Cheapest Car Insurance Quotes in Elk Creek

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Elk Creek Car Insurance

^$ 24

/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 Elk Creek

The car insurance rate in Elk Creek is $961 for a six-month policy, which is $61 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $408, making it a popular choice for budget-conscious drivers. Rates in Elk Creek 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 Creek

$961

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Elk Creek

1st place: AutoOwners Insurance Co

At $408 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Cincinnati

Cincinnati offers auto insurance rates at $447 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Kentucky Farm Bureau

Kentucky Farm Bureau offers auto insurance rates at $587 for six months, making it the third cheapest auto insurance company in Elk Creek.

Elk Creek Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elk Creek, KY is AutoOwners Insurance Co, offering policies at just $408 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $447.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1117 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elk Creek drivers find the best deals.

Cheap Car Insurance Companies in Elk Creek, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$408	$70
Cincinnati	$447	$74
Kentucky Farm Bureau	$587	$99
Travelers	$765	$129
Farm Bureau	$788	$133
Shelter	$860	$145
Auto-Owners	$921	$157
Nationwide	$927	$156
USAA	$938	$158
State Farm	$1044	$176
Electric	$1083	$184
Progressive	$1206	$203
Allstate	$2368	$399
Grange	$1117	$186

Key Takeaways

Way's key takeaways about car insurance in Elk Creek

The auto insurance costs in Elk Creek fall around $408 for six months.
The cheapest auto insurance company in Elk Creek is Cincinnati.
Teen drivers pay the highest rate in Elk Creek at $1310 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 Elk Creek

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 Creek are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Elk Creek. Their Average 6 Month Premium is $140. Allstate is the most expensive at $978 for the same period.

Cheapest Liability Coverage in Elk Creek, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$140	$24
Auto-Owners Insurance Co	$190	$32
Kentucky Farm Bureau	$212	$36
Electric	$229	$39
Nationwide	$268	$45
USAA	$279	$47
Farm Bureau	$290	$49
Travelers	$302	$51
Westfield	$313	$52
State Farm	$324	$55
Progressive	$357	$60
Shelter	$380	$64
Auto-Owners	$419	$70
Allstate	$978	$165

Cheapest Full Coverage Car Insurance in Elk Creek

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 Creek is AutoOwners Insurance Co at $70 per month and $408 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elk Creek, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$408	$70
Cincinnati	$447	$74
Kentucky Farm Bureau	$587	$99
Travelers	$765	$129
Farm Bureau	$788	$133
Shelter	$860	$145
Auto-Owners	$921	$157
Nationwide	$927	$156
USAA	$938	$158
State Farm	$1044	$176
Electric	$1083	$184
Progressive	$1206	$203
Allstate	$2368	$399
Grange	$1117	$186

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Average Car Insurance in Elk Creek 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 Creek, KY increasing?

Despite maintaining a clean driving record, your car insurance rates in Elk Creek, Kentucky, may be increasing due to several external factors. Kentucky 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 Creek'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 Creek

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
20s	USAA	$930
30s	Auto-Owners	$705
40s	Auto-Owners	$689
50s	Auto-Owners	$658
60s	USAA	$684
70s	State Farm	$762

Cheapest Car Insurance Rates for Teen Drivers in Elk Creek,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Elk Creek at $30 per month. At $7783 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$179	$30
Auto-Owners Insurance Co	$268	$45
Kentucky Farm Bureau	$893	$150
Travelers	$1206	$203
Farm Bureau	$1229	$207
USAA	$1413	$238
Shelter	$1770	$298
State Farm	$2004	$337
Auto-Owners	$2792	$465
Progressive	$3741	$630
Allstate	$7783	$1310

Teen Car Insurance Rates in KY by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Elk Creek.

As young drivers face the highest rates in Elk Creek, USAA offers the cheapest auto insurance rates at $930 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 Elk Creek, Cincinnati is the cheapest car insurance provider. At $240 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 Creek is Allstate, offering rates of around $5070 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$240	$40
Nationwide	$357	$61
Travelers	$1005	$169
Progressive	$1151	$194
USAA	$1848	$308
Farm Bureau	$2406	$409
Auto-Owners	$2669	$445
Shelter	$2736	$465
State Farm	$3635	$605
Allstate	$5070	$862

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Car Insurance Rates with An Accident in Elk Creek

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 Creek, KY, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Elk Creek include AutoOwners Insurance Co and Electric, offering $285 and $285, respectively. Allstate is an expensive provider with an average six-month premium of $4104.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$285	$47
Electric	$285	$49
Cincinnati	$302	$50
Kentucky Farm Bureau	$414	$70
Farm Bureau	$587	$99
Travelers	$720	$121
State Farm	$748	$126
Shelter	$826	$139
USAA	$860	$145
Auto-Owners	$1267	$215
Progressive	$1418	$239
Allstate	$4104	$691

Elk Creek Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elk Creek KY. For example, the car insurance in Elk Creek after a DUI increases to $1168 for a six month policy. While the rate increases by $296 for a six-month policy in the case of a speeding ticket.

