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Finding the cheapest car insurance quotes in Chambersburg shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Chambersburg
The car insurance rate in Chambersburg is $967 for a six-month policy, which is $96 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $395, making it a popular choice for budget-conscious drivers. Rates in Chambersburg can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $395 for a six
month policy, American Family offers
the cheapest
auto
insurance rates in the city.
2nd place: AutoOwners Insurance Co
AutoOwners Insurance Co offers auto
insurance rates at $495 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $561
for six months, making it
the third cheapest auto insurance company in Chambersburg.
Chambersburg Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Chambersburg, IL is American Family, offering policies at just $395 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $495.
At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1042 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chambersburg drivers find the best deals.
Way's key takeaways about car insurance in Chambersburg
The auto insurance costs in Chambersburg fall around $395 for six
months.
The cheapest auto insurance company in Chambersburg is Mercury.
Teen drivers pay the highest rate in Chambersburg at $64 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Chambersburg
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Chambersburg are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Chambersburg. Their Average 6 Month Premium is $165.
AAA is the most
expensive at $283 for the same
period.
Cheapest Full Coverage Car Insurance in Chambersburg
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Chambersburg is American Family
at $68 per month and $395
for six months.
Cheapest Full Coverage Car Insurance Quotes in Chambersburg,
IL
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Average Car Insurance in Chambersburg by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Chambersburg, IL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Chambersburg, Illinois, may be increasing due to several external factors.
Illinois has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Chambersburg's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Chambersburg
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Chambersburg,IL
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Chambersburg at $36
per
month. At $376 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Chambersburg.
As young drivers face the highest rates in Chambersburg, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Chambersburg,
Mercury is
the cheapest car insurance provider. At $251 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Chambersburg is Farmers, offering
rates of around $3225 for six
months.
Save up to $971/yr on car insurance rates in Chambersburg.
Car Insurance Rates with An Accident in Chambersburg
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Chambersburg, IL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Chambersburg
The cheapest car insurance companies after an at-fault accident in
Chambersburg include American Family
and AutoOwners Insurance Co, offering $264
and $276,
respectively. AAA is an expensive provider
with an average six-month premium of
$468.
Here is a list of driving violations that can increase your car
insurance rates in Chambersburg IL. For example, the car
insurance in Chambersburg
after a DUI increases to $910 for a six
month policy. While the rate increases by $244 for a six-month policy in the case of
a speeding ticket.
Chambersburg auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1088
$181
One Med/PIP claim
$1094
$186
Not-at-fault accident
$1154
$192
One comp claim
$1180
$201
Two Med/PIP claims
$1180
$196
Failure to wear a seat belt
$1265
$215
Driving without lights
$1279
$213
Child safety restraint
$1285
$219
Two comp claims
$1285
$214
Failure to show documents
$1305
$222
Speeding 6 - 10 MPH over limit
$1332
$222
Driving with expired registration
$1339
$228
Speeding 11 - 15 MPH over limit
$1365
$228
Driving too slowly
$1372
$233
Failure to yield
$1372
$229
Illegal turn
$1372
$233
At-fault accident - less than $1000
$1384
$231
Failure to stop at a red light
$1384
$235
Following too closely
$1384
$231
Speeding 16 - 20 MPH over limit
$1391
$236
Speeding in school zone
$1391
$232
Improper passing
$1397
$238
Wrong way/wrong lane
$1397
$233
Cell phone violation
$1424
$242
Texting while driving
$1424
$238
Passing school bus
$1437
$244
In 65 MPH zone
$1444
$241
Speeding 21 - 25 MPH over limit
$1457
$248
Operating a vehicle without permission
$1484
$248
At-fault accident - $1000-$2000
$1576
$268
At-fault accident - greater than $2000
$1602
$268
Open container
$1655
$282
Reckless driving
$1919
$320
Racing
$1938
$330
Driving with a suspended license
$1978
$330
Refusal to submit to a chemical test
$1991
$339
DUI
$1998
$333
Leaving scene of an accident/hit and run
$2018
$343
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Chambersburg after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Chambersburg.
The cheapest car insurance premiums in
Chambersburg are
offered by Mercury at $251 for a six-month policy.
However, it can be as
expensive as $2828 with companies
like Farmers.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Chambersburg are offered by Westfield
at $211. However,
it can be as expensive as $5183
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Chambersburg after Speeding ticket
Car Insurance Price Trends in Chambersburg,
Illinois
Car insurance rates in Chambersburg have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Chambersburg dipped by
$188 in January
compared to $214 of December. In other words, there has been an decrease by $26 when you
compare January and December.
The average cost of liability insurance in the Chambersburg dipped to $57 in January,
compared to $59 in December.
This represents an decrease of $2
when comparing January and December.
Average Car Insurance Cost in Chambersburg by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Chambersburg. At $1933 for a
six-month policy, insuring
your car at 62323 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Chambersburg?
The car insurance in Chambersburg is $28 per month, which is lower than the national average.
What is the cheapest car insurance in Chambersburg?
The cheapest car insurance in Chambersburg
is $68 per month
for full coverage.
How much is car insurance in Chambersburg for teenagers?
Car insurance for teenagers costs $211 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Chambersburg?
The average cost of car insurance is $871 for a six-month
policy. It will cost around $162 per month to insure your
car in Chambersburg.
Is car insurance expensive in Chambersburg?
Car insurance can be expensive in Chambersburg if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Chambersburg can be
affordable.
What is the best car insurance in Chambersburg,
IL?
The best car insurance company in Chambersburg
IL is
American Family, offering $395 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Chambersburg, IL
Car Insurance Rates by State in the USA (2025 Update)
Chambersburg Car Insurance
