Cheapest Car Insurance Quotes in Elm Hall

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Elm Hall Car Insurance

^$ 35

/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 Elm Hall

The car insurance rate in Elm Hall is $1324 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $493, making it a popular choice for budget-conscious drivers. Rates in Elm Hall 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 Elm Hall

$1324

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Elm Hall

1st place: Travelers

At $493 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $630 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $683 for six months, making it the third cheapest auto insurance company in Elm Hall.

Elm Hall Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elm Hall, MI is Travelers, offering policies at just $493 for a six-month term. This is followed by USAA, which has an average six-month premium of $630.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $814 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elm Hall drivers find the best deals.

Cheap Car Insurance Companies in Elm Hall, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$493	$83
USAA	$630	$106
Encompass	$683	$116
Auto-Owners Insurance Co	$701	$117
Chubb	$737	$125
Farm Bureau Ins of MI	$867	$145
Auto-Owners	$909	$153
AAA	$915	$154
Pioneer State Mutual Ins Co	$944	$161
Progressive	$968	$163
Westfield	$1176	$198
Farm Bureau	$1681	$280
Pioneer State Mutual	$1830	$311
State Farm	$1954	$329
Frankenmuth	$2079	$354
Bristol West	$2346	$391
Allstate	$1800	$306
Farmers	$3647	$620
Hastings Mutual	$814	$136

Key Takeaways

Way's key takeaways about car insurance in Elm Hall

The auto insurance costs in Elm Hall fall around $493 for six months.
The cheapest auto insurance company in Elm Hall is Travelers.
Teen drivers pay the highest rate in Elm Hall at $966 per month.

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Cheapest Minimum Liability Car Insurance in Elm Hall

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 Hall are given below.

Travelers provides the cheapest minimum car insurance coverage in Elm Hall. Their Average 6 Month Premium is $208. Farmers is the most expensive at $1895 for the same period.

Cheapest Liability Coverage in Elm Hall, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$208	$35
Westfield	$220	$37
USAA	$261	$44
Encompass	$285	$48
Chubb	$303	$52
Auto-Owners Insurance Co	$327	$54
Auto-Owners	$362	$61
Progressive	$410	$69
AAA	$416	$71
Farm Bureau Ins of MI	$422	$70
Farm Bureau	$529	$90
Pioneer State Mutual	$535	$89
Frankenmuth	$630	$107
State Farm	$974	$164
Bristol West	$980	$167
Allstate	$766	$130
Farmers	$1895	$316

Cheapest Full Coverage Car Insurance in Elm Hall

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 Hall is Travelers at $83 per month and $493 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elm Hall, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$493	$83
USAA	$630	$106
Encompass	$683	$116
Auto-Owners Insurance Co	$701	$117
Chubb	$737	$125
Farm Bureau Ins of MI	$867	$145
Auto-Owners	$909	$153
AAA	$915	$154
Pioneer State Mutual Ins Co	$944	$161
Progressive	$968	$163
Westfield	$1176	$198
Farm Bureau	$1681	$280
Pioneer State Mutual	$1830	$311
State Farm	$1954	$329
Frankenmuth	$2079	$354
Bristol West	$2346	$391
Allstate	$1800	$306
Farmers	$3647	$620
Hastings Mutual	$814	$136

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Average Car Insurance in Elm Hall 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 Hall, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Elm Hall, Michigan, may be increasing due to several external factors. Michigan 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 Hall'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 Hall

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 Elm Hall,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Elm Hall at $41 per month. At $5797 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$244	$41
Westfield	$261	$44
Encompass	$285	$48
Chubb	$339	$58
Auto-Owners Insurance Co	$356	$59
Grange	$463	$79
USAA	$1004	$169
Auto-Owners	$1259	$212
AAA	$1634	$275
Progressive	$2305	$388
Farm Bureau	$2744	$457
Pioneer State Mutual	$3219	$547
Frankenmuth	$3837	$640
State Farm	$5394	$917
Allstate	$3897	$663
Farmers	$16727	$2844
Bristol West	$5797	$966

Teen Car Insurance Rates in MI 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 Elm Hall, Travelers is the cheapest car insurance provider. At $398 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 Hall is Farm Bureau Ins of MI, offering rates of around $1259 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$398	$66
Encompass	$410	$70
Progressive	$576	$96
Westfield	$606	$103
Auto-Owners Insurance Co	$642	$107
Pioneer State Mutual Ins Co	$784	$133
Grange	$992	$165
Farm Bureau Ins of MI	$1259	$214

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Save up to $971/yr on car insurance rates in Elm Hall.

