Cheapest Car Insurance Quotes in Ellston

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Ellston Car Insurance

^$ 19

/mo

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 Ellston

The car insurance rate in Ellston is $783 for a six-month policy, which is $84 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, making it a popular choice for budget-conscious drivers. Rates in Ellston 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 Ellston

$783

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Ellston

1st place: West Bend Mutual

At $412 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $466 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $493 for six months, making it the third cheapest auto insurance company in Ellston.

Ellston Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ellston, IA is West Bend Mutual, offering policies at just $412 for a six-month term. This is followed by Grange, which has an average six-month premium of $466.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1537 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ellston drivers find the best deals.

Cheap Car Insurance Companies in Ellston, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$412	$68
Grange	$466	$80
Travelers	$493	$83
Auto-Owners Insurance Co	$500	$85
Hastings Mutual	$512	$85
Westfield	$545	$93
IMT Insurance Company	$566	$94
State Farm	$672	$113
American Family	$692	$116
USAA	$738	$124
Pekin	$752	$125
Progressive	$758	$128
Auto-Owners	$918	$153
Farm Bureau Mutual (IA Group)	$925	$157
Farm Bureau	$1038	$172
Nationwide	$1231	$209
Grinnell Mutual	$1344	$224
Allstate	$1537	$259

Key Takeaways

Way's key takeaways about car insurance in Ellston

The auto insurance costs in Ellston fall around $412 for six months.
The cheapest auto insurance company in Ellston is Pekin.
Teen drivers pay the highest rate in Ellston at $662 per month.

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Cheapest Minimum Liability Car Insurance in Ellston

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 Ellston are given below.

Pekin provides the cheapest minimum car insurance coverage in Ellston. Their Average 6 Month Premium is $113. West Bend is the most expensive at $140 for the same period.

Cheapest Liability Coverage in Ellston, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$113	$19
Westfield	$120	$20
Hastings Mutual	$127	$21
Progressive	$133	$22
West Bend Mutual	$133	$22
USAA	$140	$24
Grange	$147	$25
State Farm	$147	$25
Farm Bureau Mutual (IA Group)	$160	$27
Auto-Owners Insurance Co	$167	$28
Iowa Farm Bureau	$179	$30
Travelers	$186	$31
Farm Bureau	$193	$32
American Family	$199	$34
Auto-Owners	$213	$36
Grinnell Mutual	$299	$50
Allstate	$439	$74
Nationwide	$466	$80
West Bend	$140	$24

Cheapest Full Coverage Car Insurance in Ellston

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 Ellston is West Bend Mutual at $68 per month and $412 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ellston, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$412	$68
Grange	$466	$80
Travelers	$493	$83
Auto-Owners Insurance Co	$500	$85
Hastings Mutual	$512	$85
Westfield	$545	$93
IMT Insurance Company	$566	$94
State Farm	$672	$113
American Family	$692	$116
USAA	$738	$124
Pekin	$752	$125
Progressive	$758	$128
Auto-Owners	$918	$153
Farm Bureau Mutual (IA Group)	$925	$157
Farm Bureau	$1038	$172
Nationwide	$1231	$209
Grinnell Mutual	$1344	$224
Allstate	$1537	$259

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Average Car Insurance in Ellston 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 Ellston, IA increasing?

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

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

Car Insurance Premiums by Age in Ellston

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 Ellston,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Ellston at $25 per month. At $3892 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$147	$25
Grange	$167	$28
West Bend Mutual	$179	$30
Iowa Farm Bureau	$206	$35
Travelers	$699	$118
USAA	$871	$147
Progressive	$1310	$221
State Farm	$1491	$251
American Family	$1763	$297
Farm Bureau	$2269	$379
Farm Bureau Mutual (IA Group)	$2495	$424
Auto-Owners	$2541	$423
Grinnell Mutual	$3021	$514
Allstate	$3326	$560
Nationwide	$3892	$662

Teen Car Insurance Rates in IA 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 Ellston, Grange is the cheapest car insurance provider. At $193 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 Ellston is Grinnell Mutual, offering rates of around $2362 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$193	$32
Westfield	$233	$39
West Bend Mutual	$240	$40
Travelers	$260	$44
Progressive	$752	$127
American Family	$865	$146
State Farm	$1609	$271
Nationwide	$1756	$299
Farm Bureau	$1790	$298
Allstate	$2328	$396
Auto-Owners	$2349	$391
Grinnell Mutual	$2362	$402

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Car Insurance Rates with An Accident in Ellston

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 Ellston, IA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Ellston

The cheapest car insurance companies after an at-fault accident in Ellston include Hastings Mutual and Pekin, offering $127 and $153, respectively. Allstate is an expensive provider with an average six-month premium of $2109.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$127	$21
Pekin	$153	$26
Western National	$199	$34
Westfield	$199	$34
Grange	$226	$38
Auto-Owners Insurance Co	$233	$39
West Bend Mutual	$233	$39
State Farm	$486	$82
Travelers	$500	$84
Progressive	$706	$119
Grinnell Mutual	$799	$134
American Family	$918	$155
USAA	$1025	$170
Auto-Owners	$1204	$205
Farm Bureau Mutual (IA Group)	$1364	$227
Farm Bureau	$1690	$288
Nationwide	$1956	$326
Allstate	$2109	$355

Ellston Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ellston IA. For example, the car insurance in Ellston after a DUI increases to $797 for a six month policy. While the rate increases by $113 for a six-month policy in the case of a speeding ticket.

