Cheapest Car Insurance Quotes in Elk Mountain

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Elk Mountain Car Insurance

^$ 16

/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 Mountain

The car insurance rate in Elk Mountain is $740 for a six-month policy, which is $23 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $484, making it a popular choice for budget-conscious drivers. Rates in Elk Mountain 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 Mountain

$740

Avg. Car Insurance in Wyoming

$763

National Average

$1278

Cheapest Car Insurance Companies in Elk Mountain

1st place: American National

At $484 for a six month policy, American National offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $553 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $599 for six months, making it the third cheapest auto insurance company in Elk Mountain.

Elk Mountain Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elk Mountain, WY is American National, offering policies at just $484 for a six-month term. This is followed by USAA, which has an average six-month premium of $553.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1141 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Elk Mountain drivers find the best deals.

Cheap Car Insurance Companies in Elk Mountain, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$484	$81
USAA	$553	$93
State Farm	$599	$101
Farmers	$709	$119
MetLife	$956	$159
Allstate	$1141	$192

Key Takeaways

Way's key takeaways about car insurance in Elk Mountain

The auto insurance costs in Elk Mountain fall around $484 for six months.
The cheapest auto insurance company in Elk Mountain is USAA.
Teen drivers pay the highest rate in Elk Mountain at $720 per month.

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Cheapest Minimum Liability Car Insurance in Elk Mountain

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 Mountain are given below.

USAA provides the cheapest minimum car insurance coverage in Elk Mountain. Their Average 6 Month Premium is $92. Allstate is the most expensive at $276 for the same period.

Cheapest Liability Coverage in Elk Mountain, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$92	$16
American National	$104	$17
State Farm	$115	$19
MetLife	$167	$28
Farmers	$178	$30
Allstate	$276	$47

Cheapest Full Coverage Car Insurance in Elk Mountain

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 Mountain is American National at $81 per month and $484 for six months.

Cheapest Full Coverage Car Insurance Quotes in Elk Mountain, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$484	$81
USAA	$553	$93
State Farm	$599	$101
Farmers	$709	$119
MetLife	$956	$159
Allstate	$1141	$192

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Average Car Insurance in Elk Mountain 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 Mountain, WY increasing?

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

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 Mountain,WY

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Elk Mountain at $126 per month. At $4316 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$749	$126
State Farm	$772	$130
USAA	$818	$138
Farmers	$1019	$172
Allstate	$4316	$720

Teen Car Insurance Rates in WY 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 Mountain, State Farm is the cheapest car insurance provider. At $623 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 Mountain is Allstate, offering rates of around $1821 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$623	$105
Farmers	$639	$108
American National	$807	$137
USAA	$1590	$265
Allstate	$1821	$309

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Car Insurance Rates with An Accident in Elk Mountain

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 Mountain, WY, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Elk Mountain include State Farm and USAA, offering $288 and $392, respectively. Allstate is an expensive provider with an average six-month premium of $939.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$288	$49
USAA	$392	$66
Farmers	$404	$68
American National	$570	$96
Allstate	$939	$158

Elk Mountain Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elk Mountain WY. For example, the car insurance in Elk Mountain after a DUI increases to $530 for a six month policy. While the rate increases by $173 for a six-month policy in the case of a speeding ticket.

Elk Mountain auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$772	$129
One Med/PIP claim	$772	$131
One comp claim	$824	$138
Two Med/PIP claims	$824	$140
Driving without lights	$841	$141
Not-at-fault accident	$847	$144
Cell phone violation	$858	$144
Texting while driving	$858	$146
Failure to show documents	$864	$145
Failure to wear a seat belt	$864	$147
Child safety restraint	$870	$145
Driving with expired registration	$870	$148
Failure to stop at a red light	$876	$146
Failure to yield	$876	$149
Following too closely	$876	$146
Illegal turn	$876	$149
Wrong way/wrong lane	$876	$146
Improper passing	$882	$150
Passing school bus	$899	$149
Two comp claims	$922	$157
Open container	$927	$154
Driving too slowly	$945	$161
In 65 MPH zone	$945	$157
Speeding 11 - 15 MPH over limit	$945	$161
Speeding 16 - 20 MPH over limit	$945	$157
Speeding 21 - 25 MPH over limit	$945	$161
Speeding 6 - 10 MPH over limit	$945	$157
Speeding in school zone	$945	$161
Operating a vehicle without permission	$1003	$167
At-fault accident - less than $1000	$1031	$176
At-fault accident - $1000-$2000	$1049	$175
At-fault accident - greater than $2000	$1049	$178
Racing	$1199	$200
Driving with a suspended license	$1227	$209
Reckless driving	$1233	$206
Refusal to submit to a chemical test	$1262	$214
DUI	$1302	$217
Leaving scene of an accident/hit and run	$1313	$223

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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 Mountain 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 Mountain.

The cheapest car insurance premiums in Elk Mountain are offered by State Farm at $576 for a six-month policy. However, it can be as expensive as $2224 with companies like MetLife.

Elk Mountain car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$576	$97
USAA	$686	$115
American National	$726	$122
Allstate	$1117	$188
Farmers	$1671	$281
MetLife	$2224	$371

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 Mountain are offered by State Farm at $404. However, it can be as expensive as $1372 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Elk Mountain after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$404	$68
Farmers	$565	$95
USAA	$611	$104
American National	$841	$141
Allstate	$1372	$233

Car Insurance Price Trends in Elk Mountain, Wyoming

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

The average cost of full coverage in the Elk Mountain rose by $155 in January compared to $146 of December. In other words, there has been an increase by $9 when you compare January and December.

The average cost of liability insurance in the Elk Mountain remained steady at $23 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Elk Mountain?

The car insurance in Elk Mountain is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Elk Mountain?

The cheapest car insurance in Elk Mountain is $81 per month for full coverage.

How much is car insurance in Elk Mountain for teenagers?

Car insurance for teenagers costs $749 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 Mountain?

The average cost of car insurance is $763 for a six-month policy. It will cost around $124 per month to insure your car in Elk Mountain.

Is car insurance expensive in Elk Mountain?

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

What is the best car insurance in Elk Mountain, WY?

The best car insurance company in Elk Mountain WY is American National, offering $484 for a six-month policy.