Cheapest Car Insurance Quotes in Elma Center

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Elma Center Car Insurance

^$ 38

/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 Elma Center

The car insurance rate in Elma Center is $1007 for a six-month policy, which is $151 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $480, making it a popular choice for budget-conscious drivers. Rates in Elma Center 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 Elma Center

$1007

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Elma Center

1st place: Kemper

At $480 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $636 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $677 for six months, making it the third cheapest auto insurance company in Elma Center.

Elma Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elma Center, NY is Kemper, offering policies at just $480 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $636.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $1545 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elma Center drivers find the best deals.

Cheap Car Insurance Companies in Elma Center, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$480	$82
New York Central Mutual Fire	$636	$106
Progressive	$677	$114
American Family	$744	$125
NYCM	$900	$151
USAA	$997	$168
Erie	$1018	$171
Nationwide	$1111	$185
Travelers	$1132	$191
State Farm	$1349	$227
Allstate	$1509	$254
Chubb	$1545	$258

Key Takeaways

Way's key takeaways about car insurance in Elma Center

The auto insurance costs in Elma Center fall around $480 for six months.
The cheapest auto insurance company in Elma Center is New York Central Mutual Fire.
Teen drivers pay the highest rate in Elma Center at $777 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Elma Center

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 Center are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Elma Center. Their Average 6 Month Premium is $227. Preferred Mutual is the most expensive at $599 for the same period.

Cheapest Liability Coverage in Elma Center, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$227	$38
NYCM	$269	$44
Kemper	$279	$48
American Family	$336	$57
Progressive	$346	$58
USAA	$445	$75
Erie	$548	$93
Travelers	$589	$98
Allstate	$631	$107
State Farm	$672	$112
Nationwide	$434	$72
Utica National	$496	$84
Preferred Mutual	$599	$100

Cheapest Full Coverage Car Insurance in Elma Center

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 Center is Kemper at $82 per month and $480 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elma Center, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$480	$82
New York Central Mutual Fire	$636	$106
Progressive	$677	$114
American Family	$744	$125
NYCM	$900	$151
USAA	$997	$168
Erie	$1018	$171
Nationwide	$1111	$185
Travelers	$1132	$191
State Farm	$1349	$227
Allstate	$1509	$254
Chubb	$1545	$258

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Average Car Insurance in Elma Center 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 Elma Center, NY increasing?

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

Car Insurance Premiums by Age in Elma Center

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 Elma Center,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Elma Center at $56 per month. At $4614 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$325	$56
American Family	$392	$66
NYCM	$868	$146
Progressive	$1070	$180
New York Central Mutual Fire	$1132	$192
Erie	$2176	$363
USAA	$2393	$403
Travelers	$3147	$530
Nationwide	$3276	$557
Chubb	$3431	$572
Allstate	$3948	$665
State Farm	$4614	$777

Teen Car Insurance Rates in NY 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 Elma Center, Kemper is the cheapest car insurance provider. At $729 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 Center is Progressive, offering rates of around $4367 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$729	$122
Nationwide	$1111	$189
Chubb	$1318	$222
USAA	$1602	$272
Erie	$1705	$287
American Family	$1731	$294
NYCM	$1938	$323
Allstate	$2113	$356
Mercury	$2155	$359
State Farm	$2227	$375
Travelers	$2579	$434
Progressive	$4367	$735

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

Car Insurance Rates with An Accident in Elma Center

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 Center, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Elma Center

The cheapest car insurance companies after an at-fault accident in Elma Center include Kemper and American Family, offering $403 and $413, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $501.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$403	$67
American Family	$413	$70
Progressive	$636	$107
NYCM	$646	$109
New York Central Mutual Fire	$765	$128
USAA	$868	$146
Erie	$1111	$187
Chubb	$1261	$212
Allstate	$1359	$229
Travelers	$1401	$236
Nationwide	$1468	$244
State Farm	$1716	$289
Utica National	$496	$84
Preferred Mutual	$501	$84

Elma Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elma Center NY. For example, the car insurance in Elma Center after a DUI increases to $620 for a six month policy. While the rate increases by $98 for a six-month policy in the case of a speeding ticket.

