Cheapest Car Insurance Quotes in Elk City

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Elk City Car Insurance

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Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Elk City

The car insurance rate in Elk City is $544 for a six-month policy, which is $16 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $312, making it a popular choice for budget-conscious drivers. Rates in Elk City 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.

Avg. Car Insurance in Elk City

$544

Avg. Car Insurance in Idaho

$528

National Average

$1140

Cheapest Car Insurance Companies in Elk City

1st place: American National P&C

At $312 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $337 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Idaho Farm Bureau

Idaho Farm Bureau offers auto insurance rates at $367 for six months, making it the third cheapest auto insurance company in Elk City.

Elk City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elk City, ID is American National P&C, offering policies at just $312 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $337.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1046 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elk City drivers find the best deals.

Cheap Car Insurance Companies in Elk City, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$312	$54
Auto-Owners Insurance Co	$337	$56
Idaho Farm Bureau	$367	$63
USAA	$410	$69
Travelers	$428	$73
State Farm	$459	$77
American Family	$495	$83
American National	$545	$91
Mutual of Enumclaw	$557	$95
Farmers	$612	$103
Auto-Owners	$685	$116
Nationwide	$820	$137
Allstate	$1046	$178

Key Takeaways

Way's key takeaways about car insurance in Elk City

The auto insurance costs in Elk City fall around $312 for six months.
The cheapest auto insurance company in Elk City is USAA.
Teen drivers pay the highest rate in Elk City at $542 per month.

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Cheapest Minimum Liability Car Insurance in Elk City

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 Elk City are given below.

USAA provides the cheapest minimum car insurance coverage in Elk City. Their Average 6 Month Premium is $116. Nationwide is the most expensive at $367 for the same period.

Cheapest Liability Coverage in Elk City, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$116	$20
American National	$129	$22
American National P&C	$129	$22
Idaho Farm Bureau	$147	$25
State Farm	$147	$25
Auto-Owners Insurance Co	$153	$26
Mutual of Enumclaw	$183	$31
Auto-Owners	$208	$35
American Family	$214	$36
Farm Bureau	$214	$36
Travelers	$239	$40
Farmers	$251	$42
Allstate	$367	$62
Nationwide	$367	$63

Cheapest Full Coverage Car Insurance in Elk City

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 Elk City is American National P&C at $54 per month and $312 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elk City, ID

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$312	$54
Auto-Owners Insurance Co	$337	$56
Idaho Farm Bureau	$367	$63
USAA	$410	$69
Travelers	$428	$73
State Farm	$459	$77
American Family	$495	$83
American National	$545	$91
Mutual of Enumclaw	$557	$95
Farmers	$612	$103
Auto-Owners	$685	$116
Nationwide	$820	$137
Allstate	$1046	$178

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Average Car Insurance in Elk City 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 Elk City, ID increasing?

Despite maintaining a clean driving record, your car insurance rates in Elk City, Idaho, may be increasing due to several external factors. Idaho has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Elk City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Elk City

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

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Cheapest Car Insurance Rates for Teen Drivers in Elk City,ID

If you are planning to get a car insurance policy for your teenage dependent, American National P&C provides the cheapest car insurance in the Elk City at $26 per month. At $3218 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$153	$26
Auto-Owners Insurance Co	$208	$35
Idaho Farm Bureau	$220	$37
Travelers	$1095	$184
State Farm	$1230	$207
Farm Bureau	$1382	$231
USAA	$1627	$274
Auto-Owners	$1756	$293
American Family	$1958	$330
Nationwide	$2343	$390
Farmers	$2624	$442
Allstate	$3218	$542

Teen Car Insurance Rates in ID by Age

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 Elk City, Idaho Farm Bureau is the cheapest car insurance provider. At $227 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 Elk City is Allstate, offering rates of around $1492 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Idaho Farm Bureau	$227	$38
State Farm	$514	$87
American Family	$666	$112
Travelers	$691	$116
USAA	$845	$141
Farm Bureau	$955	$163
Farmers	$991	$167
Auto-Owners	$1034	$176
Allstate	$1492	$249

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Car Insurance Rates with An Accident in Elk City

