Compare Elk City, ID Car Insurance Rates (2021)

Car insurance in Elk City, ID averages $239 a month. Elk City, Idaho car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Elk City car insurance rates, compare quotes from the top car insurance companies in Elk City, ID.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Elk City for teen drivers is State Farm
  • The cheapest car insurance company in Elk City is State Farm
  • Average car insurance rates in Elk City, ID after a DUI are $3,557/year

If you need to buy Elk City, Idaho car insurance, the options can be confusing. Everything you need to know about car insurance in Elk City, ID is right here.

You’ll find Elk City car insurance rates, the cheapest Elk City, ID car insurance companies, and information on Idaho car insurance laws. You can also compare Elk City, Idaho car insurance rates to Coeur d’Alene car insurance rates, Idaho Falls car insurance rates, and Lewiston car insurance rates.

Ready to find affordable Elk City, ID car insurance today? Enter your ZIP code for fast, free Elk City car insurance quotes.

Cheapest Elk City, ID Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Elk City, ID car insurance rates? Every Elk City, Idaho car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Elk City, Idaho

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,224 $2,213 $1,936 $2,006 $8,079 $9,334 $2,485 $2,629
American Family $2,088 $2,088 $1,859 $1,859 $7,355 $9,596 $2,088 $2,629
Farmers $1,664 $1,651 $1,470 $1,552 $7,947 $8,215 $1,922 $2,035
GEICO $2,016 $1,991 $1,919 $1,863 $4,278 $5,328 $2,718 $2,106
Liberty Mutual $1,426 $1,538 $1,158 $1,290 $4,493 $4,992 $1,515 $1,606
Nationwide $1,953 $2,004 $1,758 $1,869 $4,758 $5,894 $2,281 $2,460
State Farm $1,174 $1,174 $1,055 $1,055 $3,472 $4,376 $1,324 $1,529
Travelers $1,336 $1,358 $1,339 $1,333 $6,497 $10,243 $1,419 $1,634
USAA $1,173 $1,178 $1,137 $1,126 $3,833 $4,295 $1,557 $1,687

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Minimum Car Insurance in Elk City, ID

Every driver must carry the minimum car insurance in Elk City, ID. Take a look at the Idaho car insurance requirements.

Minimum Required Car Insurance Coverage in Elk City, Idaho

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Elk City, ID Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Elk City, ID. Compare credit history car insurance rates in Elk City from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Elk City, Idaho

Insurance Company Poor Fair Good
Allstate $5,096 $3,465 $3,028
American Family $4,776 $3,404 $2,905
Farmers $3,735 $3,163 $3,023
GEICO $3,377 $2,696 $2,260
Liberty Mutual $3,217 $1,974 $1,565
Nationwide $3,437 $2,761 $2,418
State Farm $2,662 $1,683 $1,340
Travelers $3,603 $3,029 $2,803
USAA $2,941 $1,695 $1,359

Cheapest Elk City, ID Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Elk City, ID to rates for a clean record with top companies.

Annual Elk City, Idaho Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,192 $4,005 $4,474 $3,782
American Family $2,917 $4,122 $4,444 $3,299
Farmers $2,891 $3,656 $3,416 $3,264
GEICO $1,704 $2,720 $3,808 $2,879
Liberty Mutual $1,871 $2,340 $2,420 $2,378
Nationwide $2,184 $2,847 $3,997 $2,460
State Farm $1,730 $2,059 $1,895 $1,895
Travelers $1,949 $2,763 $4,782 $3,086
USAA $1,433 $2,042 $2,781 $1,737

Cheapest Elk City, ID Car Insurance for Teen Drivers

Teen car insurance in Elk City, ID can be expensive. Take a look at rates from the top car insurance companies in Elk City for teenagers.

Annual Car Insurance Rates for Teen Drivers in Elk City, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,079 $9,334
American Family $7,355 $9,596
Farmers $7,947 $8,215
GEICO $4,278 $5,328
Liberty Mutual $4,493 $4,992
Nationwide $4,758 $5,894
State Farm $3,472 $4,376
Travelers $6,497 $10,243
USAA $3,833 $4,295

Cheapest Elk City, ID Car Insurance for Seniors

Take a look at Elk City, ID senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Elk City, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,936 $2,006
American Family $1,859 $1,859
Farmers $1,470 $1,552
GEICO $1,919 $1,863
Liberty Mutual $1,158 $1,290
Nationwide $1,758 $1,869
State Farm $1,055 $1,055
Travelers $1,339 $1,333
USAA $1,137 $1,126

Cheapest Elk City, ID Car Insurance Rates After a DUI

A DUI in Elk City, ID increases car insurance rates. Compare Elk City, Idaho DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Elk City, Idaho

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,474
American Family $4,444
Farmers $3,416
GEICO $3,808
Liberty Mutual $2,420
Nationwide $3,997
State Farm $1,895
Travelers $4,782
USAA $2,781

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Cheapest Elk City, ID Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Elk City, ID by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Elk City, Idaho

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,863 $3,863
American Family $3,619 $3,771
Farmers $3,307 $3,307
GEICO $2,730 $2,825
Liberty Mutual $2,252 $2,252
Nationwide $2,872 $2,872
State Farm $1,850 $1,940
Travelers $3,145 $3,145
USAA $1,974 $2,022

The Best Cheap Car Insurance Companies in Elk City, ID

Take a look at a side-by-side comparison of the top car insurance companies in Elk City, ID to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Elk City, Idaho

Insurance Company Average Annual Rates
Allstate $3,863
American Family $3,695
Farmers $3,307
GEICO $2,778
Liberty Mutual $2,252
Nationwide $2,872
State Farm $1,895
Travelers $3,145
USAA $1,998

Category Winners: Cheapest Car Insurance in Elk City, Idaho

Find the cheapest car insurance companies in Elk City, ID for each category right here.

Best Annual Car Insurance Rates by Company in Elk City, Idaho

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Elk City, ID Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Elk City car insurance rates. Find the cheapest Elk City, ID car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Elk City, Idaho

Insurance Company Low Medium High
Allstate $3,724 $3,856 $4,010
American Family $3,705 $3,879 $3,502
Farmers $3,161 $3,274 $3,486
GEICO $2,640 $2,773 $2,920
Liberty Mutual $2,141 $2,249 $2,367
Nationwide $2,850 $3,016 $2,750
State Farm $1,794 $1,898 $1,992
Travelers $3,104 $3,191 $3,140
USAA $1,949 $1,995 $2,050

Compare Car Insurance Quotes in Elk City, ID

Ready to find affordable Elk City, Idaho car insurance today? Enter your ZIP code for fast, free Elk City, ID car insurance quotes.

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