Cheapest Car Insurance Quotes in Elk Garden

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Elk Garden Car Insurance

^$ 29

/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 Garden

The car insurance rate in Elk Garden is $894 for a six-month policy, which is $78 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $684, making it a popular choice for budget-conscious drivers. Rates in Elk Garden 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 Garden

$894

Avg. Car Insurance in West Virginia

$972

National Average

$1140

Cheapest Car Insurance Companies in Elk Garden

1st place: USAA

At $684 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $749 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $771 for six months, making it the third cheapest auto insurance company in Elk Garden.

Elk Garden Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elk Garden, WV is USAA, offering policies at just $684 for a six-month term. This is followed by Erie, which has an average six-month premium of $749.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1317 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elk Garden drivers find the best deals.

Cheap Car Insurance Companies in Elk Garden, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$684	$115
Erie	$749	$126
Westfield	$771	$130
Encompass	$853	$145
State Farm	$853	$144
Progressive	$913	$154
Nationwide	$1017	$169
Allstate	$1317	$222

Key Takeaways

Way's key takeaways about car insurance in Elk Garden

The auto insurance costs in Elk Garden fall around $684 for six months.
The cheapest auto insurance company in Elk Garden is USAA.
Teen drivers pay the highest rate in Elk Garden at $756 per month.

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Cheapest Minimum Liability Car Insurance in Elk Garden

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 Garden are given below.

USAA provides the cheapest minimum car insurance coverage in Elk Garden. Their Average 6 Month Premium is $169. Allstate is the most expensive at $492 for the same period.

Cheapest Liability Coverage in Elk Garden, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$169	$29
Westfield	$169	$29
Erie	$186	$31
State Farm	$240	$40
Encompass	$257	$43
Nationwide	$448	$76
Progressive	$476	$79
Allstate	$492	$84

Cheapest Full Coverage Car Insurance in Elk Garden

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 Garden is USAA at $115 per month and $684 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elk Garden, WV

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$684	$115
Erie	$749	$126
Westfield	$771	$130
Encompass	$853	$145
State Farm	$853	$144
Progressive	$913	$154
Nationwide	$1017	$169
Allstate	$1317	$222

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Average Car Insurance in Elk Garden 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 Garden, WV increasing?

Despite maintaining a clean driving record, your car insurance rates in Elk Garden, West Virginia, may be increasing due to several external factors. West Virginia 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 Garden'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 Garden

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 Elk Garden,WV

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Elk Garden at $164 per month. At $4492 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$972	$164
Erie	$989	$167
USAA	$1191	$201
State Farm	$1524	$257
Progressive	$3295	$555
Nationwide	$3929	$668
Allstate	$4492	$756

Teen Car Insurance Rates in WV 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 Elk Garden, Westfield is the cheapest car insurance provider. At $595 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 Garden is State Farm, offering rates of around $2913 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$595	$100
USAA	$1028	$171
Progressive	$1377	$235
Nationwide	$1388	$231
Erie	$1432	$244
Allstate	$1967	$328
State Farm	$2913	$495

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Car Insurance Rates with An Accident in Elk Garden

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 Garden, WV, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Elk Garden include Encompass and Erie, offering $339 and $591, respectively. Allstate is an expensive provider with an average six-month premium of $1880.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Encompass	$339	$56
Erie	$591	$99
Westfield	$628	$106
USAA	$667	$112
State Farm	$710	$120
Progressive	$1563	$263
Nationwide	$1634	$272
Allstate	$1880	$316

Elk Garden Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elk Garden WV. For example, the car insurance in Elk Garden after a DUI increases to $732 for a six month policy. While the rate increases by $180 for a six-month policy in the case of a speeding ticket.

