Cheapest Car Insurance Quotes in Elk Plain

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Elk Plain Car Insurance

^$ 44

/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 Elk Plain

The car insurance rate in Elk Plain is $1110 for a six-month policy, which is $193 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $496, making it a popular choice for budget-conscious drivers. Rates in Elk Plain 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 Elk Plain

$1110

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Elk Plain

1st place: Kemper

At $496 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $668 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $690 for six months, making it the third cheapest auto insurance company in Elk Plain.

Elk Plain Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elk Plain, WA is Kemper, offering policies at just $496 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $668.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $2926 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elk Plain drivers find the best deals.

Cheap Car Insurance Companies in Elk Plain, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$496	$82
Nationwide	$668	$114
Auto-Owners Insurance Co	$690	$115
Chubb	$783	$133
Capital Insurance Group	$797	$133
USAA	$934	$157
Mutual of Enumclaw	$985	$165
American Family	$1007	$169
State Farm	$1007	$169
Progressive	$1027	$173
PEMCO	$1107	$186
Travelers	$1114	$188
Farmers	$1222	$206
Allstate	$1379	$232
Granwest P&C	$1624	$271
Sentry	$2926	$497

Key Takeaways

Way's key takeaways about car insurance in Elk Plain

The auto insurance costs in Elk Plain fall around $496 for six months.
The cheapest auto insurance company in Elk Plain is California Casualty.
Teen drivers pay the highest rate in Elk Plain at $824 per month.

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Cheapest Minimum Liability Car Insurance in Elk Plain

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 Elk Plain are given below.

California Casualty provides the cheapest minimum car insurance coverage in Elk Plain. Their Average 6 Month Premium is $259. Grange is the most expensive at $259 for the same period.

Cheapest Liability Coverage in Elk Plain, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$259	$44
USAA	$259	$44
Granwest P&C	$266	$45
Auto-Owners Insurance Co	$281	$47
Chubb	$330	$56
Nationwide	$345	$58
PEMCO	$345	$58
Capital Insurance Group	$367	$63
Progressive	$374	$63
American Family	$381	$65
Mutual of Enumclaw	$410	$69
State Farm	$410	$69
Travelers	$417	$70
Farmers	$489	$82
Allstate	$812	$137
Sentry	$841	$143
Encompass	$252	$42
Grange	$259	$44

Cheapest Full Coverage Car Insurance in Elk Plain

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 Elk Plain is Kemper at $82 per month and $496 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elk Plain, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$496	$82
Nationwide	$668	$114
Auto-Owners Insurance Co	$690	$115
Chubb	$783	$133
Capital Insurance Group	$797	$133
USAA	$934	$157
Mutual of Enumclaw	$985	$165
American Family	$1007	$169
State Farm	$1007	$169
Progressive	$1027	$173
PEMCO	$1107	$186
Travelers	$1114	$188
Farmers	$1222	$206
Allstate	$1379	$232
Granwest P&C	$1624	$271
Sentry	$2926	$497

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Average Car Insurance in Elk Plain 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 Elk Plain, WA increasing?

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

Car Insurance Premiums by Age in Elk Plain

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	PEMCO	$819
30s	PEMCO	$574
40s	PEMCO	$580
50s	PEMCO	$551
60s	PEMCO	$580
70s	PEMCO	$720

Cheapest Car Insurance Rates for Teen Drivers in Elk Plain,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Elk Plain at $68 per month. At $4945 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$396	$68
Auto-Owners Insurance Co	$410	$68
Chubb	$460	$79
Travelers	$1352	$227
State Farm	$1430	$241
USAA	$1660	$280
Pemco	$2041	$344
Farmers	$2465	$415
Mutual of Enumclaw	$2494	$424
Progressive	$2724	$459
Allstate	$2831	$477
Sentry	$4945	$824

Teen Car Insurance Rates in WA by Age

Way Tip

If you are in your twenties PEMCO is the best choice for car insurance in Elk Plain.

As young drivers face the highest rates in Elk Plain, PEMCO offers the cheapest auto insurance rates at $819 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 Elk Plain, AutoOwners Insurance Co is the cheapest car insurance provider. At $281 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 Elk Plain is Sentry, offering rates of around $2926 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$281	$47
Chubb	$330	$56
American Family	$381	$65
Nationwide	$396	$65
Kemper	$431	$74
Farmers	$1122	$189
Travelers	$1193	$201
State Farm	$1416	$238
Progressive	$1423	$240
USAA	$1459	$243
Pemco	$1667	$281
Mutual of Enumclaw	$1711	$286
Allstate	$2674	$455
Sentry	$2926	$488

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Elk Plain.

Car Insurance Rates with An Accident in Elk Plain

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 Elk Plain, WA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Elk Plain

The cheapest car insurance companies after an at-fault accident in Elk Plain include AutoOwners Insurance Co and Encompass, offering $359 and $410, respectively. Sentry is an expensive provider with an average six-month premium of $5082.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$359	$61
Encompass	$410	$70
Chubb	$424	$71
American Family	$460	$79
Kemper	$597	$99
USAA	$640	$108
Travelers	$934	$157
State Farm	$956	$161
PEMCO	$1042	$175
Capital Insurance Group	$1064	$180
Mutual of Enumclaw	$1330	$221
Progressive	$1416	$238
Farmers	$1509	$254
Allstate	$2465	$415
Sentry	$5082	$847

Elk Plain Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elk Plain WA. For example, the car insurance in Elk Plain after a DUI increases to $985 for a six month policy. While the rate increases by $281 for a six-month policy in the case of a speeding ticket.

