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Finding the cheapest car insurance quotes in Elm Grove shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Elm Grove
The car insurance rate in Elm Grove is $1326 for a six-month policy, which is $181 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $429, making it a popular choice for budget-conscious drivers. Rates in Elm Grove 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 $429 for a six
month policy, Louisiana Farm Bureau offers
the cheapest
auto
insurance rates in the city.
2nd place: Farm Bureau
Farm Bureau offers auto
insurance rates at $935 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Southern Farm Bureau
Southern Farm Bureau offers auto insurance
rates at $972
for six months, making it
the third cheapest auto insurance company in Elm Grove.
Elm Grove Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Elm Grove, LA is Louisiana Farm Bureau, offering policies at just $429 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $935.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1892 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elm Grove drivers find the best deals.
Way's key takeaways about car insurance in Elm Grove
The auto insurance costs in Elm Grove fall around $429 for six
months.
The cheapest auto insurance company in Elm Grove is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Elm Grove at $110 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Elm Grove
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 Elm Grove are given below.
Louisiana Farm Bureau provides
the cheapest minimum car insurance
coverage in Elm Grove. Their Average 6 Month Premium is $204.
AAA is the most
expensive at $423 for the same
period.
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 Elm Grove is Louisiana Farm Bureau
at $71 per month and $429
for six months.
Cheapest Full Coverage Car Insurance Quotes in Elm Grove,
LA
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Average Car Insurance in Elm Grove 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 Elm Grove, LA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Elm Grove, Louisiana, may be increasing due to several external factors.
Louisiana has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Elm Grove's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Elm Grove
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
$878
30s
USAA
$713
40s
USAA
$656
50s
USAA
$627
60s
USAA
$670
70s
USAA
$686
Cheapest Car Insurance Rates for Teen Drivers in
Elm Grove,LA
If you are planning to get a car insurance policy for your teenage
dependent, Louisiana Farm Bureau provides the cheapest car
insurance in the Elm Grove at $55
per
month. At $649 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Elm Grove.
As young drivers face the highest rates in Elm Grove, USAA
offers the cheapest auto insurance rates at $878 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 Elm Grove,
Louisiana Farm Bureau is
the cheapest car insurance provider. At $366 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
Elm Grove is State Farm, offering
rates of around $5713 for six
months.
Save up to $971/yr on car insurance rates in Elm Grove.
Car Insurance Rates with An Accident in Elm Grove
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 Elm Grove, LA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Elm Grove
The cheapest car insurance companies after an at-fault accident in
Elm Grove include Louisiana Farm Bureau
and State Farm, offering $267
and $795,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1469.
Here is a list of driving violations that can increase your car
insurance rates in Elm Grove LA. For example, the car
insurance in Elm Grove
after a DUI increases to $1245 for a six
month policy. While the rate increases by $361 for a six-month policy in the case of
a speeding ticket.
Elm Grove auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1442
$240
One Med/PIP claim
$1442
$246
Two Med/PIP claims
$1458
$243
Not-at-fault accident
$1463
$249
One comp claim
$1469
$245
Two comp claims
$1522
$259
Failure to wear a seat belt
$1699
$283
Failure to show documents
$1720
$292
Child safety restraint
$1746
$291
Driving without lights
$1746
$297
Driving with expired registration
$1778
$297
Driving too slowly
$1803
$306
Speeding 11 - 15 MPH over limit
$1803
$301
Speeding 16 - 20 MPH over limit
$1803
$306
Speeding 6 - 10 MPH over limit
$1803
$301
Speeding in school zone
$1803
$306
In 65 MPH zone
$1808
$302
Cell phone violation
$1824
$310
Texting while driving
$1824
$304
Wrong way/wrong lane
$1824
$310
At-fault accident - less than $1000
$1835
$305
Failure to stop at a red light
$1835
$312
Failure to yield
$1835
$305
Following too closely
$1835
$312
Illegal turn
$1835
$305
Improper passing
$1835
$312
Passing school bus
$1851
$308
Speeding 21 - 25 MPH over limit
$1851
$315
Open container
$1903
$317
Operating a vehicle without permission
$2034
$346
At-fault accident - $1000-$2000
$2086
$348
At-fault accident - greater than $2000
$2086
$355
Reckless driving
$2519
$420
Refusal to submit to a chemical test
$2562
$436
DUI
$2687
$448
Racing
$2708
$460
Leaving scene of an accident/hit and run
$2729
$455
Driving with a suspended license
$2739
$466
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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 Elm Grove 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 Elm Grove.
The cheapest car insurance premiums in
Elm Grove are
offered by Louisiana Farm Bureau at $293 for a six-month policy.
However, it can be as
expensive as $711 with companies
like AAA.
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 Elm Grove are offered by Louisiana Farm Bureau
at $240. However,
it can be as expensive as $1678
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Elm Grove after Speeding ticket
Car Insurance Price Trends in Elm Grove,
Louisiana
Car insurance rates in Elm Grove have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Elm Grove rose by
$267 in December
compared to $263 of November. In other words, there has been an increase by $4 when you
compare December and November.
The average cost of liability insurance in the Elm Grove rose to $73 in December,
compared to $67 in November.
This represents an increase of $6
when comparing December and November.
Average Car Insurance Cost in Elm Grove by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Elm Grove. At $2652 for a
six-month policy, insuring
your car at 71051 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Elm Grove?
The car insurance in Elm Grove is $34 per month, which is lower than the national average.
What is the cheapest car insurance in Elm Grove?
The cheapest car insurance in Elm Grove
is $71 per month
for full coverage.
How much is car insurance in Elm Grove for teenagers?
Car insurance for teenagers costs $334 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
Elm Grove?
The average cost of car insurance is $1507 for a six-month
policy. It will cost around $223 per month to insure your
car in Elm Grove.
Is car insurance expensive in Elm Grove?
Car insurance can be expensive in Elm Grove if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Elm Grove can be
affordable.
What is the best car insurance in Elm Grove,
LA?
The best car insurance company in Elm Grove
LA is
Louisiana Farm Bureau, offering $429 for a
six-month policy.
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Elm Grove Car Insurance
