Cheapest Car Insurance Quotes in Elkins Park

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Elkins Park Car Insurance

^$ 19

/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 $1165 for a six-month policy, which is $378 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $545, 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

$1165

Avg. Car Insurance in Pennsylvania

$787

National Average

$1140

Cheapest Car Insurance Companies in Elkins Park

1st place: AutoOwners Insurance Co

At $545 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners

AutoOwners offers auto insurance rates at $562 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American National P&C

American National P&C offers auto insurance rates at $756 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 $545 for a six-month term. This is followed by AutoOwners, which has an average six-month premium of $562.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1986 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	$545	$90
Auto-Owners	$562	$96
American National P&C	$756	$126
Travelers	$817	$138
Westfield	$906	$151
Erie	$1187	$200
State Farm	$1240	$209
Nationwide	$1274	$215
Encompass	$1442	$240
Allstate	$1564	$263
USAA	$1705	$287
Progressive	$1986	$334

Key Takeaways

Way's key takeaways about car insurance in Elkins Park

The auto insurance costs in Elkins Park fall around $545 for six months.
The cheapest auto insurance company in Elkins Park is AutoOwners.
Teen drivers pay the highest rate in Elkins Park at $926 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.

AutoOwners provides the cheapest minimum car insurance coverage in Elkins Park. Their Average 6 Month Premium is $114. Allstate is the most expensive at $730 for the same period.

Cheapest Liability Coverage in Elkins Park, PA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$114	$19
Westfield	$212	$36
Auto-Owners Insurance Co	$221	$37
Travelers	$263	$44
Erie	$281	$47
American National P&C	$290	$49
Chubb	$308	$52
State Farm	$369	$62
USAA	$369	$62
Progressive	$395	$67
Nationwide	$457	$75
Allstate	$730	$124

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 $90 per month and $545 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	$545	$90
Auto-Owners	$562	$96
American National P&C	$756	$126
Travelers	$817	$138
Westfield	$906	$151
Erie	$1187	$200
State Farm	$1240	$209
Nationwide	$1274	$215
Encompass	$1442	$240
Allstate	$1564	$263
USAA	$1705	$287
Progressive	$1986	$334

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$835
30s	Travelers	$577
40s	Travelers	$543
50s	Travelers	$519
60s	Travelers	$519
70s	Travelers	$611

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 $37 per month. At $5451 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$221	$37
Auto-Owners Insurance Co	$255	$43
American National P&C	$334	$56
Chubb	$369	$62
Travelers	$1055	$178
Erie	$1292	$218
State Farm	$1767	$297
USAA	$2321	$386
Allstate	$3885	$660
Progressive	$5380	$897
Nationwide	$5451	$926

Teen Car Insurance Rates in PA by Age

Way Tip

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

As young drivers face the highest rates in Elkins Park, Travelers offers the cheapest auto insurance rates at $835 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 Elkins Park, Westfield is the cheapest car insurance provider. At $343 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 $4721 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$343	$58
Auto-Owners Insurance Co	$352	$59
Chubb	$413	$70
American National P&C	$466	$80
USAA	$1336	$222
Nationwide	$1354	$228
Erie	$2153	$360
Travelers	$2443	$416
Allstate	$3289	$548
Progressive	$3622	$616
State Farm	$4721	$787

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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 AutoOwners and Westfield, offering $114 and $308, respectively. Allstate is an expensive provider with an average six-month premium of $2004.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners	$114	$19
Westfield	$308	$52
Donegal	$343	$58
Auto-Owners Insurance Co	$352	$59
Chubb	$413	$70
American National P&C	$422	$71
Erie	$527	$89
Travelers	$633	$107
State Farm	$651	$110
USAA	$1151	$194
Progressive	$1240	$209
Nationwide	$1635	$272
Allstate	$2004	$340

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 $1477 for a six month policy. While the rate increases by $1627 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	$1627	$271
Cell phone violation	$1899	$323
Failure to wear a seat belt	$1899	$317
Failure to stop at a red light	$1917	$326
Illegal turn	$1917	$320
Improper passing	$1917	$326
Speeding in school zone	$1917	$320
Texting while driving	$1917	$326
Driving with expired registration	$1925	$321
Speeding 16 - 20 MPH over limit	$1925	$327
Wrong way/wrong lane	$1943	$324
Open container	$2057	$349
Reckless driving	$2998	$500
Racing	$3050	$518
DUI	$3104	$517
Driving with a suspended license	$3121	$531
Leaving scene of an accident/hit and run	$3148	$524

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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 $475 for a six-month policy. However, it can be as expensive as $3684 with companies like Nationwide.

Elkins Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$475	$78
Travelers	$747	$126
Erie	$1107	$186
Allstate	$1415	$238
Progressive	$1495	$252
State Farm	$1504	$253
USAA	$1573	$265
Nationwide	$3684	$620

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 $185. However, it can be as expensive as $2383 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	$185	$31
Auto-Owners Insurance Co	$237	$40
Erie	$676	$114
Travelers	$676	$114
State Farm	$774	$130
USAA	$1495	$255
Allstate	$2004	$334
Progressive	$2127	$361
Nationwide	$2383	$397

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 $247 in December compared to $238 of November. In other words, there has been an increase by $9 when you compare December and November.

The average cost of liability insurance in the Elkins Park remained steady at $55 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 Elkins Park?

The car insurance in Elkins Park is $19 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 $90 per month for full coverage.

How much is car insurance in Elkins Park for teenagers?

Car insurance for teenagers costs $221 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 $787 for a six-month policy. It will cost around $195 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: AutoOwners

3rd place: American National P&C

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 Travelers 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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