Cheapest car insurance companies in Elkins
A recent data analysis by Insurance.com found the cheapest car insurance companies are Travelers and Geico in Elkins for 2023.
Travelers is the cheapest option for most Elkins drivers, with an average annual rate of $1,345 .
Car insurance costs 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.
| Companies | Average annual rates |
|---|---|
| USAA | $1,027 |
| Travelers | $1,345 |
| Geico | $1,402 |
| Nationwide | $1,515 |
| Shelter Insurance | $1,554 |
| State Farm | $1,987 |
| Southern Farm Bureau | $2,031 |
| Farmers | $2,112 |
| Allstate | $2,480 |
| Progressive | $2,523 |
Cheapest car insurance cost in Elkins by Age Group
USAA offers the cheapest full coverage car insurance for teenage drivers in Elkins, with an average annual cost of $3,428 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts.
Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance.
Among the carriers analyzed, USAA is the cheapest car insurance option for young drivers in Elkins, at $1,467 a year for a full coverage policy.
Drivers in Elkins stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. USAA has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,033 a year.
Elkins senior drivers seeking affordable car insurance should look no further than USAA. It offers the cheapest car insurance rates for seniors, with an average annual premium of $1,045. It makes USAA a good choice for seniors who want to save money without sacrificing coverage.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $3,428 | $1,467 | $1,033 | $1,045 |
| Travelers | $3,629 | $2,051 | $1,367 | $1,360 |
| Southern Farm Bureau | $4,025 | $2,928 | $2,039 | $1,877 |
| Shelter Insurance | $4,745 | $2,865 | $1,612 | $1,450 |
| Geico | $4,897 | $2,195 | $1,378 | $1,313 |
| Nationwide | $5,482 | $2,661 | $1,490 | $1,456 |
| State Farm | $5,914 | $3,382 | $2,003 | $1,925 |
| Alfa Corporation | $6,825 | $4,600 | $3,134 | $3,187 |
| Farmers | $9,375 | $2,773 | $2,018 | $2,097 |
| Allstate | $10,824 | $4,035 | $2,454 | $2,509 |
| Progressive | $10,915 | $3,940 | $2,551 | $2,390 |
Cheapest car insurance companies in Elkins by driver profile
Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Elkins. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.
Comparison shopping is the key to getting the cheapest car insurance rates in Elkins. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.
Here's a list of car insurance companies that offer cheap insurance rates in Elkins based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: Geico
- Cheapest for accident: State Farm
- Cheapest for DUI: Geico
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 $1,360 per year.
The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores.
| Company | Average annual rates |
|---|---|
| Geico | $1,360 |
| USAA | $1,850 |
| Nationwide | $2,068 |
| Travelers | $2,183 |
| Farmers | $2,229 |
| Progressive | $3,020 |
| Allstate | $3,179 |
| State Farm | $6,310 |
Cheapest for drivers with a speeding ticket: Geico
Geico has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Elkins. Its full coverage car insurance policy costs an average of $1,201 per year for drivers aged 30.
Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.
| Company | Average annual premium |
|---|---|
| Geico | $1,201 |
| USAA | $1,239 |
| State Farm | $1,315 |
| Travelers | $1,899 |
| Farmers | $1,958 |
| Nationwide | $2,123 |
| Allstate | $2,419 |
| Progressive | $2,458 |
Cheapest auto insurance after an at-fault accident: State Farm
If you've had an accident, State Farm might be your best bet for affordable auto insurance.
For Elkins drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $1,415. It's a great option if you're looking for affordable coverage that won't break the bank.
After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.
| Company | Average annual rates |
|---|---|
| State Farm | $1,415 |
| USAA | $1,690 |
| Geico | $1,757 |
| Travelers | $1,848 |
| Farmers | $2,223 |
| Nationwide | $2,480 |
| Allstate | $3,229 |
| Progressive | $3,337 |
Cheapest auto insurance after a DUI: Geico
In Elkins, Geico has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,092 a year.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average annual rates |
|---|---|
| Geico | $1,092 |
| State Farm | $1,315 |
| USAA | $1,987 |
| Travelers | $2,279 |
| Farmers | $2,332 |
| Progressive | $2,553 |
| Allstate | $3,221 |
| Nationwide | $5,255 |
Average car insurance cost in Elkins
Full coverage car insurance in Elkins for a coverage limit of 100/300/100 is $1,797 per year or $150 per month, while the state minimum coverage costs an average of $428 a year.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,797 | $428 |
Methodology
Insurance.com commissioned 2023 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 2023.
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. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
