Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Elk Horn, IA
We monitor insurance prices, helping the average driver in Elk Horn save up to 33.2% on car insurance.
The Cheapest Minimum Coverage in Elk Horn
The chart below shows the cheapest car insurance company in Elk Horn 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 IMT Insurance, Auto-Owners Insurance, and Farm Bureau.
| Elk Horn Insurer | Monthly Cost |
|---|---|
| State Farm | $27 |
| IMT Insurance | $28 |
| Auto-Owners Insurance | $29 |
| Farm Bureau | $30 |
Savings for Every Kind of Elk Horn Driver
Based on our extensive insurance data, we know the average Elk Horn driver will save about 22% 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 $268 per year by choosing the right vehicle insurance company. Some Elk Horn residents are paying out over $1,225 extra every year for auto insurance in Elk Horn. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Elk Horn, IA Savings / Yr. |
|---|---|
$268 |
|
$373 |
|
$318 |
|
$428 |
|
$1,120 |
|
$369 |
|
$565 |
Elk Horn Car Insurance vs. Iowa
People living in Elk Horn pay an average of 1.94% less than the typical driver in the state. The average driver in Elk Horn can expect to pay about $481 per year, or $1,225 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Elk Horn for most people.
Car Insurance Prices by Elk Horn Neighborhood
Insurance Prices
Where is insurance cheapest within Elk Horn?
The map shows insurance prices in and around Elk Horn, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $40 per year within the city boundaries, with insurance premiums ranging from a high of $1,260 to a low of $1,220. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Central parts of Elk Horn.Pick the Best Car Insurance Company for You in Elk Horn
The best car insurance provider for most drivers in Elk Horn
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $268 over the average Elk Horn car insurance company.
The best car insurance provider for Elk Horn drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $373 over the competition.
The best car insurance company for Elk Horn drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $318 better than other car insurance companies.
The best auto insurance for Elk Horn drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $428 less each year.
The least expensive car insurance company for new and young drivers in Elk Horn
In Elk Horn, IMT Insurance costs young drivers $1,120 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Elk Horn
State Farm gave the largest car insurance discounts to married couples, averaging $369 saved each year compared to an average Elk Horn couple's premiums.
The cheapest car insurance in Elk Horn for drivers with bad credit
The best Elk Horn car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Elk Horn, which was better than other insurers.
The cheapest large national provider in Elk Horn
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Elk Horn driver can expect to pay about $81 per month.
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 Horn, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and young drivers.Auto Insurance Prices in and Around Elk Horn
What Influences the Cost of Car Insurance in Elk Horn?
On average, car insurance in Elk Horn is actually less expensive than the rest of the state. These low 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 city are influenced by the following factors:
- The average commute time in Elk Horn is 24 minutes, which is a little less than average for a driver in the state.
- Iowa 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 Horn are lower than average 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 C- according to CrimeGrade.org.
- Elk Horn is a fairly densely populated area in the state. The city’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 Horn is $40 per month for minimum coverage and $102 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 Cities
- Kimballton: Insurance costs 0.57% more
- Jacksonville: Insurance costs 1.71% more
- Sharon: Insurance costs 0.73% more
- Brayton: Insurance costs 2.61% more
- Red Line: Insurance costs 0.41% more
- Lorah: Insurance costs 2.45% more
- Marne: Insurance costs 1.71% more
- Walnut: Insurance costs 0.24% more
- Exira: Insurance costs 0.90% more
- Hamlin: Insurance costs 0.41% more
Cities with Similar Populations
- Powell: Insurance costs 45.22% more
- Mehoopany: Insurance costs 11.76% more
- Meldrum: Insurance costs 31.67% more
- Mellen: Insurance costs 4.08% less
- Melmore: Insurance costs 13.22% less
- Metcalfe: Insurance costs 39.76% more
- Midway: Insurance costs 29.06% more
- Milo: Insurance costs 42.86% more
- Mirror Lake: Insurance costs 2.20% less
- Mitchell: Insurance costs 43.10% more