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Ellis Car Insurance
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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.
The car insurance rate in Ellis is $539 for a six-month policy, which is $11 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $309, making it a popular choice for budget-conscious drivers. Rates in Ellis 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 $309 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.
AutoOwners Insurance Co offers auto insurance rates at $334 for a six-month policy, making it one of the cheapest to insure with.
Idaho Farm Bureau offers auto insurance rates at $363 for six months, making it the third cheapest auto insurance company in Ellis.
Based on our research, the cheapest car insurance company in Ellis, ID is American National P&C, offering policies at just $309 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $334.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1036 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ellis drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $309 | $51 |
| Auto-Owners Insurance Co | $334 | $57 |
| Idaho Farm Bureau | $363 | $60 |
| USAA | $406 | $68 |
| Travelers | $424 | $70 |
| State Farm | $455 | $77 |
| American Family | $491 | $83 |
| American National | $540 | $92 |
| Mutual of Enumclaw | $552 | $92 |
| Farmers | $606 | $102 |
| Auto-Owners | $678 | $113 |
| Nationwide | $812 | $138 |
| Allstate | $1036 | $172 |
Save up to $971/yr with our auto insurance quotes
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 Ellis are given below.
USAA provides the cheapest minimum car insurance coverage in Ellis. Their Average 6 Month Premium is $115. Farm Bureau is the most expensive at $212 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $115 | $19 |
| American National | $128 | $21 |
| American National P&C | $128 | $21 |
| Idaho Farm Bureau | $146 | $24 |
| Auto-Owners Insurance Co | $152 | $26 |
| State Farm | $157 | $27 |
| Auto-Owners | $182 | $31 |
| Mutual of Enumclaw | $182 | $31 |
| Travelers | $206 | $35 |
| American Family | $212 | $36 |
| Farmers | $212 | $36 |
| Allstate | $315 | $52 |
| Nationwide | $363 | $62 |
| Farm Bureau | $212 | $36 |
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 Ellis is American National P&C at $51 per month and $309 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $309 | $51 |
| Auto-Owners Insurance Co | $334 | $57 |
| Idaho Farm Bureau | $363 | $60 |
| USAA | $406 | $68 |
| Travelers | $424 | $70 |
| State Farm | $455 | $77 |
| American Family | $491 | $83 |
| American National | $540 | $92 |
| Mutual of Enumclaw | $552 | $92 |
| Farmers | $606 | $102 |
| Auto-Owners | $678 | $113 |
| Nationwide | $812 | $138 |
| Allstate | $1036 | $172 |
Get Your Car Insurance Quote in Ellis Instantly!
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.
Despite maintaining a clean driving record, your car insurance rates in Ellis, 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, Ellis's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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 Ellis at $26 per month. At $3369 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 | $152 | $26 |
| Auto-Owners Insurance Co | $206 | $35 |
| Idaho Farm Bureau | $218 | $37 |
| Travelers | $1345 | $226 |
| State Farm | $1406 | $237 |
| USAA | $1630 | $277 |
| Farm Bureau | $1678 | $279 |
| Auto-Owners | $1939 | $329 |
| Farmers | $1957 | $329 |
| American Family | $2067 | $348 |
| Nationwide | $2321 | $387 |
| Mutual of Enumclaw | $2472 | $420 |
| Sentry | $2696 | $450 |
| Allstate | $3369 | $567 |
Teen Car Insurance Rates in ID by Age
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.
For those with poor credit scores in Ellis, Idaho Farm Bureau is the cheapest car insurance provider. At $224 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 Ellis is USAA, offering rates of around $836 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Idaho Farm Bureau | $224 | $38 |
| Farmers | $278 | $47 |
| State Farm | $691 | $116 |
| American Family | $715 | $120 |
| Travelers | $794 | $134 |
| Farm Bureau | $1163 | $198 |
| Auto-Owners | $1255 | $209 |
| Allstate | $1624 | $276 |
| Mutual of Enumclaw | $1636 | $272 |
| Sentry | $1842 | $313 |
| USAA | $836 | $140 |
Save up to $971/yr on car insurance rates in Ellis.
