Car Insurance in Hammond

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FAQs About Hammond Auto Insurance

Hammond is a friendly city of 75,000 people on the very edge of Indiana. The shores of Lake Michigan make a boundary to the north, and Chicago is just 30 miles away to the northwest. The city's location on the border of Indiana and Illinois can make car insurance in Hammond confusing for local commuters. This guide can help you make informed decisions when choosing auto insurance for your family.

Why Does Your Family Need Car Insurance?

Besides legal requirements, there are many practical reasons to choose a good auto insurance policy. First, you want to stay safe on your daily commute. If you're like most workers ( 80% ) in Hammond, you get to work by car. Even if you carpool like 10% of households, you still need to carry auto insurance for the days when it's your turn to drive.

True, the city has light rail and other public transportation options, but only 2.5% of residents use them. Plus, the majority of families own two or three vehicles anyway, so it pays to invest in trustworthy car insurance in Hammond.

How Many Car Accidents Happen in Hammond?

In 2019, there were over 3,000 crashes within Hammond city limits. The surrounding region had a whopping 18,000 car accidents in total. That means that if you commute in the area, you have to watch out for more than 300 car accidents a week or nearly 50 a day.

These numbers don't take into account Chicago car accidents. In 2021, Chicago had almost 100,000 crashes. If you commute to Chicago for work or college, personal injury protection (for car accident injuries) and collision insurance (for vehicle repairs) are a must.

What Are the Minimum Requirements for Hammond Auto Insurance?

Indiana requires all drivers to carry at least basic coverage. which means:

  • Property damage liability: $25,000 per accident
  • Underinsured motorist coverage: $50,000 per accident
  • Uninsured motorist coverage: $25,000 per person or $50,000 per accident

With property damage liability, your insurance helps cover the costs of damage to other drivers' vehicles. Underinsured and uninsured motorist coverage helps you in case you get into an accident with a driver who doesn't have the proper insurance. That way, you can receive high-quality medical care after a crash.

Does Personal Injury Protection Cover Passengers?

There are 30,000 households in Hammond and 2.6 people per household, which means that many local families have kids. It's normal for you to think about keeping your children safe on the road.

Every insurance company approaches coverage differently, so you need to check the terms of your policy carefully. That said, PIP generally takes care of your injuries and those of family members riding in your vehicle ” up to your coverage limits. VIU by HUB makes it easy to compare different insurance policies to select the coverage options and limits your family needs.

How Much Does It Cost To Have Good Car Insurance in Hammond?

The average cost of car insurance in Hammond is $1,700 a year for full coverage. Basic coverage may cost around $600 annually. These rates put Hammond near the top end of insurance rates for Indiana, likely because of the proximity to Chicago, I-90 and U.S. Hwy 41. With VIU by HUB, you can see a wide range of coverage options, customize your policy and potentially save money every month.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Data USA

Illinois Department of Transportation

Indiana University Public Policy Institute

Indiana Department of Insurance

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