Cheapest Car Insurance Quotes in Elm Hall

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Elm Hall Car Insurance

^$ 34

/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 $1167 for a six-month policy, which is $36 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $478, 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

$1167

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Elm Hall

1st place: Travelers

At $478 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $599 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $663 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 $478 for a six-month term. This is followed by USAA, which has an average six-month premium of $599.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $790 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	$478	$81
USAA	$599	$101
Encompass	$663	$111
Auto-Owners Insurance Co	$680	$115
Chubb	$715	$119
Auto-Owners	$801	$135
AAA	$818	$138
Farm Bureau Ins of MI	$841	$143
Pioneer State Mutual Ins Co	$916	$152
Progressive	$916	$154
Westfield	$1141	$192
Farm Bureau	$1285	$218
State Farm	$1636	$275
Allstate	$1746	$297
Bristol West	$2276	$379
Farmers	$3538	$601
Hastings Mutual	$790	$132

Key Takeaways

Way's key takeaways about car insurance in Elm Hall

The auto insurance costs in Elm Hall fall around $478 for six months.
The cheapest auto insurance company in Elm Hall is Travelers.
Teen drivers pay the highest rate in Elm Hall at $937 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 $202. Hastings Mutual is the most expensive at $345 for the same period.

Cheapest Liability Coverage in Elm Hall, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$202	$34
Westfield	$213	$36
USAA	$271	$46
Encompass	$276	$47
Chubb	$294	$49
Auto-Owners Insurance Co	$317	$54
Auto-Owners	$374	$63
Farm Bureau Ins of MI	$409	$70
Progressive	$421	$71
AAA	$501	$85
Farm Bureau	$633	$106
Allstate	$743	$126
Bristol West	$951	$158
State Farm	$1019	$172
Farmers	$1838	$307
Hastings Mutual	$345	$57

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 $81 per month and $478 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elm Hall, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$478	$81
USAA	$599	$101
Encompass	$663	$111
Auto-Owners Insurance Co	$680	$115
Chubb	$715	$119
Auto-Owners	$801	$135
AAA	$818	$138
Farm Bureau Ins of MI	$841	$143
Pioneer State Mutual Ins Co	$916	$152
Progressive	$916	$154
Westfield	$1141	$192
Farm Bureau	$1285	$218
State Farm	$1636	$275
Allstate	$1746	$297
Bristol West	$2276	$379
Farmers	$3538	$601
Hastings Mutual	$790	$132

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$271
30s	USAA	$206
40s	USAA	$197
50s	USAA	$189
60s	Chubb	$173
70s	Chubb	$189

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 $40 per month. At $5623 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$237	$40
Westfield	$253	$43
Encompass	$276	$47
Chubb	$329	$56
Auto-Owners Insurance Co	$345	$57
Grange	$449	$77
USAA	$911	$153
Auto-Owners	$1089	$183
AAA	$1452	$244
Farm Bureau	$2091	$356
Progressive	$2242	$377
Allstate	$3780	$643
State Farm	$3878	$646
Farmers	$16225	$2759
Bristol West	$5623	$937

Teen Car Insurance Rates in MI by Age

Way Tip

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

As young drivers face the highest rates in Elm Hall, Chubb offers the cheapest auto insurance rates at $271 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 Hall, Travelers is the cheapest car insurance provider. At $386 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 $1221 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$386	$66
Encompass	$398	$66
Progressive	$559	$95
Westfield	$588	$98
Auto-Owners Insurance Co	$623	$106
Pioneer State Mutual Ins Co	$760	$127
Grange	$962	$164
Farm Bureau Ins of MI	$1221	$204

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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 $294 and $311, respectively. Pioneer State is an expensive provider with an average six-month premium of $461.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$294	$50
Westfield	$311	$51
Auto-Owners Insurance Co	$363	$62
Encompass	$409	$68
Farm Bureau Ins of MI	$484	$82
Pioneer State Mutual Ins Co	$535	$89
Travelers	$570	$96
USAA	$715	$120
Progressive	$790	$133
Auto-Owners	$882	$148
AAA	$1129	$190
Farm Bureau	$1573	$262
State Farm	$1792	$305
Allstate	$2783	$464
Farmers	$4972	$846
Pioneer State	$461	$77

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 $2328 for a six month policy. While the rate increases by $1268 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	$1268	$211
Failure to wear a seat belt	$1504	$256
Cell phone violation	$1596	$266
Texting while driving	$1596	$272
Illegal turn	$1601	$267
Wrong way/wrong lane	$1601	$273
Speeding in school zone	$1625	$271
Driving with expired registration	$1636	$278
Failure to stop at a red light	$1654	$275
Improper passing	$1654	$281
Speeding 16 - 20 MPH over limit	$1838	$307
Open container	$2166	$369
Driving with a suspended license	$2426	$404
Racing	$3128	$532
Reckless driving	$3400	$566
Leaving scene of an accident/hit and run	$3486	$593
DUI	$3596	$599

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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 $294 for a six-month policy. However, it can be as expensive as $9080 with companies like Allstate.

Elm Hall car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$294	$49
Auto-Owners Insurance Co	$778	$132
Grange	$784	$131
Progressive	$835	$141
Pioneer State Mutual Ins Co	$945	$157
USAA	$1019	$172
Travelers	$1158	$193
Auto-Owners	$1752	$295
Westfield	$1907	$321
AAA	$1970	$332
Bristol West	$2697	$449
Farmers	$2765	$466
Farm Bureau	$3273	$545
State Farm	$4120	$694
Allstate	$9080	$1513

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 $253. However, it can be as expensive as $11461 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	$253	$43
Chubb	$294	$49
Encompass	$311	$53
Travelers	$380	$63
Auto-Owners Insurance Co	$404	$69
Farm Bureau Ins of MI	$576	$96
USAA	$599	$102
Grange	$611	$102
Auto-Owners	$841	$143
Progressive	$1233	$208
AAA	$1250	$212
Farm Bureau	$1256	$210
Allstate	$2276	$387
State Farm	$3820	$636
Farmers	$11461	$1949

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 $260 in December compared to $267 of November. In other words, there has been an decrease by $7 when you compare December and November.

The average cost of liability insurance in the Elm Hall rose to $86 in December, compared to $80 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Elm Hall?

The car insurance in Elm Hall is $34 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 $81 per month for full coverage.

How much is car insurance in Elm Hall for teenagers?

Car insurance for teenagers costs $237 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 $1203 for a six-month policy. It will cost around $196 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 Chubb 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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