Elk Garden auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$946	$157
One Med/PIP claim	$946	$161
One comp claim	$978	$163
Not-at-fault accident	$983	$167
Two Med/PIP claims	$989	$165
Two comp claims	$1039	$177
Failure to wear a seat belt	$1060	$177
Failure to show documents	$1076	$183
Driving without lights	$1087	$181
Cell phone violation	$1121	$190
Texting while driving	$1121	$187
Speeding 6 - 10 MPH over limit	$1126	$191
Driving with expired registration	$1132	$189
Driving too slowly	$1137	$193
Failure to stop at a red light	$1137	$190
Following too closely	$1137	$193
Illegal turn	$1137	$190
Improper passing	$1137	$193
Speeding 11 - 15 MPH over limit	$1137	$190
Speeding in school zone	$1137	$193
Wrong way/wrong lane	$1137	$190
Failure to yield	$1142	$194
Speeding 16 - 20 MPH over limit	$1142	$190
In 65 MPH zone	$1147	$195
Speeding 21 - 25 MPH over limit	$1147	$191
Passing school bus	$1175	$200
Child safety restraint	$1180	$197
Operating a vehicle without permission	$1180	$201
At-fault accident - less than $1000	$1268	$212
Open container	$1279	$217
At-fault accident - $1000-$2000	$1377	$229
At-fault accident - greater than $2000	$1377	$235
Driving with a suspended license	$1513	$252
Reckless driving	$1574	$268
DUI	$1678	$280
Refusal to submit to a chemical test	$1678	$285
Racing	$1684	$281
Leaving scene of an accident/hit and run	$1688	$287

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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 Garden 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 Garden.

The cheapest car insurance premiums in Elk Garden are offered by Erie at $842 for a six-month policy. However, it can be as expensive as $2039 with companies like Nationwide.

Elk Garden car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$842	$142
State Farm	$951	$160
USAA	$983	$166
Progressive	$1049	$177
Westfield	$1202	$202
Allstate	$1771	$298
Nationwide	$2039	$339

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 Garden are offered by Westfield at $420. However, it can be as expensive as $1317 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Elk Garden after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$420	$71
Erie	$465	$78
State Farm	$508	$86
USAA	$628	$105
Progressive	$1044	$178
Allstate	$1306	$218
Nationwide	$1317	$224

Car Insurance Price Trends in Elk Garden, West Virginia

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

The average cost of full coverage in the Elk Garden remained steady at $178 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Elk Garden rose to $42 in December, compared to $41 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 Elk Garden?

The car insurance in Elk Garden is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Elk Garden?

The cheapest car insurance in Elk Garden is $115 per month for full coverage.

How much is car insurance in Elk Garden for teenagers?

Car insurance for teenagers costs $972 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 Garden?

The average cost of car insurance is $972 for a six-month policy. It will cost around $150 per month to insure your car in Elk Garden.

Is car insurance expensive in Elk Garden?

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

Cheapest Car Insurance Quotes in Elk Garden

Why you can trust Way?

How Much Is Car Insurance in Elk Garden

Avg. Car Insurance in Elk Garden

Avg. Car Insurance in West Virginia

National Average

Cheapest Car Insurance Companies in Elk Garden

1st place: USAA

2nd place: Erie

3rd place: Westfield

Elk Garden Car Insurance Rates by Company

Cheap Car Insurance Companies in Elk Garden, WV

Way's key takeaways about car insurance in Elk Garden

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elk Garden

Cheapest Liability Coverage in Elk Garden, WV

Cheapest Full Coverage Car Insurance in Elk Garden

Cheapest Full Coverage Car Insurance Quotes in Elk Garden, WV

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elk Garden by Rating Factor

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

Car Insurance Premiums by Age in Elk Garden

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elk Garden,WV

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

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 Garden

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

Elk Garden Car Insurance Rates by Violation

Elk Garden auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elk Garden after a DUI

Elk Garden car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elk Garden after Speeding ticket

Car Insurance Price Trends in Elk Garden, West Virginia

Average Car Insurance Cost in Elk Garden by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elk Garden, WV

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

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