Cheapest Car Insurance Quotes in Elmwood Park

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Elmwood Park Car Insurance

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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 Elmwood Park

The car insurance rate in Elmwood Park is $782 for a six-month policy, which is $37 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $293, making it a popular choice for budget-conscious drivers. Rates in Elmwood 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 Elmwood Park

$782

Avg. Car Insurance in Wisconsin

$745

National Average

$1278

Cheapest Car Insurance Companies in Elmwood Park

1st place: AAA

At $293 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: West Bend Mutual

West Bend Mutual offers auto insurance rates at $437 for a six-month policy, making it one of the cheapest to insure with.

3rd place: IMT Insurance Company

IMT Insurance Company offers auto insurance rates at $480 for six months, making it the third cheapest auto insurance company in Elmwood Park.

Elmwood Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elmwood Park, WI is AAA, offering policies at just $293 for a six-month term. This is followed by West Bend Mutual, which has an average six-month premium of $437.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $798 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elmwood Park drivers find the best deals.

Cheap Car Insurance Companies in Elmwood Park, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$293	$49
West Bend Mutual	$437	$72
IMT Insurance Company	$480	$82
Auto-Owners Insurance Co	$486	$81
Chubb	$499	$85
Travelers	$555	$93
American Family	$562	$95
Erie	$686	$116
USAA	$730	$123
Acuity	$749	$126
Rockford Mutual	$792	$134
Nationwide	$855	$144
Rural Mutual	$880	$149
Auto-Owners	$998	$166
West Bend	$1010	$172
State Farm	$1067	$180
Farmers	$1097	$187
Allstate	$1316	$222
Progressive	$1478	$249
Secura	$674	$112
Hastings Mutual	$798	$135

Key Takeaways

Way's key takeaways about car insurance in Elmwood Park

The auto insurance costs in Elmwood Park fall around $293 for six months.
The cheapest auto insurance company in Elmwood Park is AAA.
Teen drivers pay the highest rate in Elmwood Park at $680 per month.

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Cheapest Minimum Liability Car Insurance in Elmwood 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 Elmwood Park are given below.

AAA provides the cheapest minimum car insurance coverage in Elmwood Park. Their Average 6 Month Premium is $125. Secura is the most expensive at $168 for the same period.

Cheapest Liability Coverage in Elmwood Park, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$125	$21
Rural Mutual	$138	$23
Western National	$150	$25
Erie	$168	$28
USAA	$174	$29
West Bend Mutual	$187	$32
Auto-Owners Insurance Co	$193	$33
Travelers	$206	$35
Acuity	$212	$36
American Family	$212	$36
Chubb	$218	$37
Auto-Owners	$237	$40
Progressive	$250	$42
State Farm	$261	$44
West Bend	$293	$49
Farmers	$368	$63
Allstate	$480	$81
Secura	$168	$28

Cheapest Full Coverage Car Insurance in Elmwood 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 Elmwood Park is AAA at $49 per month and $293 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elmwood Park, WI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$293	$49
West Bend Mutual	$437	$72
IMT Insurance Company	$480	$82
Auto-Owners Insurance Co	$486	$81
Chubb	$499	$85
Travelers	$555	$93
American Family	$562	$95
Erie	$686	$116
USAA	$730	$123
Acuity	$749	$126
Rockford Mutual	$792	$134
Nationwide	$855	$144
Rural Mutual	$880	$149
Auto-Owners	$998	$166
West Bend	$1010	$172
State Farm	$1067	$180
Farmers	$1097	$187
Allstate	$1316	$222
Progressive	$1478	$249
Secura	$674	$112
Hastings Mutual	$798	$135

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Average Car Insurance in Elmwood 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 Elmwood Park, WI increasing?

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

Additionally, Elmwood 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 Elmwood 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	USAA	$519
30s	USAA	$417
40s	USAA	$378
50s	USAA	$359
60s	USAA	$373
70s	USAA	$460

Cheapest Car Insurance Rates for Teen Drivers in Elmwood Park,WI

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Elmwood Park at $35 per month. At $4041 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$206	$35
Travelers	$212	$36
Auto-Owners Insurance Co	$244	$41
Western National	$244	$41
West Bend Mutual	$274	$46
Erie	$1023	$172
USAA	$1079	$182
American Family	$1167	$196
West Bend	$1915	$326
State Farm	$2333	$393
Auto-Owners	$2395	$407
Acuity	$2582	$435
Allstate	$3842	$647
Farmers	$4023	$671
Progressive	$4041	$680

Teen Car Insurance Rates in WI by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Elmwood Park.

As young drivers face the highest rates in Elmwood Park, USAA offers the cheapest auto insurance rates at $519 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 Elmwood Park, Western National is the cheapest car insurance provider. At $156 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 Elmwood Park is AutoOwners, offering rates of around $3661 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$156	$26
AAA	$174	$29
West Bend Mutual	$225	$38
Chubb	$250	$42
IMT Insurance Company	$250	$42
Travelers	$293	$49
American Family	$755	$127
Acuity	$936	$158
Erie	$1004	$169
State Farm	$1135	$189
USAA	$1279	$217
West Bend	$1478	$247
Progressive	$1691	$285
Allstate	$2077	$347
Auto-Owners	$3661	$623

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Elmwood Park.