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 Elk City, ID, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Elk City

The cheapest car insurance companies after an at-fault accident in Elk City include American National and AutoOwners Insurance Co, offering $165 and $177, respectively. Allstate is an expensive provider with an average six-month premium of $1597.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$165	$28
Auto-Owners Insurance Co	$177	$30
American National P&C	$190	$32
Idaho Farm Bureau	$190	$32
State Farm	$398	$67
USAA	$422	$71
Auto-Owners	$643	$108
Farm Bureau	$826	$140
American Family	$845	$142
Travelers	$942	$161
Nationwide	$1217	$203
Farmers	$1334	$225
Allstate	$1597	$269

Elk City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elk City ID. For example, the car insurance in Elk City after a DUI increases to $508 for a six month policy. While the rate increases by $152 for a six-month policy in the case of a speeding ticket.

Elk City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$747	$125
One Med/PIP claim	$753	$128
Not-at-fault accident	$770	$129
One comp claim	$795	$135
Failure to wear a seat belt	$808	$135
Two Med/PIP claims	$808	$137
Child safety restraint	$863	$144
Driving without lights	$863	$146
Two comp claims	$868	$145
Failure to show documents	$874	$148
Cell phone violation	$893	$149
Driving with expired registration	$893	$151
Following too closely	$893	$149
Illegal turn	$893	$151
Texting while driving	$893	$149
Wrong way/wrong lane	$893	$151
Driving too slowly	$899	$150
Failure to yield	$899	$152
Speeding 11 - 15 MPH over limit	$899	$150
Speeding 6 - 10 MPH over limit	$899	$152
Failure to stop at a red light	$905	$151
Improper passing	$912	$155
Speeding 16 - 20 MPH over limit	$912	$152
In 65 MPH zone	$918	$157
Speeding in school zone	$918	$153
Speeding 21 - 25 MPH over limit	$930	$159
Open container	$991	$165
At-fault accident - less than $1000	$997	$170
Passing school bus	$1022	$170
Operating a vehicle without permission	$1034	$176
At-fault accident - $1000-$2000	$1095	$182
At-fault accident - greater than $2000	$1095	$186
Driving with a suspended license	$1199	$200
Reckless driving	$1205	$205
Refusal to submit to a chemical test	$1217	$203
DUI	$1255	$213
Racing	$1255	$209
Leaving scene of an accident/hit and run	$1284	$218

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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 Elk City 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 Elk City.

The cheapest car insurance premiums in Elk City are offered by American National P&C at $214 for a six-month policy. However, it can be as expensive as $1573 with companies like Nationwide.

Elk City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$214	$36
Idaho Farm Bureau	$318	$53
Travelers	$655	$110
State Farm	$716	$121
American Family	$808	$136
USAA	$820	$138
Farmers	$936	$158
Allstate	$1328	$224
Farm Bureau	$1388	$236
Auto-Owners	$1511	$252
Nationwide	$1573	$268

Cheapest car insurance after a speeding ticket

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 Elk City are offered by AutoOwners Insurance Co at $153. However, it can be as expensive as $1187 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Elk City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$153	$26
Idaho Farm Bureau	$153	$26
American National P&C	$159	$27
State Farm	$245	$41
USAA	$477	$79
American Family	$502	$84
Farm Bureau	$630	$105
Auto-Owners	$673	$114
Travelers	$851	$142
Farmers	$857	$144
Allstate	$1187	$198

Car Insurance Price Trends in Elk City, Idaho

Car insurance rates in Elk City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Elk City rose by $137 in December compared to $136 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Elk City remained steady at $34 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Elk City?

The car insurance in Elk City is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Elk City?

The cheapest car insurance in Elk City is $54 per month for full coverage.

How much is car insurance in Elk City for teenagers?

Car insurance for teenagers costs $153 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 Elk City?

The average cost of car insurance is $528 for a six-month policy. It will cost around $92 per month to insure your car in Elk City.

Is car insurance expensive in Elk City?

Car insurance can be expensive in Elk City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Elk City can be affordable.

What is the best car insurance in Elk City, ID?

The best car insurance company in Elk City ID is American National P&C, offering $312 for a six-month policy.