Ellston auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$939	$157
One Med/PIP claim	$951	$161
Not-at-fault accident	$978	$164
One comp claim	$1005	$171
Two Med/PIP claims	$1032	$171
Child safety restraint	$1052	$179
Failure to show documents	$1052	$175
Failure to wear a seat belt	$1052	$179
Speeding 6 - 10 MPH over limit	$1052	$175
Two comp claims	$1052	$179
Driving without lights	$1057	$176
Driving with expired registration	$1084	$185
Failure to yield	$1084	$180
Illegal turn	$1084	$185
Failure to stop at a red light	$1091	$181
Wrong way/wrong lane	$1098	$187
Cell phone violation	$1104	$184
Driving too slowly	$1104	$188
Speeding 11 - 15 MPH over limit	$1104	$184
Texting while driving	$1104	$188
Speeding 16 - 20 MPH over limit	$1111	$185
Speeding in school zone	$1124	$192
Improper passing	$1131	$188
Following too closely	$1138	$194
At-fault accident - less than $1000	$1158	$193
Passing school bus	$1177	$200
Operating a vehicle without permission	$1238	$206
At-fault accident - $1000-$2000	$1258	$214
Speeding 21 - 25 MPH over limit	$1258	$209
At-fault accident - greater than $2000	$1264	$215
In 65 MPH zone	$1351	$225
Open container	$1424	$242
Racing	$1604	$268
Driving with a suspended license	$1636	$278
Reckless driving	$1677	$279
Refusal to submit to a chemical test	$1704	$290
DUI	$1736	$289
Leaving scene of an accident/hit and run	$1756	$299

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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 Ellston 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 Ellston.

The cheapest car insurance premiums in Ellston are offered by Western National at $199 for a six-month policy. However, it can be as expensive as $2602 with companies like Grinnell Mutual.

Ellston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$199	$34
Grange	$260	$44
Travelers	$260	$44
West Bend Mutual	$260	$44
Progressive	$500	$84
State Farm	$579	$97
American Family	$951	$160
Allstate	$2043	$347
Auto-Owners	$2175	$363
Farm Bureau	$2269	$385
Nationwide	$2435	$405
Grinnell Mutual	$2602	$442

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 Ellston are offered by Westfield at $147. However, it can be as expensive as $1704 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Ellston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$147	$25
West Bend Mutual	$172	$29
Western National	$199	$34
Iowa Farm Bureau	$220	$37
Travelers	$220	$37
Grange	$226	$38
State Farm	$380	$64
Progressive	$559	$94
American Family	$672	$113
Farm Bureau	$1271	$212
Grinnell Mutual	$1344	$228
Nationwide	$1543	$258
Auto-Owners	$1597	$271
Allstate	$1704	$283

Car Insurance Price Trends in Ellston, Iowa

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

The average cost of full coverage in the Ellston remained steady at $157 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Ellston remained steady at $32 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 Ellston?

The car insurance in Ellston is $19 per month, which is lower than the national average.

What is the cheapest car insurance in Ellston?

The cheapest car insurance in Ellston is $68 per month for full coverage.

How much is car insurance in Ellston for teenagers?

Car insurance for teenagers costs $147 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 Ellston?

The average cost of car insurance is $699 for a six-month policy. It will cost around $131 per month to insure your car in Ellston.

Is car insurance expensive in Ellston?

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

Cheapest Car Insurance Quotes in Ellston

Why you can trust Way?

How Much Is Car Insurance in Ellston

Avg. Car Insurance in Ellston

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Ellston

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Ellston Car Insurance Rates by Company

Cheap Car Insurance Companies in Ellston, IA

Way's key takeaways about car insurance in Ellston

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ellston

Cheapest Liability Coverage in Ellston, IA

Cheapest Full Coverage Car Insurance in Ellston

Cheapest Full Coverage Car Insurance Quotes in Ellston, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ellston by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Ellston, IA increasing?

Car Insurance Premiums by Age in Ellston

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ellston,IA

If you are in your twenties N/A is the best choice for car insurance in Ellston.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Ellston

Cheapest Car Insurance Companies after an At-Fault Accident in Ellston

Ellston Car Insurance Rates by Violation

Ellston auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ellston after a DUI

Ellston car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ellston after Speeding ticket

Car Insurance Price Trends in Ellston, Iowa

Average Car Insurance Cost in Ellston by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ellston, IA

Car Insurance Rates by State in the USA (2025 Update)

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