Cheapest Car Insurance Quotes in Sublette

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Sublette Car Insurance

^$ 31

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Sublette

The car insurance rate in Sublette is $1169 for a six-month policy, which is $116 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $488, making it a popular choice for budget-conscious drivers. Rates in Sublette can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Sublette

$1169

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Sublette

1st place: American Family

At $488 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $514 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $818 for six months, making it the third cheapest auto insurance company in Sublette.

Sublette Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sublette, KS is American Family, offering policies at just $488 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $514.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2130 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sublette drivers find the best deals.

Cheap Car Insurance Companies in Sublette, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$488	$81
Auto-Owners Insurance Co	$514	$88
USAA	$818	$138
Travelers	$837	$141
Shelter	$1022	$172
Auto-Owners	$1088	$185
State Farm	$1207	$203
Nationwide	$1260	$212
Farmers	$1319	$222
Progressive	$1345	$226
Encompass	$1397	$233
Allstate	$1774	$299
Farm Bureau	$2130	$355

Key Takeaways

Way's key takeaways about car insurance in Sublette

The auto insurance costs in Sublette fall around $488 for six months.
The cheapest auto insurance company in Sublette is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Sublette at $1247 per month.

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Cheapest Minimum Liability Car Insurance in Sublette

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Sublette are given below.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Sublette. Their Average 6 Month Premium is $184. Encompass is the most expensive at $264 for the same period.

Cheapest Liability Coverage in Sublette, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$184	$31
USAA	$184	$31
Iowa Farm Bureau	$231	$39
Farmers Union Insurance	$244	$41
American Family	$258	$43
Travelers	$258	$43
Auto-Owners	$264	$44
Electric	$264	$44
Kansas Farm Bureau	$276	$47
State Farm	$310	$52
Progressive	$350	$59
Shelter	$356	$60
Farm Bureau	$448	$77
Farmers	$495	$83
Allstate	$646	$109
Nationwide	$785	$131
Encompass	$264	$44

Cheapest Full Coverage Car Insurance in Sublette

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Sublette is American Family at $81 per month and $488 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sublette, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$488	$81
Auto-Owners Insurance Co	$514	$88
USAA	$818	$138
Travelers	$837	$141
Shelter	$1022	$172
Auto-Owners	$1088	$185
State Farm	$1207	$203
Nationwide	$1260	$212
Farmers	$1319	$222
Progressive	$1345	$226
Encompass	$1397	$233
Allstate	$1774	$299
Farm Bureau	$2130	$355

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Average Car Insurance in Sublette by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Sublette, KS increasing?

Despite maintaining a clean driving record, your car insurance rates in Sublette, Kansas, may be increasing due to several external factors. Kansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Sublette's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Sublette

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Nationwide	$833
30s	Nationwide	$715
40s	Nationwide	$579
50s	Nationwide	$531
60s	Nationwide	$506
70s	Nationwide	$548

Cheapest Car Insurance Rates for Teen Drivers in Sublette,KS

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Sublette at $41 per month. At $7477 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$244	$41
Iowa Farm Bureau	$271	$46
Farmers Union Insurance	$283	$48
American Family	$310	$52
Kansas Farm Bureau	$363	$62
Travelers	$942	$159
USAA	$1602	$270
State Farm	$2617	$441
Shelter	$2914	$491
Progressive	$3020	$508
Farmers	$3178	$535
Farm Bureau	$4523	$754
Allstate	$5288	$890
Nationwide	$7477	$1247

Teen Car Insurance Rates in KS by Age

Way Tip

If you are in your twenties Nationwide is the best choice for car insurance in Sublette.

As young drivers face the highest rates in Sublette, Nationwide offers the cheapest auto insurance rates at $833 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Sublette, American Family is the cheapest car insurance provider. At $435 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Sublette is State Farm, offering rates of around $6764 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$435	$74
Iowa Farm Bureau	$442	$73
Farmers Union Insurance	$448	$77
Travelers	$1042	$175
USAA	$1193	$203
Shelter	$1444	$243
Progressive	$1477	$249
Nationwide	$1655	$279
Farmers	$1760	$296
Allstate	$3072	$512
Farm Bureau	$3909	$665
State Farm	$6764	$1128

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Save up to $971/yr on car insurance rates in Sublette.

Car Insurance Rates with An Accident in Sublette

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Sublette, KS, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Sublette

The cheapest car insurance companies after an at-fault accident in Sublette include AutoOwners Insurance Co and American Family, offering $224 and $258, respectively. Encompass is an expensive provider with an average six-month premium of $363.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$224	$38
American Family	$258	$43
Electric	$316	$53
Iowa Farm Bureau	$356	$61
Farmers Union Insurance	$376	$62
Auto-Owners	$395	$68
Kansas Farm Bureau	$501	$83
USAA	$679	$114
Travelers	$686	$115
State Farm	$798	$134
Shelter	$1128	$190
Progressive	$1444	$243
Farmers	$2400	$404
Allstate	$2671	$450
Farm Bureau	$2868	$478
Nationwide	$3666	$624
Encompass	$363	$62

Sublette Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sublette KS. For example, the car insurance in Sublette after a DUI increases to $1128 for a six month policy. While the rate increases by $251 for a six-month policy in the case of a speeding ticket.

