Cheapest Car Insurance Quotes in Elmore

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Elmore Car Insurance

^$ 21

/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 Elmore

The car insurance rate in Elmore is $691 for a six-month policy, which is $112 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $368, making it a popular choice for budget-conscious drivers. Rates in Elmore 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 Elmore

$691

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Elmore

1st place: AAA

At $368 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: Iowa Farm Bureau

Iowa Farm Bureau offers auto insurance rates at $445 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $450 for six months, making it the third cheapest auto insurance company in Elmore.

Elmore Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elmore, MN is AAA, offering policies at just $368 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $445.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1333 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elmore drivers find the best deals.

Cheap Car Insurance Companies in Elmore, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$368	$63
Iowa Farm Bureau	$445	$74
Auto-Owners Insurance Co	$450	$77
Westfield	$450	$75
American Family	$547	$92
Travelers	$582	$98
West Bend Mutual	$582	$98
Nationwide	$690	$115
USAA	$700	$118
Auto-Owners	$756	$127
State Farm	$853	$144
West Bend	$858	$143
Allstate	$1058	$178
Farmers	$1333	$222

Key Takeaways

Way's key takeaways about car insurance in Elmore

The auto insurance costs in Elmore fall around $368 for six months.
The cheapest auto insurance company in Elmore is Westfield.
Teen drivers pay the highest rate in Elmore at $805 per month.

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Cheapest Minimum Liability Car Insurance in Elmore

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 Elmore are given below.

Westfield provides the cheapest minimum car insurance coverage in Elmore. Their Average 6 Month Premium is $123. Nationwide is the most expensive at $266 for the same period.

Cheapest Liability Coverage in Elmore, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$123	$21
West Bend Mutual	$174	$29
AAA	$179	$30
North Star Mutual	$189	$32
North Star Mutual Insurance	$189	$32
USAA	$189	$32
Auto-Owners	$214	$36
Auto-Owners Insurance Co	$214	$36
Iowa Farm Bureau	$214	$36
West Bend	$214	$36
Farmers Union Insurance	$219	$37
Travelers	$235	$40
American Family	$245	$41
State Farm	$245	$41
Western National	$261	$45
Allstate	$424	$71
Farmers	$598	$101
Nationwide	$266	$44

Cheapest Full Coverage Car Insurance in Elmore

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 Elmore is AAA at $63 per month and $368 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elmore, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$368	$63
Iowa Farm Bureau	$445	$74
Auto-Owners Insurance Co	$450	$77
Westfield	$450	$75
American Family	$547	$92
Travelers	$582	$98
West Bend Mutual	$582	$98
Nationwide	$690	$115
USAA	$700	$118
Auto-Owners	$756	$127
State Farm	$853	$144
West Bend	$858	$143
Allstate	$1058	$178
Farmers	$1333	$222

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Average Car Insurance in Elmore 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 Elmore, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Elmore, Minnesota, may be increasing due to several external factors. Minnesota has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Elmore's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Elmore

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	Farm Bureau Mutual	$572
30s	Farm Bureau Mutual	$409
40s	Farm Bureau Mutual	$404
50s	Farm Bureau Mutual	$340
60s	Farm Bureau Mutual	$348
70s	Farm Bureau Mutual	$409

Cheapest Car Insurance Rates for Teen Drivers in Elmore,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Elmore at $25 per month. At $4827 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$148	$25
North Star Mutual Insurance	$205	$34
Auto-Owners Insurance Co	$219	$37
AAA	$224	$38
Iowa Farm Bureau	$224	$38
Farmers Union Insurance	$235	$40
Umialik	$292	$50
Travelers	$746	$126
Auto-Owners	$1072	$181
USAA	$1140	$192
American Family	$1379	$232
State Farm	$1656	$279
Allstate	$2774	$467
Farmers	$4827	$805

Teen Car Insurance Rates in MN by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Elmore.

As young drivers face the highest rates in Elmore, Farm Bureau Mutual offers the cheapest auto insurance rates at $572 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 Elmore, West Bend Mutual is the cheapest car insurance provider. At $219 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 Elmore is State Farm, offering rates of around $4424 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$219	$37
Westfield	$271	$45
Farmers Union Insurance	$301	$52
Iowa Farm Bureau	$424	$71
AAA	$480	$82
American Family	$919	$155
USAA	$1277	$218
Travelers	$1527	$255
Auto-Owners	$2069	$352
Farmers	$2528	$421
Allstate	$2860	$487
State Farm	$4424	$737

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

Car Insurance Rates with An Accident in Elmore

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 Elmore, MN, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Elmore include Westfield and Umialik, offering $179 and $224, respectively. Nationwide is an expensive provider with an average six-month premium of $353.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$179	$30
Umialik	$224	$38
Western National	$245	$41
Iowa Farm Bureau	$276	$47
Auto-Owners Insurance Co	$292	$48
Farmers Union Insurance	$297	$51
AAA	$301	$50
West Bend Mutual	$301	$52
North Star Mutual	$316	$52
North Star Mutual Insurance	$347	$59
Encompass	$378	$63
Auto-Owners	$547	$92
State Farm	$577	$97
Travelers	$608	$102
USAA	$700	$118
American Family	$848	$143
Allstate	$1849	$311
Farmers	$1987	$338
Nationwide	$353	$58

Elmore Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elmore MN. For example, the car insurance in Elmore after a DUI increases to $940 for a six month policy. While the rate increases by $193 for a six-month policy in the case of a speeding ticket.

