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Elma Car Insurance
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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.
The car insurance rate in Elma is $916 for a six-month policy, which is $113 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $491, making it a popular choice for budget-conscious drivers. Rates in Elma 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 $491 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.
New York Central Mutual Fire offers auto insurance rates at $651 for a six-month policy, making it one of the cheapest to insure with.
Progressive offers auto insurance rates at $656 for six months, making it the third cheapest auto insurance company in Elma.
Based on our research, the cheapest car insurance company in Elma, NY is Kemper, offering policies at just $491 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $651.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1369 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elma drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $491 | $84 |
| New York Central Mutual Fire | $651 | $109 |
| Progressive | $656 | $110 |
| American Family | $761 | $128 |
| NYCM | $798 | $134 |
| Erie | $957 | $159 |
| Nationwide | $962 | $164 |
| USAA | $967 | $163 |
| State Farm | $1200 | $202 |
| Travelers | $1264 | $213 |
| Allstate | $1369 | $231 |
Save up to $971/yr with our auto insurance quotes
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 Elma are given below.
New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Elma. Their Average 6 Month Premium is $232. Preferred Mutual is the most expensive at $613 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| New York Central Mutual Fire | $232 | $39 |
| NYCM | $243 | $41 |
| Kemper | $286 | $47 |
| Progressive | $338 | $57 |
| American Family | $344 | $58 |
| USAA | $417 | $70 |
| Nationwide | $444 | $74 |
| Erie | $561 | $95 |
| State Farm | $651 | $109 |
| Travelers | $698 | $117 |
| Allstate | $730 | $123 |
| Utica National | $507 | $86 |
| Preferred Mutual | $613 | $102 |
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 Elma is Kemper at $84 per month and $491 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $491 | $84 |
| New York Central Mutual Fire | $651 | $109 |
| Progressive | $656 | $110 |
| American Family | $761 | $128 |
| NYCM | $798 | $134 |
| Erie | $957 | $159 |
| Nationwide | $962 | $164 |
| USAA | $967 | $163 |
| State Farm | $1200 | $202 |
| Travelers | $1264 | $213 |
| Allstate | $1369 | $231 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Elma, New York, may be increasing due to several external factors. New York has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Elma's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
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.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | National Grange Mutual | $501 |
| 30s | National Grange Mutual | $357 |
| 40s | National Grange Mutual | $344 |
| 50s | National Grange Mutual | $349 |
| 60s | National Grange Mutual | $376 |
| 70s | National Grange Mutual | $515 |
If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Elma at $55 per month. At $4145 for a six-month premium, State Farm offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $333 | $55 |
| American Family | $401 | $68 |
| NYCM | $671 | $113 |
| Progressive | $1063 | $179 |
| New York Central Mutual Fire | $1158 | $193 |
| USAA | $2125 | $358 |
| Nationwide | $2776 | $463 |
| Travelers | $3436 | $579 |
| Allstate | $3717 | $626 |
| State Farm | $4145 | $698 |
Teen Car Insurance Rates in NY by Age
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.
For those with poor credit scores in Elma, Chubb is the cheapest car insurance provider. At $714 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 Elma is Progressive, offering rates of around $4605 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Chubb | $714 | $119 |
| Kemper | $746 | $126 |
| Nationwide | $962 | $160 |
| USAA | $1332 | $227 |
| NYCM | $1390 | $231 |
| Erie | $1507 | $256 |
| American Family | $1771 | $295 |
| Allstate | $1813 | $305 |
| State Farm | $1877 | $316 |
| Mercury | $2205 | $375 |
| Travelers | $2252 | $379 |
| Progressive | $4605 | $775 |
Save up to $971/yr on car insurance rates in Elma.
