Cheapest Car Insurance Quotes in Elmwood

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Elmwood Car Insurance

^$ 48

/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 Elmwood

The car insurance rate in Elmwood is $2079 for a six-month policy, which is $389 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $599, making it a popular choice for budget-conscious drivers. Rates in Elmwood 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 Elmwood

$2079

Avg. Car Insurance in Louisiana

$1690

National Average

$1278

Cheapest Car Insurance Companies in Elmwood

1st place: Louisiana Farm Bureau

At $599 for a six month policy, Louisiana Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Southern Farm Bureau

Southern Farm Bureau offers auto insurance rates at $1359 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1804 for six months, making it the third cheapest auto insurance company in Elmwood.

Elmwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elmwood, LA is Louisiana Farm Bureau, offering policies at just $599 for a six-month term. This is followed by Southern Farm Bureau, which has an average six-month premium of $1359.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $2915 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elmwood drivers find the best deals.

Cheap Car Insurance Companies in Elmwood, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$599	$102
Southern Farm Bureau	$1359	$226
USAA	$1804	$304
Progressive	$2031	$342
Farm Bureau	$2119	$357
State Farm	$2236	$376
Safeway	$2287	$385
SafeAuto	$2323	$387
Encompass	$2375	$403
Allstate	$2828	$476
AAA	$2915	$496

Key Takeaways

Way's key takeaways about car insurance in Elmwood

The auto insurance costs in Elmwood fall around $599 for six months.
The cheapest auto insurance company in Elmwood is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Elmwood at $1472 per month.

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Cheapest Minimum Liability Car Insurance in Elmwood

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 Elmwood are given below.

Louisiana Farm Bureau provides the cheapest minimum car insurance coverage in Elmwood. Their Average 6 Month Premium is $285. Safeway is the most expensive at $892 for the same period.

Cheapest Liability Coverage in Elmwood, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$285	$48
Southern Farm Bureau	$475	$81
USAA	$599	$101
Progressive	$614	$103
State Farm	$643	$108
Farm Bureau	$738	$124
AAA	$760	$127
Allstate	$768	$129
SafeAuto	$833	$139
Safeway	$892	$150

Cheapest Full Coverage Car Insurance in Elmwood

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 Elmwood is Louisiana Farm Bureau at $102 per month and $599 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elmwood, LA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$599	$102
Southern Farm Bureau	$1359	$226
USAA	$1804	$304
Progressive	$2031	$342
Farm Bureau	$2119	$357
State Farm	$2236	$376
Safeway	$2287	$385
SafeAuto	$2323	$387
Encompass	$2375	$403
Allstate	$2828	$476
AAA	$2915	$496

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Average Car Insurance in Elmwood 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 Elmwood, LA increasing?

Despite maintaining a clean driving record, your car insurance rates in Elmwood, 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, Elmwood's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Elmwood

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	$1228
30s	USAA	$996
40s	USAA	$918
50s	USAA	$877
60s	USAA	$936
70s	USAA	$959

Cheapest Car Insurance Rates for Teen Drivers in Elmwood,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 Elmwood at $77 per month. At $8658 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$467	$77
State Farm	$3558	$599
USAA	$3799	$633
Safeway	$5808	$988
Allstate	$6459	$1076
Progressive	$6707	$1129
Farm Bureau	$7599	$1267
AAA	$8658	$1472

Teen Car Insurance Rates in LA by Age

Way Tip

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

As young drivers face the highest rates in Elmwood, USAA offers the cheapest auto insurance rates at $1228 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 Elmwood, Louisiana Farm Bureau is the cheapest car insurance provider. At $512 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 Elmwood is State Farm, offering rates of around $11384 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$512	$87
Allstate	$2177	$363
Progressive	$2440	$411
USAA	$2477	$413
Safeway	$2485	$422
Farm Bureau	$4712	$786
AAA	$8271	$1406
State Farm	$11384	$1897

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Car Insurance Rates with An Accident in Elmwood

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 Elmwood, LA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Elmwood include Louisiana Farm Bureau and State Farm, offering $373 and $1461, respectively. AAA is an expensive provider with an average six-month premium of $4669.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$373	$62
State Farm	$1461	$246
USAA	$1645	$277
Progressive	$1804	$304
Safeway	$2105	$354
Farm Bureau	$2279	$387
Allstate	$2316	$390
AAA	$4669	$793

Elmwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elmwood LA. For example, the car insurance in Elmwood after a DUI increases to $1739 for a six month policy. While the rate increases by $504 for a six-month policy in the case of a speeding ticket.

Elmwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2016	$336
One Med/PIP claim	$2016	$343
Two Med/PIP claims	$2038	$339
Not-at-fault accident	$2045	$348
One comp claim	$2053	$342
Two comp claims	$2127	$362
Failure to wear a seat belt	$2375	$396
Failure to show documents	$2403	$408
Child safety restraint	$2440	$407
Driving without lights	$2440	$415
Driving with expired registration	$2485	$415
Driving too slowly	$2520	$428
Speeding 11 - 15 MPH over limit	$2520	$421
Speeding 16 - 20 MPH over limit	$2520	$428
Speeding 6 - 10 MPH over limit	$2520	$421
Speeding in school zone	$2520	$428
In 65 MPH zone	$2528	$422
Cell phone violation	$2550	$433
Texting while driving	$2550	$426
Wrong way/wrong lane	$2550	$433
At-fault accident - less than $1000	$2565	$427
Failure to stop at a red light	$2565	$437
Failure to yield	$2565	$427
Following too closely	$2565	$437
Illegal turn	$2565	$427
Improper passing	$2565	$437
Passing school bus	$2587	$431
Speeding 21 - 25 MPH over limit	$2587	$440
Open container	$2659	$443
Operating a vehicle without permission	$2843	$483
At-fault accident - $1000-$2000	$2915	$486
At-fault accident - greater than $2000	$2915	$496
Reckless driving	$3521	$587
Refusal to submit to a chemical test	$3581	$609
DUI	$3755	$626
Racing	$3785	$643
Leaving scene of an accident/hit and run	$3814	$636
Driving with a suspended license	$3829	$651

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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 Elmwood 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 Elmwood.

The cheapest car insurance premiums in Elmwood are offered by Louisiana Farm Bureau at $410 for a six-month policy. However, it can be as expensive as $4319 with companies like AAA.

Elmwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$410	$68
Southern Farm Bureau	$1688	$287
Progressive	$2060	$347
Farm Bureau	$2279	$387
USAA	$2783	$469
Safeway	$2878	$485
State Farm	$3208	$540
Allstate	$3521	$593
AAA	$4319	$720

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 Elmwood are offered by Louisiana Farm Bureau at $336. However, it can be as expensive as $4055 with companies like AAA for a similar six-month premium.

Cheapest Car Insurance in Elmwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Louisiana Farm Bureau	$336	$57
State Farm	$1506	$253
Progressive	$1819	$306
USAA	$1973	$336
Farm Bureau	$2279	$380
Safeway	$2535	$431
Allstate	$2835	$472
AAA	$4055	$690

Car Insurance Price Trends in Elmwood, Louisiana

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

The average cost of full coverage in the Elmwood rose by $458 in January compared to $374 of December. In other words, there has been an increase by $84 when you compare January and December.

The average cost of liability insurance in the Elmwood rose to $109 in January, compared to $105 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Elmwood?

The car insurance in Elmwood is $48 per month, which is lower than the national average.

What is the cheapest car insurance in Elmwood?

The cheapest car insurance in Elmwood is $102 per month for full coverage.

How much is car insurance in Elmwood for teenagers?

Car insurance for teenagers costs $467 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 Elmwood?

The average cost of car insurance is $1690 for a six-month policy. It will cost around $349 per month to insure your car in Elmwood.

Is car insurance expensive in Elmwood?

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

What is the best car insurance in Elmwood, LA?

The best car insurance company in Elmwood LA is Louisiana Farm Bureau, offering $599 for a six-month policy.