Elk County Auto Insurance Rates, Quotes, Agents & Reviews in PA

Elk County, PA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Elk County, PA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Elk County, PA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Elk County, PA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Elk County, PA with that of other cities in and around Elk County.

Elk County St. Marys Johnsonburg Horton Ridgway Kersey
Average Insurance Rates $1,378 $1,392 $1,337 $1,373 $1,357 $1,374

Elk County, PA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Elk County, PA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Elk County $1,473 $1,244
Ridgway $1,285 $1,086
Johnsonburg $2,070 $1,749
Kersey $1,083 $914
St. Marys $1,953 $1,650
Fox $1,499 $1,266
Horton $1,233 $1,041
Wilcox $1,358 $1,147

Elk County, PA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Elk County, PA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,471
20 Years $1,771
30 Years $1,364
40 Years $1,312
50 Years $1,215
60 Years $1,232
70 Years $1,434

Elk County, PA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Elk County, PA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,370 $386
3 Vehicles $3,555 $579
4 Vehicles $4,740 $772

Savings on 2 Vehicles bundle:$386

Savings on 3 Vehicles bundle:$579

Savings on 4 Vehicles bundle:$772


Elk County, PA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Elk County, PA.

Location Average Insurance Cost Post DUI Insurance Rate
Elk County $1,378 $2,169
Ridgway $1,357 $2,136
Johnsonburg $1,337 $2,105
Kersey $1,374 $2,163
St. Marys $1,392 $2,191
Fox $1,398 $2,201
Horton $1,373 $2,161
Wilcox $1,352 $2,128

Elk County, PA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,182
Excellent (740-799) $1,350
Good (670-739) $1,436
Average (580-669) $1,873
Poor (300-579) $2,248

Elk County, PA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
James E Borst And Associates Inc. Erie 225 South Street, Ridgway, 15853 None
Ed Mazary State Farm 236 Brusselles St, Saint Marys, 15857-1566 814-781-6611
Smith-Keats Agency Erie 409 Center Street, Johnsonburg, 15845 None
Burns & Burns Allstate 800 Center-Main St, Clarion, 16214 (814) 226-8041
Shields Insurance Agency Travelers 221 W Mahoning St, Punxsutawney, 15767 None
Siegel Insurance Inc Erie 327 W Main Street, Clarion, 16214 None

Elk County, PA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$61 $1,439
Driver's Failure In Showing Documents +$134 $1,512
Driving With An Expired Registration +$142 $1,520
Driving At A Considerably Slow Pace +$299 $1,677
Using A Cellphone While Driving +$316 $1,694
Running A Red Light +$321 $1,699
Speeding +$338 $1,716
Driving A Vehicle Without The Required Permission +$429 $1,807
Driving With An Expired/Suspended License +$929 $2,307

Elk County, PA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,323
Active Disabling Device $1,323
Tracking Device $1,295
Passive Disabling Device $1,282