Cheapest Car Insurance Quotes in Elmore

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Elmore Car Insurance

^$ 18

/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 $581 for a six-month policy, which is $87 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $207, 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

$581

Avg. Car Insurance in Ohio

$668

National Average

$1140

Cheapest Car Insurance Companies in Elmore

1st place: American Family

At $207 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $331 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $517 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, OH is American Family, offering policies at just $207 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $331.

At the higher end of the spectrum, Westfield is the most expensive, with rates reaching $661 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, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$207	$35
Auto-Owners Insurance Co	$331	$55
Travelers	$517	$88
Erie	$522	$88
State Farm	$527	$90
USAA	$527	$89
Hastings Mutual	$538	$91
Nationwide	$543	$91
Central Mutual	$626	$106
Progressive	$631	$106
Farmers	$765	$130
Grange	$817	$136
Allstate	$935	$157
Westfield	$661	$112

Key Takeaways

Way's key takeaways about car insurance in Elmore

The auto insurance costs in Elmore fall around $207 for six months.
The cheapest auto insurance company in Elmore is American Family.
Teen drivers pay the highest rate in Elmore at $615 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.

American Family provides the cheapest minimum car insurance coverage in Elmore. Their Average 6 Month Premium is $109. Allstate is the most expensive at $392 for the same period.

Cheapest Liability Coverage in Elmore, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$109	$18
Central Mutual	$119	$20
Auto-Owners Insurance Co	$130	$22
Westfield	$134	$23
USAA	$139	$23
Erie	$155	$26
State Farm	$171	$29
Progressive	$186	$31
Nationwide	$207	$35
Travelers	$217	$37
Auto-Owners	$227	$38
Farmers	$290	$50
Grange	$315	$52
Allstate	$392	$66

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 American Family at $35 per month and $207 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elmore, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$207	$35
Auto-Owners Insurance Co	$331	$55
Travelers	$517	$88
Erie	$522	$88
State Farm	$527	$90
USAA	$527	$89
Hastings Mutual	$538	$91
Nationwide	$543	$91
Central Mutual	$626	$106
Progressive	$631	$106
Farmers	$765	$130
Grange	$817	$136
Allstate	$935	$157
Westfield	$661	$112

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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, OH increasing?

Despite maintaining a clean driving record, your car insurance rates in Elmore, Ohio, may be increasing due to several external factors. Ohio 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	USAA	$469
30s	USAA	$331
40s	USAA	$301
50s	USAA	$278
60s	USAA	$292
70s	USAA	$354

Cheapest Car Insurance Rates for Teen Drivers in Elmore,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Elmore at $19 per month. At $3617 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$114	$19
Westfield	$139	$23
USAA	$719	$121
Erie	$765	$129
Travelers	$935	$157
Nationwide	$1457	$245
Progressive	$1462	$246
Allstate	$1990	$335
State Farm	$2145	$365
Grange	$2367	$394
Farmers	$3617	$615

Teen Car Insurance Rates in OH by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Elmore.

As young drivers face the highest rates in Elmore, USAA offers the cheapest auto insurance rates at $469 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, American Family is the cheapest car insurance provider. At $176 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 Allstate, offering rates of around $1494 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$176	$30
Westfield	$222	$37
Nationwide	$589	$99
Erie	$610	$103
Progressive	$610	$103
USAA	$661	$110
Grange	$677	$114
Allstate	$1494	$249

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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, OH, 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 Central Mutual and American Family, offering $119 and $134, respectively. Frankenmuth is an expensive provider with an average six-month premium of $212.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$119	$20
American Family	$134	$23
Auto-Owners Insurance Co	$207	$35
Westfield	$207	$35
Erie	$284	$48
Nationwide	$594	$100
Travelers	$796	$134
Grange	$997	$170
USAA	$1049	$177
Auto-Owners	$1183	$199
Progressive	$1675	$282
Allstate	$1974	$332
State Farm	$3969	$661
Frankenmuth	$212	$36

Elmore Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elmore OH. For example, the car insurance in Elmore after a DUI increases to $605 for a six month policy. While the rate increases by $134 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	$636	$106
One Med/PIP claim	$651	$110
Not-at-fault accident	$661	$110
One comp claim	$677	$115
Two Med/PIP claims	$677	$113
Two comp claims	$708	$120
Failure to show documents	$713	$119
Driving without lights	$729	$124
Failure to wear a seat belt	$729	$122
Child safety restraint	$744	$126
Driving with expired registration	$744	$124
Driving too slowly	$770	$131
Speeding 11 - 15 MPH over limit	$770	$129
Speeding 6 - 10 MPH over limit	$770	$131
Speeding in school zone	$770	$129
Cell phone violation	$775	$132
Failure to yield	$775	$130
Following too closely	$775	$132
Illegal turn	$775	$130
Texting while driving	$775	$132
Wrong way/wrong lane	$775	$130
Failure to stop at a red light	$780	$133
Improper passing	$786	$131
Speeding 16 - 20 MPH over limit	$786	$134
At-fault accident - less than $1000	$812	$135
Passing school bus	$817	$139
Speeding 21 - 25 MPH over limit	$837	$139
In 65 MPH zone	$847	$144
At-fault accident - $1000-$2000	$935	$156
At-fault accident - greater than $2000	$940	$160
Open container	$940	$157
Operating a vehicle without permission	$946	$161
Reckless driving	$1199	$200
Racing	$1220	$207
Refusal to submit to a chemical test	$1220	$204
Driving with a suspended license	$1230	$209
DUI	$1241	$207
Leaving scene of an accident/hit and run	$1276	$217

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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 American Family at $134 for a six-month policy. However, it can be as expensive as $1308 with companies like Grange.

Elmore car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$134	$23
Erie	$403	$68
Travelers	$429	$72
Progressive	$501	$84
USAA	$522	$88
Nationwide	$760	$128
State Farm	$832	$142
Farmers	$1034	$172
Allstate	$1266	$213
Grange	$1308	$218

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 American Family at $134. However, it can be as expensive as $1173 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Elmore after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$134	$23
Auto-Owners Insurance Co	$134	$23
Westfield	$144	$24
Erie	$300	$50
USAA	$475	$79
Nationwide	$496	$84
Progressive	$522	$88
Allstate	$1137	$193
Grange	$1173	$196

Car Insurance Price Trends in Elmore, Ohio

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 $104 in December compared to $101 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Elmore rose to $31 in December, compared to $30 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Elmore?

The car insurance in Elmore is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Elmore?

The cheapest car insurance in Elmore is $35 per month for full coverage.

How much is car insurance in Elmore for teenagers?

Car insurance for teenagers costs $114 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 $668 for a six-month policy. It will cost around $97 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 Ohio

National Average

Cheapest Car Insurance Companies in Elmore

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Elmore Car Insurance Rates by Company

Cheap Car Insurance Companies in Elmore, OH

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, OH

Cheapest Full Coverage Car Insurance in Elmore

Cheapest Full Coverage Car Insurance Quotes in Elmore, OH

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, OH 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,OH

If you are in your twenties USAA 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, Ohio

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, OH

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

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