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Elbe 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 Elbe is $963 for a six-month policy, which is $46 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $431, making it a popular choice for budget-conscious drivers. Rates in Elbe 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 $431 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.
Nationwide offers auto insurance rates at $580 for a six-month policy, making it one of the cheapest to insure with.
AutoOwners Insurance Co offers auto insurance rates at $599 for six months, making it the third cheapest auto insurance company in Elbe.
Based on our research, the cheapest car insurance company in Elbe, WA is Kemper, offering policies at just $431 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $580.
At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2539 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elbe drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $431 | $71 |
| Nationwide | $580 | $99 |
| Auto-Owners Insurance Co | $599 | $100 |
| Chubb | $679 | $116 |
| Capital Insurance Group | $692 | $116 |
| USAA | $811 | $137 |
| Mutual of Enumclaw | $855 | $143 |
| American Family | $874 | $147 |
| State Farm | $874 | $147 |
| Progressive | $891 | $150 |
| PEMCO | $961 | $162 |
| Travelers | $967 | $163 |
| Farmers | $1061 | $179 |
| Allstate | $1197 | $202 |
| Granwest P&C | $1409 | $235 |
| Sentry | $2539 | $432 |
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 Elbe are given below.
California Casualty provides the cheapest minimum car insurance coverage in Elbe. Their Average 6 Month Premium is $225. Grange is the most expensive at $225 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| California Casualty | $225 | $38 |
| USAA | $225 | $38 |
| Granwest P&C | $231 | $39 |
| Auto-Owners Insurance Co | $244 | $41 |
| Chubb | $287 | $48 |
| Nationwide | $299 | $50 |
| PEMCO | $299 | $50 |
| Capital Insurance Group | $318 | $55 |
| Progressive | $324 | $55 |
| American Family | $331 | $57 |
| Mutual of Enumclaw | $356 | $60 |
| State Farm | $356 | $60 |
| Travelers | $362 | $61 |
| Farmers | $424 | $71 |
| Allstate | $705 | $119 |
| Sentry | $730 | $124 |
| Encompass | $218 | $37 |
| Grange | $225 | $38 |
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 Elbe is Kemper at $71 per month and $431 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $431 | $71 |
| Nationwide | $580 | $99 |
| Auto-Owners Insurance Co | $599 | $100 |
| Chubb | $679 | $116 |
| Capital Insurance Group | $692 | $116 |
| USAA | $811 | $137 |
| Mutual of Enumclaw | $855 | $143 |
| American Family | $874 | $147 |
| State Farm | $874 | $147 |
| Progressive | $891 | $150 |
| PEMCO | $961 | $162 |
| Travelers | $967 | $163 |
| Farmers | $1061 | $179 |
| Allstate | $1197 | $202 |
| Granwest P&C | $1409 | $235 |
| Sentry | $2539 | $432 |
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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 Elbe, Washington, may be increasing due to several external factors. Washington has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Elbe'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 | PEMCO | $711 |
| 30s | PEMCO | $498 |
| 40s | PEMCO | $503 |
| 50s | PEMCO | $478 |
| 60s | PEMCO | $503 |
| 70s | PEMCO | $625 |
If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Elbe at $59 per month. At $4291 for a six-month premium, Sentry offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $343 | $59 |
| Auto-Owners Insurance Co | $356 | $59 |
| Chubb | $399 | $68 |
| Travelers | $1173 | $197 |
| State Farm | $1241 | $209 |
| USAA | $1441 | $243 |
| Pemco | $1771 | $298 |
| Farmers | $2139 | $360 |
| Mutual of Enumclaw | $2164 | $368 |
| Progressive | $2364 | $398 |
| Allstate | $2457 | $414 |
| Sentry | $4291 | $715 |
Teen Car Insurance Rates in WA 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 Elbe, AutoOwners Insurance Co is the cheapest car insurance provider. At $244 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 Elbe is Sentry, offering rates of around $2539 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $244 | $41 |
| Chubb | $287 | $48 |
| American Family | $331 | $57 |
| Nationwide | $343 | $57 |
| Kemper | $374 | $64 |
| Farmers | $973 | $164 |
| Travelers | $1035 | $174 |
| State Farm | $1229 | $207 |
| Progressive | $1235 | $208 |
| USAA | $1266 | $211 |
| Pemco | $1447 | $244 |
| Mutual of Enumclaw | $1485 | $248 |
| Allstate | $2321 | $395 |
| Sentry | $2539 | $423 |
Save up to $971/yr on car insurance rates in Elbe.
