Cheapest Car Insurance Quotes in Elkins Park

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Elkins Park Car Insurance

^$ 36

/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 Elkins Park

The car insurance rate in Elkins Park is $1220 for a six-month policy, which is $407 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $552, making it a popular choice for budget-conscious drivers. Rates in Elkins Park 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 Elkins Park

$1220

Avg. Car Insurance in Pennsylvania

$813

National Average

$1278

Cheapest Car Insurance Companies in Elkins Park

1st place: AutoOwners Insurance Co

At $552 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $767 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $918 for six months, making it the third cheapest auto insurance company in Elkins Park.

Elkins Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elkins Park, PA is AutoOwners Insurance Co, offering policies at just $552 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $767.

At the higher end of the spectrum, Encompass is the most expensive, with rates reaching $1461 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elkins Park drivers find the best deals.

Cheap Car Insurance Companies in Elkins Park, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$552	$92
American National P&C	$767	$131
Westfield	$918	$153
Travelers	$989	$167
Erie	$1203	$203
Nationwide	$1400	$236
State Farm	$1425	$240
Allstate	$1586	$267
USAA	$1685	$284
Progressive	$2094	$353
Auto-Owners	$570	$98
Encompass	$1461	$243

Key Takeaways

Way's key takeaways about car insurance in Elkins Park

The auto insurance costs in Elkins Park fall around $552 for six months.
The cheapest auto insurance company in Elkins Park is Westfield.
Teen drivers pay the highest rate in Elkins Park at $1091 per month.

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Cheapest Minimum Liability Car Insurance in Elkins Park

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 Elkins Park are given below.

Westfield provides the cheapest minimum car insurance coverage in Elkins Park. Their Average 6 Month Premium is $215. AutoOwners is the most expensive at $116 for the same period.

Cheapest Liability Coverage in Elkins Park, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$215	$36
Auto-Owners Insurance Co	$224	$38
Erie	$285	$48
American National P&C	$294	$50
Chubb	$312	$53
Travelers	$330	$56
USAA	$392	$66
State Farm	$410	$69
Nationwide	$525	$89
Progressive	$597	$101
Allstate	$803	$135
Auto-Owners	$116	$20

Cheapest Full Coverage Car Insurance in Elkins Park

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 Elkins Park is AutoOwners Insurance Co at $92 per month and $552 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elkins Park, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$552	$92
American National P&C	$767	$131
Westfield	$918	$153
Travelers	$989	$167
Erie	$1203	$203
Nationwide	$1400	$236
State Farm	$1425	$240
Allstate	$1586	$267
USAA	$1685	$284
Progressive	$2094	$353
Auto-Owners	$570	$98
Encompass	$1461	$243

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Average Car Insurance in Elkins Park 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 Elkins Park, PA increasing?

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

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

Car Insurance Premiums by Age in Elkins Park

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 Elkins Park,PA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Elkins Park at $38 per month. At $6540 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$224	$38
Auto-Owners Insurance Co	$258	$44
American National P&C	$339	$57
Chubb	$374	$63
Erie	$1533	$258
Travelers	$1764	$297
State Farm	$2540	$428
USAA	$2967	$504
Allstate	$3867	$645
Progressive	$3876	$659
Nationwide	$6540	$1091

Teen Car Insurance Rates in PA 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 Elkins Park, Westfield is the cheapest car insurance provider. At $348 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 Elkins Park is State Farm, offering rates of around $7110 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$348	$59
Auto-Owners Insurance Co	$357	$60
Chubb	$419	$71
American National P&C	$473	$81
USAA	$1524	$254
Nationwide	$1586	$267
Erie	$2780	$464
Allstate	$3350	$570
Travelers	$3653	$609
Progressive	$4082	$695
State Farm	$7110	$1185

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Car Insurance Rates with An Accident in Elkins Park

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 Elkins Park, PA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Elkins Park

The cheapest car insurance companies after an at-fault accident in Elkins Park include Westfield and AutoOwners Insurance Co, offering $312 and $357, respectively. Donegal is an expensive provider with an average six-month premium of $348.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$312	$53
Auto-Owners Insurance Co	$357	$60
Chubb	$419	$71
American National P&C	$428	$72
Erie	$713	$120
State Farm	$828	$140
Travelers	$989	$167
USAA	$1283	$216
Nationwide	$1970	$335
Allstate	$2031	$339
Progressive	$2406	$410
Auto-Owners	$116	$20
Donegal	$348	$59

Elkins Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elkins Park PA. For example, the car insurance in Elkins Park after a DUI increases to $1497 for a six month policy. While the rate increases by $1649 for a six-month policy in the case of a speeding ticket.

