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Get Cheap Car Insurance in Elmhurst, Providence, RI

We monitor insurance prices, helping the average driver in Elmhurst save up to 41.3% on car insurance.

 

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The Cheapest Minimum Coverage in Elmhurst

The chart below shows the cheapest car insurance company in Elmhurst 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 Safeco Insurance, followed by Geico, Progressive, and Midvale Home & Auto.

 
Elmhurst Insurer Monthly Cost
Safeco Insurance $86
Geico $110
Progressive $129
Midvale Home & Auto $135

Savings for Every Kind of Elmhurst Driver

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

Based on our extensive insurance data, we know the average Elmhurst driver will save about 33% 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 $819 per year by choosing the right vehicle insurance company. Some Elmhurst residents are paying out over $2,462 extra every year for auto insurance in Elmhurst. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Elmhurst, Providence, RI Savings / Yr.
Drivers with good records
$819
Drivers with accidents
$989
Drivers with speeding tickets
$1,090
Drivers with a DUI conviction
$1,844
Young drivers
$3,834
Married drivers
$280
Drivers with bad credit
$830

Elmhurst Car Insurance vs. Providence

People living in Elmhurst pay an average of 10.55% more than the typical driver in the state. The average driver in Elmhurst can expect to pay about $1,507 per year, or $2,462 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Elmhurst for most people.

Car Insurance Prices by Elmhurst Neighborhood

Elmhurst, Providence, RI 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 Elmhurst?

The map shows insurance prices in and around Elmhurst, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $446 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,707 to a low of $2,261. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the East parts of Elmhurst.

Pick the Best Car Insurance Company for You in Elmhurst

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 Elmhurst insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Elmhurst

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $819 over the average Elmhurst car insurance company.

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We use the average good driver, paying $137 per month, as our baseline for pricing in Elmhurst. State Farm, Travelers, and Safeco Insurance 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 Elmhurst drivers with accidents on their records

In Elmhurst getting into an accident will raise premiums an average 25% for a yearly cost of $3,297. That's $835 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, Travelers, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, Safeco Insurance saved the average person who had been in an accident the most, with annual savings averaging $989 over the competition.

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The best car insurance company for Elmhurst drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $1,090 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 Elmhurst, tickets raise premiums on new quotes about $763. If you have a speeding ticket, we recommend State Farm, Travelers, and Safeco Insurance for savings that beat the average insurance cost of $3,225 per year.

The best auto insurance for Elmhurst drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,462 per year in auto insurance premiums, which was $2,000 more than a driver with no major issues. State Farm, Progressive, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $1,844 less each year.

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

In Elmhurst, State Farm costs young drivers $3,834 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 75% more for insurance than more mature drivers in Elmhurst. With an average cost of $9,773 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 Allstate 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 Elmhurst

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $155. Geico, Progressive, and Nationwide provided the largest discounts to couples living in Elmhurst.

Geico gave the largest car insurance discounts to married couples, averaging $280 saved each year compared to an average Elmhurst couple's premiums.

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The cheapest car insurance in Elmhurst for drivers with bad credit

People with poor credit saved an average of $830 with State Farm.

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Many people are surprised that their poor credit score can cost them an average of $1,433 every year. Premiums for people with poor credit were about $3,895 in Elmhurst. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Travelers.

The best Elmhurst car insurance company for customer service

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

Amica was the best company for customer service in Elmhurst 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 Elmhurst, 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 Elmhurst. 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 Elmhurst

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 43% of Elmhurst residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Elmhurst driver can expect to pay about $124 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 Elmhurst, USAA has the best prices for drivers with a DUI conviction, drivers with speeding tickets, drivers with bad credit, drivers with accidents, young drivers, married couples, and good drivers.
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Auto Insurance Prices in and Around Elmhurst

What Influences the Cost of Car Insurance in Elmhurst?

On average, car insurance in Elmhurst 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 neighborhood are influenced by the following factors:

  • The average commute time in Elmhurst is 28 minutes, which is a little less than average for a driver in the city.
  • Rhode Island state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Elmhurst are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
  • Elmhurst is a fairly densely populated area in the state. The neighborhood’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 Elmhurst is $126 per month for minimum coverage and $205 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Elmhurst driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Elmhurst 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.