Sublette auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1292	$215
One Med/PIP claim	$1292	$220
Not-at-fault accident	$1325	$221
Two Med/PIP claims	$1384	$235
One comp claim	$1391	$232
Failure to show documents	$1431	$243
Two comp claims	$1444	$241
Failure to wear a seat belt	$1457	$248
Child safety restraint	$1496	$250
Driving with expired registration	$1496	$254
Driving without lights	$1496	$250
Speeding 6 - 10 MPH over limit	$1543	$262
Cell phone violation	$1563	$261
Driving too slowly	$1563	$265
Texting while driving	$1563	$261
Failure to yield	$1576	$268
Following too closely	$1576	$263
Illegal turn	$1576	$268
Wrong way/wrong lane	$1576	$263
In 65 MPH zone	$1583	$269
Speeding 11 - 15 MPH over limit	$1583	$264
Failure to stop at a red light	$1590	$270
Improper passing	$1590	$265
Speeding in school zone	$1590	$270
Speeding 16 - 20 MPH over limit	$1595	$266
Open container	$1608	$273
Operating a vehicle without permission	$1622	$271
Passing school bus	$1635	$278
Speeding 21 - 25 MPH over limit	$1635	$273
At-fault accident - less than $1000	$1655	$282
At-fault accident - $1000-$2000	$1826	$304
At-fault accident - greater than $2000	$1826	$311
Racing	$2018	$336
Reckless driving	$2189	$372
Driving with a suspended license	$2373	$395
Refusal to submit to a chemical test	$2400	$408
DUI	$2420	$403
Leaving scene of an accident/hit and run	$2519	$428

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Sublette after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Sublette.

The cheapest car insurance premiums in Sublette are offered by American Family at $296 for a six-month policy. However, it can be as expensive as $5037 with companies like Farm Bureau.

Sublette car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$296	$50
Farmers Union Insurance	$435	$74
Travelers	$718	$121
Progressive	$924	$155
State Farm	$1173	$198
USAA	$1233	$208
Farmers	$1583	$266
Shelter	$1642	$276
Allstate	$2216	$373
Nationwide	$5004	$851
Farm Bureau	$5037	$839

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Sublette are offered by Iowa Farm Bureau at $290. However, it can be as expensive as $3007 with companies like Nationwide for a similar six-month premium.

Cheapest Car Insurance in Sublette after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$290	$49
American Family	$296	$50
Auto-Owners Insurance Co	$303	$51
Farmers Union Insurance	$323	$54
State Farm	$785	$132
Travelers	$798	$134
USAA	$811	$135
Progressive	$1101	$185
Farmers	$1484	$250
Shelter	$1523	$259
Allstate	$2222	$371
Farm Bureau	$2671	$454
Nationwide	$3007	$501

Car Insurance Price Trends in Sublette, Kansas

Car insurance rates in Sublette have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Sublette rose by $242 in January compared to $205 of December. In other words, there has been an increase by $37 when you compare January and December.

The average cost of liability insurance in the Sublette rose to $56 in January, compared to $51 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Sublette?

The car insurance in Sublette is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Sublette?

The cheapest car insurance in Sublette is $81 per month for full coverage.

How much is car insurance in Sublette for teenagers?

Car insurance for teenagers costs $244 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Sublette?

The average cost of car insurance is $1053 for a six-month policy. It will cost around $196 per month to insure your car in Sublette.

Is car insurance expensive in Sublette?

Car insurance can be expensive in Sublette if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Sublette can be affordable.

Cheapest Car Insurance Quotes in Sublette

Why you can trust Way?

How Much Is Car Insurance in Sublette

Avg. Car Insurance in Sublette

Avg. Car Insurance in Kansas

National Average

Cheapest Car Insurance Companies in Sublette

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

Sublette Car Insurance Rates by Company

Cheap Car Insurance Companies in Sublette, KS

Way's key takeaways about car insurance in Sublette

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sublette

Cheapest Liability Coverage in Sublette, KS

Cheapest Full Coverage Car Insurance in Sublette

Cheapest Full Coverage Car Insurance Quotes in Sublette, KS

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sublette by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Sublette, KS increasing?

Car Insurance Premiums by Age in Sublette

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sublette,KS

If you are in your twenties Nationwide is the best choice for car insurance in Sublette.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Sublette

Cheapest Car Insurance Companies after an At-Fault Accident in Sublette

Sublette Car Insurance Rates by Violation

Sublette auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sublette after a DUI

Sublette car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sublette after Speeding ticket

Car Insurance Price Trends in Sublette, Kansas

Average Car Insurance Cost in Sublette by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sublette, KS

Car Insurance Rates by State in the USA (2025 Update)

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