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 Elma, NY, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Elma include Kemper and American Family, offering $412 and $423, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $513.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $412 | $69 |
| American Family | $423 | $71 |
| NYCM | $513 | $86 |
| Erie | $561 | $95 |
| Chubb | $619 | $103 |
| Progressive | $676 | $114 |
| New York Central Mutual Fire | $782 | $131 |
| USAA | $840 | $142 |
| Nationwide | $1264 | $211 |
| Allstate | $1274 | $214 |
| State Farm | $1539 | $259 |
| Travelers | $1565 | $263 |
| Utica National | $507 | $86 |
| Preferred Mutual | $513 | $85 |
Here is a list of driving violations that can increase your car insurance rates in Elma NY. For example, the car insurance in Elma after a DUI increases to $635 for a six month policy. While the rate increases by $101 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1115 | $186 |
| One Med/PIP claim | $1115 | $190 |
| One comp claim | $1126 | $188 |
| Two comp claims | $1137 | $193 |
| Two Med/PIP claims | $1137 | $190 |
| Not-at-fault accident | $1142 | $194 |
| Failure to show documents | $1158 | $193 |
| Failure to wear a seat belt | $1163 | $198 |
| Driving with expired registration | $1174 | $196 |
| At-fault accident - less than $1000 | $1179 | $200 |
| Cell phone violation | $1179 | $197 |
| Child safety restraint | $1179 | $200 |
| Driving without lights | $1179 | $197 |
| Failure to stop at a red light | $1179 | $200 |
| Failure to yield | $1179 | $197 |
| Following too closely | $1179 | $200 |
| Illegal turn | $1179 | $197 |
| Improper passing | $1179 | $200 |
| Passing school bus | $1179 | $197 |
| Texting while driving | $1179 | $200 |
| Wrong way/wrong lane | $1179 | $197 |
| Driving too slowly | $1190 | $202 |
| Speeding in school zone | $1190 | $198 |
| At-fault accident - $1000-$2000 | $1194 | $203 |
| Speeding 11 - 15 MPH over limit | $1216 | $203 |
| Speeding 6 - 10 MPH over limit | $1216 | $206 |
| Operating a vehicle without permission | $1237 | $206 |
| Open container | $1253 | $213 |
| In 65 MPH zone | $1306 | $218 |
| Speeding 16 - 20 MPH over limit | $1322 | $225 |
| Speeding 21 - 25 MPH over limit | $1369 | $228 |
| At-fault accident - greater than $2000 | $1475 | $251 |
| Reckless driving | $1575 | $263 |
| Racing | $1638 | $279 |
| Driving with a suspended license | $1697 | $283 |
| Refusal to submit to a chemical test | $1734 | $295 |
| DUI | $1750 | $292 |
| Leaving scene of an accident/hit and run | $1776 | $302 |
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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.
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 Elma.
The cheapest car insurance premiums in Elma are offered by American Family at $401 for a six-month policy. However, it can be as expensive as $1792 with companies like State Farm.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $401 | $68 |
| Kemper | $423 | $72 |
| Progressive | $513 | $86 |
| NYCM | $645 | $109 |
| New York Central Mutual Fire | $951 | $158 |
| USAA | $1015 | $171 |
| Allstate | $1507 | $254 |
| Travelers | $1549 | $261 |
| Nationwide | $1570 | $262 |
| State Farm | $1792 | $302 |
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 Elma are offered by American Family at $354. However, it can be as expensive as $1818 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $354 | $61 |
| Kemper | $354 | $59 |
| Progressive | $439 | $74 |
| NYCM | $587 | $98 |
| USAA | $798 | $136 |
| Nationwide | $1100 | $183 |
| State Farm | $1190 | $202 |
| Travelers | $1739 | $290 |
| Allstate | $1818 | $309 |
Car insurance rates in Elma have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Elma dipped by $220 in December compared to $221 of November. In other words, there has been an decrease by $1 when you compare December and November.
The average cost of liability insurance in the Elma dipped to $76 in December, compared to $78 in November. This represents an decrease of $2 when comparing December and November.
How much is car insurance in Elma?
The car insurance in Elma is $39 per month, which is lower than the national average.
What is the cheapest car insurance in Elma?
The cheapest car insurance in Elma is $84 per month for full coverage.
How much is car insurance in Elma for teenagers?
Car insurance for teenagers costs $333 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 Elma?
The average cost of car insurance is $1029 for a six-month policy. It will cost around $154 per month to insure your car in Elma.
Is car insurance expensive in Elma?
Car insurance can be expensive in Elma if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Elma can be affordable.
What is the best car insurance in Elma, NY?
The best car insurance company in Elma NY is Kemper, offering $491 for a six-month policy.
Cut auto insurance costs in Elma right now.