Elk Plain auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1293	$215
One Med/PIP claim	$1293	$220
Not-at-fault accident	$1337	$223
Two Med/PIP claims	$1337	$227
One comp claim	$1344	$224
Two comp claims	$1401	$238
Failure to show documents	$1545	$258
Child safety restraint	$1560	$265
Driving without lights	$1574	$263
Failure to wear a seat belt	$1574	$267
Speeding 11 - 15 MPH over limit	$1574	$263
Speeding 16 - 20 MPH over limit	$1574	$267
Speeding 6 - 10 MPH over limit	$1574	$263
Driving too slowly	$1589	$270
Driving with expired registration	$1589	$265
Cell phone violation	$1596	$271
Failure to yield	$1596	$266
Improper passing	$1596	$271
Texting while driving	$1596	$266
Wrong way/wrong lane	$1596	$271
Failure to stop at a red light	$1603	$267
Following too closely	$1603	$272
Illegal turn	$1603	$267
Speeding in school zone	$1675	$284
Passing school bus	$1682	$281
At-fault accident - less than $1000	$1704	$289
Speeding 21 - 25 MPH over limit	$1704	$284
Open container	$1711	$290
In 65 MPH zone	$1775	$296
At-fault accident - $1000-$2000	$1840	$313
At-fault accident - greater than $2000	$1848	$307
Operating a vehicle without permission	$1861	$317
Refusal to submit to a chemical test	$2228	$371
Reckless driving	$2235	$380
Driving with a suspended license	$2257	$376
DUI	$2278	$387
Racing	$2357	$393
Leaving scene of an accident/hit and run	$2372	$403

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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 Elk Plain 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 Elk Plain.

The cheapest car insurance premiums in Elk Plain are offered by Chubb at $410 for a six-month policy. However, it can be as expensive as $3853 with companies like Sentry.

Elk Plain car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$410	$70
American Family	$453	$75
Auto-Owners Insurance Co	$518	$88
Travelers	$985	$166
Progressive	$992	$167
USAA	$1093	$184
Pemco	$1208	$203
State Farm	$1315	$221
Farmers	$1538	$259
Mutual of Enumclaw	$1718	$287
Grange	$2200	$374
Allstate	$2249	$379
Cal Casualty	$2458	$417
Sentry	$3853	$643

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 Elk Plain are offered by Chubb at $359. However, it can be as expensive as $4708 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Elk Plain after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$359	$62
Auto-Owners Insurance Co	$374	$62
American Family	$453	$77
State Farm	$841	$142
Travelers	$1027	$173
USAA	$1129	$188
Mutual of Enumclaw	$1200	$204
Pemco	$1251	$211
Progressive	$1279	$215
Farmers	$1408	$237
Allstate	$2163	$368
Sentry	$4708	$784

Car Insurance Price Trends in Elk Plain, Washington

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

The average cost of full coverage in the Elk Plain rose by $236 in January compared to $183 of December. In other words, there has been an increase by $53 when you compare January and December.

The average cost of liability insurance in the Elk Plain rose to $68 in January, compared to $62 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Elk Plain?

The car insurance in Elk Plain is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Elk Plain?

The cheapest car insurance in Elk Plain is $82 per month for full coverage.

How much is car insurance in Elk Plain for teenagers?

Car insurance for teenagers costs $396 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 Elk Plain?

The average cost of car insurance is $917 for a six-month policy. It will cost around $186 per month to insure your car in Elk Plain.

Is car insurance expensive in Elk Plain?

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

Cheapest Car Insurance Quotes in Elk Plain

Why you can trust Way?

How Much Is Car Insurance in Elk Plain

Avg. Car Insurance in Elk Plain

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Elk Plain

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Elk Plain Car Insurance Rates by Company

Cheap Car Insurance Companies in Elk Plain, WA

Way's key takeaways about car insurance in Elk Plain

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elk Plain

Cheapest Liability Coverage in Elk Plain, WA

Cheapest Full Coverage Car Insurance in Elk Plain

Cheapest Full Coverage Car Insurance Quotes in Elk Plain, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elk Plain by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Elk Plain, WA increasing?

Car Insurance Premiums by Age in Elk Plain

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elk Plain,WA

If you are in your twenties PEMCO is the best choice for car insurance in Elk Plain.

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 Elk Plain

Cheapest Car Insurance Companies after an At-Fault Accident in Elk Plain

Elk Plain Car Insurance Rates by Violation

Elk Plain auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elk Plain after a DUI

Elk Plain car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elk Plain after Speeding ticket

Car Insurance Price Trends in Elk Plain, Washington

Average Car Insurance Cost in Elk Plain by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elk Plain, WA

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

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