Elk Creek auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1362	$227
One Med/PIP claim	$1373	$233
Two Med/PIP claims	$1430	$238
Not-at-fault accident	$1468	$250
One comp claim	$1491	$248
Failure to wear a seat belt	$1508	$257
Failure to show documents	$1558	$259
Two comp claims	$1558	$265
Driving without lights	$1563	$260
Child safety restraint	$1580	$269
Cell phone violation	$1641	$274
Driving with expired registration	$1647	$280
Texting while driving	$1647	$274
Driving too slowly	$1658	$282
Failure to stop at a red light	$1658	$276
Failure to yield	$1658	$282
Speeding 6 - 10 MPH over limit	$1658	$276
Speeding in school zone	$1658	$282
Following too closely	$1664	$277
Illegal turn	$1664	$283
Speeding 11 - 15 MPH over limit	$1664	$277
Wrong way/wrong lane	$1664	$283
Improper passing	$1669	$278
Speeding 16 - 20 MPH over limit	$1669	$284
Speeding 21 - 25 MPH over limit	$1703	$284
In 65 MPH zone	$1715	$291
Passing school bus	$1742	$290
Open container	$1787	$304
At-fault accident - less than $1000	$1820	$304
Operating a vehicle without permission	$1954	$333
At-fault accident - $1000-$2000	$1977	$329
At-fault accident - greater than $2000	$1977	$337
Reckless driving	$2484	$415
Refusal to submit to a chemical test	$2518	$429
DUI	$2530	$421
Driving with a suspended license	$2535	$431
Racing	$2546	$424
Leaving scene of an accident/hit and run	$2574	$438

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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 Creek 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 Creek.

The cheapest car insurance premiums in Elk Creek are offered by Cincinnati at $374 for a six-month policy. However, it can be as expensive as $2127 with companies like AutoOwners.

Elk Creek car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$374	$62
Kentucky Farm Bureau	$497	$85
Travelers	$670	$113
Progressive	$815	$137
Shelter	$821	$138
State Farm	$843	$142
USAA	$949	$160
Allstate	$1810	$305
Farm Bureau	$1837	$306
Auto-Owners	$2127	$362

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 Creek are offered by Cincinnati at $167. However, it can be as expensive as $2786 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Elk Creek after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$167	$28
Kentucky Farm Bureau	$201	$34
Auto-Owners Insurance Co	$229	$39
State Farm	$631	$106
Travelers	$682	$115
Shelter	$731	$123
Farm Bureau	$788	$133
Progressive	$916	$154
Auto-Owners	$938	$160
USAA	$1128	$188
Allstate	$2786	$474

Car Insurance Price Trends in Elk Creek, Kentucky

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

The average cost of full coverage in the Elk Creek rose by $209 in December compared to $207 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Elk Creek rose to $58 in December, compared to $56 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Elk Creek?

The car insurance in Elk Creek is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Elk Creek?

The cheapest car insurance in Elk Creek is $70 per month for full coverage.

How much is car insurance in Elk Creek for teenagers?

Car insurance for teenagers costs $179 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 Creek?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $162 per month to insure your car in Elk Creek.

Is car insurance expensive in Elk Creek?

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

Cheapest Car Insurance Quotes in Elk Creek

Why you can trust Way?

How Much Is Car Insurance in Elk Creek

Avg. Car Insurance in Elk Creek

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Elk Creek

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Elk Creek Car Insurance Rates by Company

Cheap Car Insurance Companies in Elk Creek, KY

Way's key takeaways about car insurance in Elk Creek

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elk Creek

Cheapest Liability Coverage in Elk Creek, KY

Cheapest Full Coverage Car Insurance in Elk Creek

Cheapest Full Coverage Car Insurance Quotes in Elk Creek, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elk Creek by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Elk Creek, KY increasing?

Car Insurance Premiums by Age in Elk Creek

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elk Creek,KY

If you are in your twenties USAA is the best choice for car insurance in Elk Creek.

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 Elk Creek

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

Elk Creek Car Insurance Rates by Violation

Elk Creek auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elk Creek after a DUI

Elk Creek car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elk Creek after Speeding ticket

Car Insurance Price Trends in Elk Creek, Kentucky

Average Car Insurance Cost in Elk Creek by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elk Creek, KY

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

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