Elkins Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1649	$275
Cell phone violation	$1925	$327
Failure to wear a seat belt	$1925	$321
Failure to stop at a red light	$1943	$330
Illegal turn	$1943	$324
Improper passing	$1943	$330
Speeding in school zone	$1943	$324
Texting while driving	$1943	$330
Driving with expired registration	$1952	$326
Speeding 16 - 20 MPH over limit	$1952	$332
Wrong way/wrong lane	$1970	$329
Open container	$2085	$354
Reckless driving	$3039	$507
Racing	$3092	$525
DUI	$3146	$524
Driving with a suspended license	$3164	$539
Leaving scene of an accident/hit and run	$3191	$531

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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 Elkins Park 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 Elkins Park.

The cheapest car insurance premiums in Elkins Park are offered by American National P&C at $482 for a six-month policy. However, it can be as expensive as $4143 with companies like Nationwide.

Elkins Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$482	$80
Travelers	$1034	$174
Erie	$1292	$218
Allstate	$1434	$242
Progressive	$1568	$264
State Farm	$1827	$308
USAA	$1836	$309
Nationwide	$4143	$698

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 Elkins Park are offered by Westfield at $188. However, it can be as expensive as $2888 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Elkins Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$188	$32
Auto-Owners Insurance Co	$240	$41
Erie	$828	$140
State Farm	$1061	$179
Travelers	$1149	$194
USAA	$1703	$284
Allstate	$2031	$345
Progressive	$2442	$407
Nationwide	$2888	$491

Car Insurance Price Trends in Elkins Park, Pennsylvania

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

The average cost of full coverage in the Elkins Park rose by $275 in January compared to $254 of December. In other words, there has been an increase by $21 when you compare January and December.

The average cost of liability insurance in the Elkins Park rose to $68 in January, compared to $57 in December. This represents an increase of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Elkins Park?

The car insurance in Elkins Park is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Elkins Park?

The cheapest car insurance in Elkins Park is $92 per month for full coverage.

How much is car insurance in Elkins Park for teenagers?

Car insurance for teenagers costs $224 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 Elkins Park?

The average cost of car insurance is $813 for a six-month policy. It will cost around $204 per month to insure your car in Elkins Park.

Is car insurance expensive in Elkins Park?

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

Cheapest Car Insurance Quotes in Elkins Park

Why you can trust Way?

How Much Is Car Insurance in Elkins Park

Avg. Car Insurance in Elkins Park

Avg. Car Insurance in Pennsylvania

National Average

Cheapest Car Insurance Companies in Elkins Park

1st place: AutoOwners Insurance Co

2nd place: American National P&C

3rd place: Westfield

Elkins Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Elkins Park, PA

Way's key takeaways about car insurance in Elkins Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elkins Park

Cheapest Liability Coverage in Elkins Park, PA

Cheapest Full Coverage Car Insurance in Elkins Park

Cheapest Full Coverage Car Insurance Quotes in Elkins Park, PA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elkins Park by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Elkins Park, PA increasing?

Car Insurance Premiums by Age in Elkins Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elkins Park,PA

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

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 Elkins Park

Cheapest Car Insurance Companies after an At-Fault Accident in Elkins Park

Elkins Park Car Insurance Rates by Violation

Elkins Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elkins Park after a DUI

Elkins Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elkins Park after Speeding ticket

Car Insurance Price Trends in Elkins Park, Pennsylvania

Average Car Insurance Cost in Elkins Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elkins Park, PA

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

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