Car Insurance Rates with An Accident in Elm Hall

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 Hall, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Elm Hall

The cheapest car insurance companies after an at-fault accident in Elm Hall include Chubb and Westfield, offering $303 and $321, respectively. Pioneer State is an expensive provider with an average six-month premium of $475.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$303	$52
Westfield	$321	$53
Auto-Owners Insurance Co	$374	$64
Encompass	$422	$70
Farm Bureau Ins of MI	$499	$85
Pioneer State Mutual Ins Co	$552	$92
Travelers	$588	$99
USAA	$766	$129
Progressive	$909	$153
Auto-Owners	$1057	$178
AAA	$1259	$212
Farm Bureau	$2055	$343
Pioneer State Mutual	$2192	$373
State Farm	$2477	$413
Frankenmuth	$2673	$455
Allstate	$2869	$478
Farmers	$5126	$872
Pioneer State	$475	$79

Elm Hall Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elm Hall MI. For example, the car insurance in Elm Hall after a DUI increases to $2400 for a six month policy. While the rate increases by $1307 for a six-month policy in the case of a speeding ticket.

Elm Hall auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1307	$218
Failure to wear a seat belt	$1550	$264
Cell phone violation	$1645	$274
Texting while driving	$1645	$280
Illegal turn	$1651	$275
Wrong way/wrong lane	$1651	$281
Speeding in school zone	$1675	$279
Driving with expired registration	$1687	$287
Failure to stop at a red light	$1705	$284
Improper passing	$1705	$290
Speeding 16 - 20 MPH over limit	$1895	$316
Open container	$2233	$380
Driving with a suspended license	$2501	$417
Racing	$3225	$548
Reckless driving	$3505	$584
Leaving scene of an accident/hit and run	$3594	$611
DUI	$3707	$618

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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 Hall 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 Hall.

The cheapest car insurance premiums in Elm Hall are offered by Chubb at $303 for a six-month policy. However, it can be as expensive as $9361 with companies like Allstate.

Elm Hall car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$303	$50
Auto-Owners Insurance Co	$802	$136
Grange	$808	$135
Farmers	$820	$139
Progressive	$903	$152
Pioneer State Mutual Ins Co	$974	$166
USAA	$1081	$182
Travelers	$1194	$203
Auto-Owners	$1931	$325
Westfield	$1966	$331
AAA	$2168	$365
Bristol West	$2780	$473
Pioneer State Mutual	$3499	$583
Farm Bureau	$4116	$700
State Farm	$5091	$857
Frankenmuth	$9213	$1567
Allstate	$9361	$1560

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 Elm Hall are offered by Westfield at $261. However, it can be as expensive as $11815 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Elm Hall after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$261	$44
Chubb	$303	$50
Encompass	$321	$55
Travelers	$392	$65
Auto-Owners Insurance Co	$416	$71
Farm Bureau Ins of MI	$594	$99
Grange	$630	$107
Auto-Owners	$790	$132
USAA	$808	$137
AAA	$1022	$170
Farm Bureau	$1057	$180
Pioneer State Mutual	$1164	$194
Progressive	$1188	$200
Frankenmuth	$1901	$317
State Farm	$3457	$588
Allstate	$2346	$399
Farmers	$11815	$2009

Car Insurance Price Trends in Elm Hall, Michigan

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

The average cost of full coverage in the Elm Hall dipped by $210 in January compared to $268 of December. In other words, there has been an decrease by $58 when you compare January and December.

The average cost of liability insurance in the Elm Hall dipped to $74 in January, compared to $89 in December. This represents an decrease of $15 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Elm Hall?

The car insurance in Elm Hall is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Elm Hall?

The cheapest car insurance in Elm Hall is $83 per month for full coverage.

How much is car insurance in Elm Hall for teenagers?

Car insurance for teenagers costs $244 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 Hall?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $223 per month to insure your car in Elm Hall.

Is car insurance expensive in Elm Hall?

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

Cheapest Car Insurance Quotes in Elm Hall

Why you can trust Way?

How Much Is Car Insurance in Elm Hall

Avg. Car Insurance in Elm Hall

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Elm Hall

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Elm Hall Car Insurance Rates by Company

Cheap Car Insurance Companies in Elm Hall, MI

Way's key takeaways about car insurance in Elm Hall

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elm Hall

Cheapest Liability Coverage in Elm Hall, MI

Cheapest Full Coverage Car Insurance in Elm Hall

Cheapest Full Coverage Car Insurance Quotes in Elm Hall, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elm Hall by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Elm Hall, MI increasing?

Car Insurance Premiums by Age in Elm Hall

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elm Hall,MI

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

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 Elm Hall

Cheapest Car Insurance Companies after an At-Fault Accident in Elm Hall

Elm Hall Car Insurance Rates by Violation

Elm Hall auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elm Hall after a DUI

Elm Hall car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elm Hall after Speeding ticket

Car Insurance Price Trends in Elm Hall, Michigan

Average Car Insurance Cost in Elm Hall by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elm Hall, MI

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

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