Compare Elk City, KS Car Insurance Rates (2021)

Car insurance in Elk City, KS averages $275 a month. Elk City, Kansas car insurance requirements are 25/50/25, 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, KS.

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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

  • Average car insurance rates in Elk City, KS are $3,303/year
  • The cheapest car insurance company in Elk City for teen drivers is American Family
  • Average car insurance rates in Elk City, KS after a DUI are $3,956/year

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

You’ll find Elk City car insurance rates, the cheapest Elk City, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Elk City, Kansas car insurance rates to Salina car insurance rates, Manhattan car insurance rates, and Topeka car insurance rates.

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

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

How do age, gender, and marital status affect Elk City, KS car insurance rates? Every Elk City, Kansas 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, Kansas

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 $2,751 $2,688 $2,443 $2,516 $7,339 $8,181 $2,850 $2,966
American Family $1,675 $1,675 $1,513 $1,513 $3,256 $3,908 $1,675 $1,885
Farmers $2,505 $2,488 $2,238 $2,336 $6,764 $7,006 $2,824 $2,975
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,256 $2,436 $2,161 $2,409 $10,590 $11,823 $2,458 $2,658
Nationwide $1,723 $1,777 $1,535 $1,654 $3,569 $4,377 $2,008 $2,138
Progressive $2,403 $2,293 $1,938 $2,020 $8,761 $9,892 $2,837 $3,039
State Farm $1,748 $1,748 $1,534 $1,534 $4,691 $5,980 $1,965 $2,218
Travelers $1,965 $2,001 $1,901 $1,930 $7,768 $12,093 $2,007 $2,383
USAA $1,437 $1,469 $1,313 $1,333 $4,807 $5,062 $1,895 $1,989

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Minimum Car Insurance in Elk City, KS

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

Minimum Required Car Insurance Coverage in Elk City, Kansas

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

Cheapest Elk City, KS Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Elk City, KS. 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, Kansas

Insurance Company Poor Fair Good
Allstate $4,921 $3,728 $3,252
American Family $2,791 $1,974 $1,647
Farmers $4,292 $3,413 $3,220
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,599 $4,599 $4,599
Nationwide $2,602 $2,298 $2,142
Progressive $4,762 $3,994 $3,687
State Farm $3,898 $2,330 $1,804
Travelers $4,639 $3,765 $3,614
USAA $3,299 $2,163 $1,778

Cheapest Elk City, KS 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, KS to rates for a clean record with top companies.

Annual Elk City, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,437 $3,999 $4,588 $3,843
American Family $2,100 $2,250 $2,100 $2,100
Farmers $3,071 $3,947 $3,848 $3,702
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,458 $5,223 $5,128 $4,587
Nationwide $1,769 $2,032 $3,568 $2,021
Progressive $3,832 $4,482 $4,002 $4,276
State Farm $2,482 $2,873 $2,677 $2,677
Travelers $2,937 $3,810 $5,235 $4,042
USAA $1,765 $2,373 $3,494 $2,020

Cheapest Elk City, KS Car Insurance for Teen Drivers

Teen car insurance in Elk City, KS 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, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,339 $8,181
American Family $3,256 $3,908
Farmers $6,764 $7,006
GEICO $4,439 $5,960
Liberty Mutual $10,590 $11,823
Nationwide $3,569 $4,377
Progressive $8,761 $9,892
State Farm $4,691 $5,980
Travelers $7,768 $12,093
USAA $4,807 $5,062

Cheapest Elk City, KS Car Insurance for Seniors

Take a look at Elk City, KS 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, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,443 $2,516
American Family $1,513 $1,513
Farmers $2,238 $2,336
GEICO $2,443 $2,273
Liberty Mutual $2,161 $2,409
Nationwide $1,535 $1,654
Progressive $1,938 $2,020
State Farm $1,534 $1,534
Travelers $1,901 $1,930
USAA $1,313 $1,333

Cheapest Elk City, KS Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,588
American Family $2,100
Farmers $3,848
GEICO $4,922
Liberty Mutual $5,128
Nationwide $3,568
Progressive $4,002
State Farm $2,677
Travelers $5,235
USAA $3,494

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Cheapest Elk City, KS Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Elk City, KS 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, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,967 $3,967
American Family $2,110 $2,165
Farmers $3,642 $3,642
GEICO $3,027 $3,159
Liberty Mutual $4,599 $4,599
Nationwide $2,348 $2,348
Progressive $4,148 $4,148
State Farm $2,610 $2,745
Travelers $4,006 $4,006
USAA $2,341 $2,485

The Best Cheap Car Insurance Companies in Elk City, KS

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

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

Insurance Company Average Annual Rates
Allstate $3,967
American Family $2,137
Farmers $3,642
GEICO $3,093
Liberty Mutual $4,599
Nationwide $2,348
Progressive $4,148
State Farm $2,677
Travelers $4,006
USAA $2,413

Category Winners: Cheapest Car Insurance in Elk City, Kansas

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

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

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI American Family
With 1 Speeding Violation USAA

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Cheapest Elk City, KS 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, KS car insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $3,851 $3,958 $4,091
American Family $2,158 $2,245 $2,008
Farmers $3,495 $3,621 $3,810
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,489 $4,588 $4,719
Nationwide $2,468 $2,321 $2,254
Progressive $3,919 $4,116 $4,408
State Farm $2,576 $2,685 $2,772
Travelers $3,813 $4,011 $4,194
USAA $2,328 $2,406 $2,504

What affects car insurance rates in Elk City, Kansas?

What factors can have an impact on Elk City, KS car insurance? There are several reasons why Elk City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Elk City, Kansas.

Commute Time in Elk City

The more time you spend in your car the higher the risk of an accident. The average commute length in Elk City, KS is 22.8 minutes according to City-Data.

Compare Car Insurance Quotes in Elk City, KS

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

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