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If you're looking for the best and cheapest car insurance in Elkins, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Elkins and prepared this guide for you.

The average cost of auto insurance in Elkins for full coverage is $1,307 per year for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Elkins. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance companies in Elkins

According to a study by Insurance.com, the cheapest car insurance companies in Elkins for 2023 are Geico and USAA.

Geico is the cheapest option for most Elkins drivers, with an average annual rate of $874.

Car insurance cost may vary in Elkins based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Elkins

CompaniesAverage Annual Rates
Geico$874
USAA$978
Travelers$1,162
State Farm$1,206
Nationwide$1,253
Auto-Owners$1,292
Farmers$1,294
Auto Club Enterprises (AAA)$1,358
Progressive$1,650
Allstate$2,002

Cheapest car insurance cost in Elkins by Age Group

The cheapest auto insurance company in Elkins for teen drivers is Geico. For full coverage, its average annual rate for Elkins drivers is $3,094. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.

Geico is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Elkins at about $1,393 per year.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Elkins is the Geico. Its average rate for a full coverage car insurance policy is $883 per year.

If you are a senior driver in Elkins and looking for a cheap car insurance company, then consider buying insurance from the Geico. It is the cheapest auto insurance company for senior drivers with an average premium of $820 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Allstate$2,030$2,040$8,278$3,278
Auto Club Enterprises (AAA)$1,385$1,271$7,146$2,694
Auto-Owners$1,344$1,290$4,257$2,263
Farmers$1,293$1,281$6,122$1,873
Geico$883$820$3,094$1,393
Nationwide$1,275$1,225$5,176$2,408
Progressive$1,689$1,669$8,316$2,834
State Farm$1,243$1,150$3,906$2,204
Travelers$1,208$1,195$3,555$1,882
USAA$1,000$972$3,329$1,461

Cheapest car insurance companies in Elkins by driver profile

Car insurance rates in Elkins vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

To find the cheapest car insurance company in Elkins, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.

Here are some of the cheapest car insurance companies in Elkins based on driver profile.

Cheapest for a driver with poor credit: Geico

The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Elkins drivers at about $1,248 per year.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.

CompaniesAverage Annual Rates
Geico$1,248
USAA$1,871
Nationwide$2,051
Farmers$2,150
Travelers$2,214
Auto Club Entreprises$2,456
Progressive$3,031
Allstate$3,182
Auto-Owners$4,301
State Farm$6,310

Cheapest for drivers with a speeding ticket: Geico

Geico offers the cheapest auto insurance rates for drivers with a speeding ticket in Elkins. It offers full coverage car insurance for drivers age 30 at about $998 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
Geico$998
USAA$1,190
State Farm$1,315
Nationwide$1,438
Farmers$1,829
Travelers$1,865
Auto-Owners$1,924
Auto Club Entreprises$2,096
Allstate$2,365
Progressive$2,402

Cheapest auto insurance after an at-fault accident: State Farm

State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Elkins is $1,415. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.

CompaniesAverage Annual Rates
State Farm$1,415
Geico$1,418
USAA$1,459
Travelers$1,765
Farmers$1,973
Nationwide$2,267
Auto-Owners$2,395
Auto Club Entreprises$2,502
Allstate$2,977
Progressive$3,089

Cheapest auto insurance after a DUI: Geico

Geico is the carrier that offers cheap auto insurance rates in Elkins for drivers after a DUI. Its average annual rate for full coverage is $988.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.

CompaniesAverage Annual Rates
Geico$988
State Farm$1,315
Farmers$1,893
USAA$1,908
Travelers$1,916
Progressive$2,074
Auto Club Entreprises$2,486
Allstate$2,707
Auto-Owners$3,161
Nationwide$4,080

Average car insurance cost in Elkins

The average car insurance rate in Elkins for full coverage is $1,307 per year or $109 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Elkins is $361 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$1,307$361

Methodology

Insurance.com commissioned 2022 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2022.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Arkansas

Hope
$1,505/year
Hot Springs
$1,457/year
Newport
$1,373/year
Sherwood
$1,410/year
West Memphis
$1,548/year

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