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 Elbe, WA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Elbe include AutoOwners Insurance Co and Encompass, offering $312 and $356, respectively. Sentry is an expensive provider with an average six-month premium of $4410.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $312 | $53 |
| Encompass | $356 | $61 |
| Chubb | $368 | $62 |
| American Family | $399 | $68 |
| Kemper | $518 | $86 |
| USAA | $555 | $93 |
| Travelers | $811 | $137 |
| State Farm | $830 | $140 |
| PEMCO | $904 | $152 |
| Capital Insurance Group | $923 | $156 |
| Mutual of Enumclaw | $1154 | $192 |
| Progressive | $1229 | $207 |
| Farmers | $1309 | $221 |
| Allstate | $2139 | $360 |
| Sentry | $4410 | $735 |
Here is a list of driving violations that can increase your car insurance rates in Elbe WA. For example, the car insurance in Elbe after a DUI increases to $855 for a six month policy. While the rate increases by $244 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1122 | $187 |
| One Med/PIP claim | $1122 | $191 |
| Not-at-fault accident | $1160 | $193 |
| Two Med/PIP claims | $1160 | $197 |
| One comp claim | $1167 | $194 |
| Two comp claims | $1216 | $207 |
| Failure to show documents | $1341 | $224 |
| Child safety restraint | $1353 | $230 |
| Driving without lights | $1366 | $228 |
| Failure to wear a seat belt | $1366 | $232 |
| Speeding 11 - 15 MPH over limit | $1366 | $228 |
| Speeding 16 - 20 MPH over limit | $1366 | $232 |
| Speeding 6 - 10 MPH over limit | $1366 | $228 |
| Driving too slowly | $1379 | $234 |
| Driving with expired registration | $1379 | $230 |
| Cell phone violation | $1385 | $235 |
| Failure to yield | $1385 | $231 |
| Improper passing | $1385 | $235 |
| Texting while driving | $1385 | $231 |
| Wrong way/wrong lane | $1385 | $235 |
| Failure to stop at a red light | $1391 | $232 |
| Following too closely | $1391 | $236 |
| Illegal turn | $1391 | $232 |
| Speeding in school zone | $1453 | $247 |
| Passing school bus | $1460 | $244 |
| At-fault accident - less than $1000 | $1478 | $251 |
| Speeding 21 - 25 MPH over limit | $1478 | $247 |
| Open container | $1485 | $252 |
| In 65 MPH zone | $1540 | $257 |
| At-fault accident - $1000-$2000 | $1597 | $272 |
| At-fault accident - greater than $2000 | $1603 | $267 |
| Operating a vehicle without permission | $1615 | $275 |
| Refusal to submit to a chemical test | $1933 | $322 |
| Reckless driving | $1939 | $330 |
| Driving with a suspended license | $1958 | $327 |
| DUI | $1977 | $336 |
| Racing | $2045 | $341 |
| Leaving scene of an accident/hit and run | $2058 | $350 |
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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 Elbe.
The cheapest car insurance premiums in Elbe are offered by Chubb at $356 for a six-month policy. However, it can be as expensive as $3343 with companies like Sentry.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Chubb | $356 | $61 |
| American Family | $393 | $65 |
| Auto-Owners Insurance Co | $449 | $77 |
| Travelers | $855 | $144 |
| Progressive | $861 | $145 |
| USAA | $948 | $160 |
| Pemco | $1048 | $176 |
| State Farm | $1141 | $192 |
| Farmers | $1335 | $225 |
| Mutual of Enumclaw | $1491 | $249 |
| Grange | $1909 | $324 |
| Allstate | $1952 | $329 |
| Cal Casualty | $2133 | $362 |
| Sentry | $3343 | $558 |
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 Elbe are offered by Chubb at $312. However, it can be as expensive as $4086 with companies like Sentry for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Chubb | $312 | $54 |
| Auto-Owners Insurance Co | $324 | $54 |
| American Family | $393 | $67 |
| State Farm | $730 | $123 |
| Travelers | $891 | $150 |
| USAA | $980 | $163 |
| Mutual of Enumclaw | $1042 | $177 |
| Pemco | $1086 | $183 |
| Progressive | $1110 | $187 |
| Farmers | $1222 | $206 |
| Allstate | $1877 | $319 |
| Sentry | $4086 | $680 |
Car insurance rates in Elbe have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Elbe rose by $205 in January compared to $159 of December. In other words, there has been an increase by $46 when you compare January and December.
The average cost of liability insurance in the Elbe rose to $59 in January, compared to $54 in December. This represents an increase of $5 when comparing January and December.
How much is car insurance in Elbe?
The car insurance in Elbe is $38 per month, which is lower than the national average.
What is the cheapest car insurance in Elbe?
The cheapest car insurance in Elbe is $71 per month for full coverage.
How much is car insurance in Elbe for teenagers?
Car insurance for teenagers costs $343 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 Elbe?
The average cost of car insurance is $917 for a six-month policy. It will cost around $162 per month to insure your car in Elbe.
Is car insurance expensive in Elbe?
Car insurance can be expensive in Elbe if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Elbe can be affordable.
What is the best car insurance in Elbe, WA?
The best car insurance company in Elbe WA is Kemper, offering $431 for a six-month policy.
Cut auto insurance costs in Elbe right now.