Elmore auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$879	$146
One Med/PIP claim	$889	$151
Not-at-fault accident	$904	$151
One comp claim	$935	$159
Two Med/PIP claims	$935	$156
Two comp claims	$976	$166
Failure to wear a seat belt	$1001	$167
Failure to show documents	$1017	$173
Child safety restraint	$1032	$172
Driving without lights	$1032	$175
Driving with expired registration	$1053	$175
Cell phone violation	$1072	$182
Speeding 6 - 10 MPH over limit	$1072	$179
Texting while driving	$1072	$182
Following too closely	$1083	$181
Driving too slowly	$1088	$185
Failure to yield	$1088	$181
Illegal turn	$1088	$185
Speeding in school zone	$1088	$181
Wrong way/wrong lane	$1088	$185
Failure to stop at a red light	$1093	$182
Improper passing	$1093	$186
Speeding 11 - 15 MPH over limit	$1098	$183
Speeding 16 - 20 MPH over limit	$1109	$188
At-fault accident - less than $1000	$1134	$189
Passing school bus	$1134	$193
In 65 MPH zone	$1140	$190
Operating a vehicle without permission	$1145	$194
Speeding 21 - 25 MPH over limit	$1180	$197
At-fault accident - $1000-$2000	$1262	$214
Open container	$1267	$212
At-fault accident - greater than $2000	$1293	$220
Reckless driving	$1583	$264
Racing	$1635	$278
Driving with a suspended license	$1737	$290
Refusal to submit to a chemical test	$1757	$298
DUI	$1819	$303
Leaving scene of an accident/hit and run	$1885	$321

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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 Elmore 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 Elmore.

The cheapest car insurance premiums in Elmore are offered by Umialik at $224 for a six-month policy. However, it can be as expensive as $2012 with companies like Farmers.

Elmore car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$224	$38
West Bend Mutual	$235	$40
Western National	$235	$40
Farmers Union Insurance	$281	$48
Westfield	$316	$52
Iowa Farm Bureau	$414	$71
Country Financial	$439	$73
Auto-Owners Insurance Co	$470	$80
Travelers	$639	$108
State Farm	$679	$114
American Family	$766	$129
Auto-Owners	$909	$153
USAA	$925	$156
Allstate	$1906	$321
Farmers	$2012	$335

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 Elmore are offered by Westfield at $148. However, it can be as expensive as $1920 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Elmore after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$148	$25
Iowa Farm Bureau	$235	$40
West Bend Mutual	$235	$40
Western National	$235	$40
Auto-Owners Insurance Co	$245	$41
Farmers Union Insurance	$266	$46
State Farm	$480	$81
American Family	$552	$93
USAA	$654	$109
Auto-Owners	$664	$113
Travelers	$685	$114
Farmers	$1670	$284
Allstate	$1920	$320

Car Insurance Price Trends in Elmore, Minnesota

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

The average cost of full coverage in the Elmore rose by $152 in December compared to $151 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Elmore remained steady at $42 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Elmore?

The car insurance in Elmore is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Elmore?

The cheapest car insurance in Elmore is $63 per month for full coverage.

How much is car insurance in Elmore for teenagers?

Car insurance for teenagers costs $148 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 Elmore?

The average cost of car insurance is $803 for a six-month policy. It will cost around $115 per month to insure your car in Elmore.

Is car insurance expensive in Elmore?

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

Cheapest Car Insurance Quotes in Elmore

Why you can trust Way?

How Much Is Car Insurance in Elmore

Avg. Car Insurance in Elmore

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Elmore

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Elmore Car Insurance Rates by Company

Cheap Car Insurance Companies in Elmore, MN

Way's key takeaways about car insurance in Elmore

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elmore

Cheapest Liability Coverage in Elmore, MN

Cheapest Full Coverage Car Insurance in Elmore

Cheapest Full Coverage Car Insurance Quotes in Elmore, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elmore by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Elmore, MN increasing?

Car Insurance Premiums by Age in Elmore

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elmore,MN

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Elmore.

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 Elmore

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

Elmore Car Insurance Rates by Violation

Elmore auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elmore after a DUI

Elmore car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elmore after Speeding ticket

Car Insurance Price Trends in Elmore, Minnesota

Average Car Insurance Cost in Elmore by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elmore, MN

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

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