Car Insurance Rates with An Accident in Elmwood 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 Elmwood Park, WI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Elmwood Park include Western National and Rural Mutual, offering $156 and $181, respectively. Progressive is an expensive provider with an average six-month premium of $2470.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$156	$26
Rural Mutual	$181	$30
Auto-Owners Insurance Co	$237	$40
AAA	$244	$41
Chubb	$250	$42
Travelers	$250	$42
West Bend Mutual	$312	$53
West Bend	$530	$89
Erie	$555	$93
USAA	$636	$107
Auto-Owners	$723	$122
American Family	$785	$132
State Farm	$942	$159
Acuity	$1148	$193
Farmers	$1509	$252
Allstate	$1971	$332
Progressive	$2470	$416

Elmwood Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elmwood Park WI. For example, the car insurance in Elmwood Park after a DUI increases to $830 for a six month policy. While the rate increases by $182 for a six-month policy in the case of a speeding ticket.

Elmwood Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$891	$149
One Med/PIP claim	$898	$152
Not-at-fault accident	$936	$156
One comp claim	$948	$162
Two Med/PIP claims	$961	$160
Failure to show documents	$973	$166
Driving with expired registration	$998	$166
Failure to wear a seat belt	$1004	$171
Two comp claims	$1023	$170
Driving without lights	$1061	$181
Child safety restraint	$1067	$177
Speeding 6 - 10 MPH over limit	$1073	$183
At-fault accident - less than $1000	$1086	$181
Cell phone violation	$1092	$186
Driving too slowly	$1097	$183
Failure to yield	$1097	$187
Speeding in school zone	$1097	$183
Illegal turn	$1104	$188
Speeding 11 - 15 MPH over limit	$1104	$184
Speeding 16 - 20 MPH over limit	$1104	$188
Texting while driving	$1104	$184
Wrong way/wrong lane	$1104	$188
Failure to stop at a red light	$1116	$186
Following too closely	$1116	$190
Improper passing	$1148	$191
Passing school bus	$1167	$198
In 65 MPH zone	$1229	$205
At-fault accident - $1000-$2000	$1279	$217
Speeding 21 - 25 MPH over limit	$1279	$213
Operating a vehicle without permission	$1285	$218
At-fault accident - greater than $2000	$1292	$215
Open container	$1303	$222
Reckless driving	$1684	$280
Racing	$1691	$288
Refusal to submit to a chemical test	$1703	$284
Driving with a suspended license	$1709	$291
Leaving scene of an accident/hit and run	$1716	$286
DUI	$1721	$293

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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 Elmwood 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 Elmwood Park.

The cheapest car insurance premiums in Elmwood Park are offered by Western National at $156 for a six-month policy. However, it can be as expensive as $2295 with companies like Acuity.

Elmwood Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$156	$26
Chubb	$250	$42
Travelers	$293	$49
Kemper	$356	$59
West Bend	$730	$123
Erie	$774	$130
American Family	$804	$135
USAA	$836	$141
State Farm	$1222	$206
Progressive	$1353	$228
Farmers	$1453	$247
Allstate	$1578	$266
Auto-Owners	$1640	$279
Acuity	$2295	$382

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 Elmwood Park are offered by Western National at $156. However, it can be as expensive as $1603 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Elmwood Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$156	$26
AAA	$200	$34
Auto-Owners Insurance Co	$218	$37
Travelers	$244	$41
Chubb	$250	$42
West Bend Mutual	$287	$48
Erie	$530	$89
American Family	$555	$93
State Farm	$717	$121
USAA	$761	$129
Acuity	$917	$154
Auto-Owners	$998	$170
West Bend	$1141	$190
Allstate	$1515	$257
Progressive	$1603	$270

Car Insurance Price Trends in Elmwood Park, Wisconsin

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

The average cost of full coverage in the Elmwood Park rose by $165 in January compared to $131 of December. In other words, there has been an increase by $34 when you compare January and December.

The average cost of liability insurance in the Elmwood Park rose to $37 in January, compared to $36 in December. This represents an increase of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Elmwood Park?

The car insurance in Elmwood Park is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Elmwood Park?

The cheapest car insurance in Elmwood Park is $49 per month for full coverage.

How much is car insurance in Elmwood Park for teenagers?

Car insurance for teenagers costs $206 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 Elmwood Park?

The average cost of car insurance is $745 for a six-month policy. It will cost around $131 per month to insure your car in Elmwood Park.

Is car insurance expensive in Elmwood Park?

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

Cheapest Car Insurance Quotes in Elmwood Park

Why you can trust Way?

How Much Is Car Insurance in Elmwood Park

Avg. Car Insurance in Elmwood Park

Avg. Car Insurance in Wisconsin

National Average

Cheapest Car Insurance Companies in Elmwood Park

1st place: AAA

2nd place: West Bend Mutual

3rd place: IMT Insurance Company

Elmwood Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Elmwood Park, WI

Way's key takeaways about car insurance in Elmwood Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elmwood Park

Cheapest Liability Coverage in Elmwood Park, WI

Cheapest Full Coverage Car Insurance in Elmwood Park

Cheapest Full Coverage Car Insurance Quotes in Elmwood Park, WI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elmwood Park by Rating Factor

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

Car Insurance Premiums by Age in Elmwood Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elmwood Park,WI

If you are in your twenties USAA is the best choice for car insurance in Elmwood 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 Elmwood Park

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

Elmwood Park Car Insurance Rates by Violation

Elmwood Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elmwood Park after a DUI

Elmwood Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elmwood Park after Speeding ticket

Car Insurance Price Trends in Elmwood Park, Wisconsin

Average Car Insurance Cost in Elmwood Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elmwood Park, WI

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

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