Best Cheap Auto Insurance in Elk City, KS (2021)

The average Elk City, KS auto insurance rates are $275 per month. The minimum auto insurance in Elk City is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Elk City, Kansas, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Elk City, Kansas is 25/50/25
  • The average commute length in Elk City is 22.8 minutes
  • Average auto insurance rates in Elk City, KS for senior drivers are $1,927 per year

Elk City, Kansas auto insurance requirements are 25/50/25 according to Kansas auto insurance laws. Finding cheap auto insurance in Elk City can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Elk City, Kansas, including driving record, credit, commute time, and more.

Compare auto insurance in Elk City to other Kansas cities, including Olathe auto insurance rates, Manhattan auto insurance rates, and Overland Park auto insurance rates to see how Elk City, Kansas auto insurance rates stack up.

Before you buy Elk City, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Elk City, Kansas auto insurance quotes.

Minimum Auto Insurance in Elk City, Kansas

Elk City, Kansas auto insurance laws require that you have at least the Kansas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Elk City, Kansas.

Minimum Required Auto 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

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Cheap Elk City, Kansas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Elk City, Kansas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Elk City, Kansas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Elk City, Kansas is a challenge. Take a look at the annual teen auto insurance rates in Elk City, Kansas.

Annual Auto 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

Cheap Elk City, Kansas Auto Insurance for Seniors

What are senior auto insurance rates in Elk City, Kansas? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Elk City, Kansas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Elk City, Kansas compared to the annual auto insurance rates with a clean record in Elk City, Kansas.

Annual Elk City, Kansas Auto 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

Cheap Elk City, Kansas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Elk City, Kansas is not easy. Compare the annual rates for DUI auto insurance in Elk City, Kansas to find the best deal.

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

Insurance Company Annual Auto 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

Cheap Elk City, Kansas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Elk City, Kansas annual auto insurance rates by credit history compare.

Annual Auto 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

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Cheap Elk City, Kansas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Elk City, Kansas can vary. Compare the annual cost of auto insurance by ZIP code in Elk City, Kansas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Elk City, Kansas

ZIP Code Average Annual Rates
67344 $3,477

Cheap Elk City, Kansas Auto Insurance Rates By Commute

Commute length and annual mileage affect Elk City, Kansas auto insurance. Find the cheapest annual Elk City, Kansas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Elk City, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Elk City, Kansas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Elk City, Kansas? Check out the comparison of annual Elk City, Kansas auto insurance rates by coverage level.

Annual Auto 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

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Best By Category: Cheapest Auto Insurance in Elk City, Kansas

Compare the cheapest auto insurance companies in Elk City, Kansas in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

The Cheapest Elk City, Kansas Auto Insurance Companies

What auto insurance companies in Elk City, Kansas are the cheapest? Compare the top Elk City, Kansas auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Elk City, Kansas?

There are a lot of reasons why auto insurance rates in Elk City, Kansas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Elk City, Kansas. Many local factors may affect your Elk City auto insurance rates.

Elk City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Elk City, Kansas commute length is 22.8 minutes according to City-Data.

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Compare Elk City, Kansas Auto Insurance Quotes

Before you buy Elk City, Kansas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Elk City, Kansas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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