Elma Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1090	$182
One Med/PIP claim	$1090	$185
One comp claim	$1101	$184
Two comp claims	$1111	$189
Two Med/PIP claims	$1111	$185
Not-at-fault accident	$1116	$190
Failure to show documents	$1132	$189
Failure to wear a seat belt	$1137	$193
Driving with expired registration	$1148	$191
At-fault accident - less than $1000	$1153	$196
Cell phone violation	$1153	$192
Child safety restraint	$1153	$196
Driving without lights	$1153	$192
Failure to stop at a red light	$1153	$196
Failure to yield	$1153	$192
Following too closely	$1153	$196
Illegal turn	$1153	$192
Improper passing	$1153	$196
Passing school bus	$1153	$192
Texting while driving	$1153	$196
Wrong way/wrong lane	$1153	$192
Driving too slowly	$1163	$197
Speeding in school zone	$1163	$194
At-fault accident - $1000-$2000	$1168	$198
Speeding 11 - 15 MPH over limit	$1188	$198
Speeding 6 - 10 MPH over limit	$1188	$202
Operating a vehicle without permission	$1209	$202
Open container	$1225	$208
In 65 MPH zone	$1276	$213
Speeding 16 - 20 MPH over limit	$1292	$220
Speeding 21 - 25 MPH over limit	$1338	$223
At-fault accident - greater than $2000	$1442	$245
Reckless driving	$1540	$257
Racing	$1602	$272
Driving with a suspended license	$1659	$277
Refusal to submit to a chemical test	$1695	$288
DUI	$1710	$285
Leaving scene of an accident/hit and run	$1737	$295

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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 Elma Center 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 Elma Center.

The cheapest car insurance premiums in Elma Center are offered by American Family at $392 for a six-month policy. However, it can be as expensive as $1938 with companies like Chubb.

Elma Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$392	$66
Kemper	$413	$70
Progressive	$532	$90
NYCM	$806	$136
New York Central Mutual Fire	$930	$155
USAA	$1060	$178
Travelers	$1385	$233
Allstate	$1638	$276
Erie	$1690	$282
Nationwide	$1835	$312
State Farm	$1928	$325
Chubb	$1938	$330

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 Elma Center are offered by American Family at $346. However, it can be as expensive as $2206 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Elma Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$346	$57
Kemper	$346	$59
Progressive	$501	$84
NYCM	$812	$138
USAA	$940	$157
Erie	$1101	$187
Nationwide	$1111	$185
Travelers	$1282	$218
State Farm	$1550	$258
Chubb	$1835	$312
Allstate	$2206	$368

Car Insurance Price Trends in Elma Center, New York

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

The average cost of full coverage in the Elma Center rose by $239 in January compared to $215 of December. In other words, there has been an increase by $24 when you compare January and December.

The average cost of liability insurance in the Elma Center dipped to $70 in January, compared to $74 in December. This represents an decrease of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Elma Center?

The car insurance in Elma Center is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Elma Center?

The cheapest car insurance in Elma Center is $82 per month for full coverage.

How much is car insurance in Elma Center for teenagers?

Car insurance for teenagers costs $325 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 Center?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $169 per month to insure your car in Elma Center.

Is car insurance expensive in Elma Center?

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

Cheapest Car Insurance Quotes in Elma Center

Why you can trust Way?

How Much Is Car Insurance in Elma Center

Avg. Car Insurance in Elma Center

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Elma Center

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Elma Center Car Insurance Rates by Company

Cheap Car Insurance Companies in Elma Center, NY

Way's key takeaways about car insurance in Elma Center

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elma Center

Cheapest Liability Coverage in Elma Center, NY

Cheapest Full Coverage Car Insurance in Elma Center

Cheapest Full Coverage Car Insurance Quotes in Elma Center, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elma Center by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Elma Center, NY increasing?

Car Insurance Premiums by Age in Elma Center

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elma Center,NY

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

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 Elma Center

Cheapest Car Insurance Companies after an At-Fault Accident in Elma Center

Elma Center Car Insurance Rates by Violation

Elma Center auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elma Center after a DUI

Elma Center car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elma Center after Speeding ticket

Car Insurance Price Trends in Elma Center, New York

Average Car Insurance Cost in Elma Center by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elma Center, NY

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

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