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Get Cheap Car Insurance in Elk County, KS

We monitor insurance prices, helping the average driver in Elk County save up to 29.5% on car insurance.

 

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The Cheapest Minimum Coverage in Elk County

The chart below shows the cheapest car insurance company in Elk County for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Kemper, Farm Bureau, and Travelers.

 
Elk County Insurer Monthly Cost
State Farm $52
Kemper $54
Farm Bureau $56
Travelers $57

Savings for Every Kind of Elk County Driver

The table shows how much the average auto insurance customer in Elk County might save by following our recommendations.

Based on our extensive insurance data, we know the average Elk County driver will save about 24% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $371 per year by choosing the right vehicle insurance company. Some Elk County residents are paying out over $1,566 extra every year for auto insurance in Elk County. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Elk County, KS Savings / Yr.
Drivers with good records
$371
Drivers with accidents
$591
Drivers with speeding tickets
$422
Drivers with a DUI conviction
$691
Young drivers
$1,349
Married drivers
$344
Drivers with bad credit
$751

Elk County Car Insurance vs. Kansas

People living in Elk County pay an average of 0.04% more than the typical driver in the state. The average driver in Elk County can expect to pay about $843 per year, or $1,566 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Elk County for most people.

Car Insurance Prices by Elk County Neighborhood

Elk County, KS map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Elk County?

The map shows insurance prices in and around Elk County, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $27 per year within the county boundaries, with insurance premiums ranging from a high of $1,580 to a low of $1,553. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the East parts of Elk County.

Pick the Best Car Insurance Company for You in Elk County

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Elk County insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Elk County

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $371 over the average Elk County car insurance company.

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We use the average good driver, paying $100 per month, as our baseline for pricing in Elk County. Geico, Kemper, and Midvale Home & Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Elk County drivers with accidents on their records

In Elk County getting into an accident will raise premiums an average 33% for a yearly cost of $2,335. That's $769 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Kemper, and American Family Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $591 over the competition.

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The best car insurance company for Elk County drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $422 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Elk County, tickets raise premiums on new quotes about $391. If you have a speeding ticket, we recommend Geico, Dairyland, and Kemper for savings that beat the average insurance cost of $1,957 per year.

The best auto insurance for Elk County drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,522 per year in auto insurance premiums, which was $956 more than a driver with no major issues. Travelers, Dairyland, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from Dairyland may cost the average person with a DUI about $691 less each year.

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The least expensive car insurance company for new and young drivers in Elk County

In Elk County, Geico costs young drivers $1,349 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 67% more for insurance than more mature drivers in Elk County. With an average cost of $4,706 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and American Family Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Elk County

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $87. State Farm, Progressive, and American Family Insurance provided the largest discounts to couples living in Elk County.

State Farm gave the largest car insurance discounts to married couples, averaging $344 saved each year compared to an average Elk County couple's premiums.

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The cheapest car insurance in Elk County for drivers with bad credit

People with poor credit saved an average of $751 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $984 every year. Premiums for people with poor credit were about $2,550 in Elk County. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Dairyland.

The best Elk County car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Elk County, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Elk County.

Nationwide was the best company for customer service in Elk County according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Elk County, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Elk County. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Elk County

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 18% of Elk County residents who are renting, and don't plan to be in the county or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Elk County driver can expect to pay about $100 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Elk County, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, drivers with a DUI conviction, and married couples.
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Auto Insurance Prices in and Around Elk County

What Influences the Cost of Car Insurance in Elk County?

On average, car insurance in Elk County is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the county are influenced by the following factors:

  • The average commute time in Elk County is 36 minutes, which is far more than average for a driver in the state.
  • Kansas state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Elk County are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Elk County is a fairly densely populated area in the state. The county’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Elk County is $70 per month for minimum coverage and $130 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Counties

Counties with Similar Populations

* Who is the average Elk County driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Elk County with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.