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 Ellis, ID, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Ellis include American National and AutoOwners Insurance Co, offering $163 and $175, respectively. Sentry is an expensive provider with an average six-month premium of $2442.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National | $163 | $28 |
| Auto-Owners Insurance Co | $175 | $30 |
| American National P&C | $188 | $32 |
| Idaho Farm Bureau | $188 | $32 |
| USAA | $363 | $61 |
| State Farm | $443 | $74 |
| Auto-Owners | $740 | $124 |
| American Family | $878 | $148 |
| Farm Bureau | $1000 | $166 |
| Travelers | $1152 | $196 |
| Farmers | $1158 | $193 |
| Nationwide | $1206 | $205 |
| Allstate | $1667 | $281 |
| Mutual of Enumclaw | $1860 | $316 |
| Sentry | $2442 | $407 |
Here is a list of driving violations that can increase your car insurance rates in Ellis ID. For example, the car insurance in Ellis after a DUI increases to $502 for a six month policy. While the rate increases by $150 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $740 | $123 |
| One Med/PIP claim | $746 | $126 |
| Not-at-fault accident | $763 | $128 |
| One comp claim | $787 | $134 |
| Failure to wear a seat belt | $800 | $134 |
| Two Med/PIP claims | $800 | $136 |
| Child safety restraint | $855 | $143 |
| Driving without lights | $855 | $145 |
| Two comp claims | $860 | $144 |
| Failure to show documents | $866 | $147 |
| Cell phone violation | $884 | $148 |
| Driving with expired registration | $884 | $150 |
| Following too closely | $884 | $148 |
| Illegal turn | $884 | $150 |
| Texting while driving | $884 | $148 |
| Wrong way/wrong lane | $884 | $150 |
| Driving too slowly | $890 | $149 |
| Failure to yield | $890 | $151 |
| Speeding 11 - 15 MPH over limit | $890 | $149 |
| Speeding 6 - 10 MPH over limit | $890 | $151 |
| Failure to stop at a red light | $897 | $150 |
| Improper passing | $903 | $153 |
| Speeding 16 - 20 MPH over limit | $903 | $151 |
| In 65 MPH zone | $909 | $155 |
| Speeding in school zone | $909 | $152 |
| Speeding 21 - 25 MPH over limit | $921 | $157 |
| Open container | $981 | $163 |
| At-fault accident - less than $1000 | $987 | $168 |
| Passing school bus | $1012 | $168 |
| Operating a vehicle without permission | $1024 | $174 |
| At-fault accident - $1000-$2000 | $1084 | $181 |
| At-fault accident - greater than $2000 | $1084 | $185 |
| Driving with a suspended license | $1187 | $198 |
| Reckless driving | $1193 | $203 |
| Refusal to submit to a chemical test | $1206 | $201 |
| DUI | $1242 | $211 |
| Racing | $1242 | $207 |
| Leaving scene of an accident/hit and run | $1272 | $216 |
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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.
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 Ellis.
The cheapest car insurance premiums in Ellis are offered by American National P&C at $212 for a six-month policy. However, it can be as expensive as $2011 with companies like Mutual of Enumclaw.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National P&C | $212 | $36 |
| Idaho Farm Bureau | $315 | $52 |
| Farmers | $684 | $115 |
| Travelers | $758 | $128 |
| USAA | $830 | $141 |
| American Family | $849 | $143 |
| State Farm | $921 | $155 |
| Allstate | $1381 | $233 |
| Nationwide | $1558 | $265 |
| Farm Bureau | $1684 | $281 |
| Auto-Owners | $1805 | $307 |
| Sentry | $1848 | $308 |
| Mutual of Enumclaw | $2011 | $342 |
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 Ellis are offered by AutoOwners Insurance Co at $152. However, it can be as expensive as $472 with companies like USAA for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $152 | $26 |
| Idaho Farm Bureau | $152 | $26 |
| American National P&C | $157 | $27 |
| Farmers | $237 | $40 |
| State Farm | $346 | $58 |
| American Family | $533 | $90 |
| Farm Bureau | $763 | $128 |
| Auto-Owners | $818 | $139 |
| Travelers | $1036 | $172 |
| Allstate | $1290 | $219 |
| Mutual of Enumclaw | $1545 | $257 |
| Sentry | $2266 | $386 |
| USAA | $472 | $79 |
Car insurance rates in Ellis have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Ellis rose by $152 in January compared to $136 of December. In other words, there has been an increase by $16 when you compare January and December.
The average cost of liability insurance in the Ellis dipped to $31 in January, compared to $34 in December. This represents an decrease of $3 when comparing January and December.
How much is car insurance in Ellis?
The car insurance in Ellis is $19 per month, which is lower than the national average.
What is the cheapest car insurance in Ellis?
The cheapest car insurance in Ellis is $51 per month for full coverage.
How much is car insurance in Ellis for teenagers?
Car insurance for teenagers costs $152 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 Ellis?
The average cost of car insurance is $528 for a six-month policy. It will cost around $90 per month to insure your car in Ellis.
Is car insurance expensive in Ellis?
Car insurance can be expensive in Ellis if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Ellis can be affordable.
What is the best car insurance in Ellis, ID?
The best car insurance company in Ellis ID is American National P&C, offering $309 for a six-month policy.
Cut auto insurance costs in Ellis right now.