and comparisons, GEICO, USAA and Travelers offer consistently lower rates to Calumet, IN drivers when compared to other big-name companies.

But you don’t have to take our word for it. Use our free tool to compare Calumet, IN auto insurance companies. Enter your ZIP code to see rates available right now in Calumet, IN.

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