Cheapest Car Insurance Quotes in Woodland Park

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Woodland Park Car Insurance

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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 Woodland Park

The car insurance rate in Woodland Park is $897 for a six-month policy, which is $37 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $256, making it a popular choice for budget-conscious drivers. Rates in Woodland Park 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 Woodland Park

$897

Avg. Car Insurance in Nebraska

$934

National Average

$1140

Cheapest Car Insurance Companies in Woodland Park

1st place: American National P&C

At $256 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $394 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American National

American National offers auto insurance rates at $496 for six months, making it the third cheapest auto insurance company in Woodland Park.

Woodland Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woodland Park, NE is American National P&C, offering policies at just $256 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $394.

At the higher end of the spectrum, American Family is the most expensive, with rates reaching $970 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodland Park drivers find the best deals.

Cheap Car Insurance Companies in Woodland Park, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$256	$43
Auto-Owners Insurance Co	$394	$65
American National	$496	$84
Farmers Mutual of Nebraska	$536	$90
Shelter	$547	$93
IMT Insurance Company	$559	$93
Auto-Owners	$781	$132
USAA	$861	$145
Farmers	$912	$156
Progressive	$941	$158
State Farm	$1020	$172
North Star Mutual	$1209	$202
Allstate	$1420	$239
Farm Bureau	$1716	$286
Nationwide	$1734	$295
American Family	$970	$161

Key Takeaways

Way's key takeaways about car insurance in Woodland Park

The auto insurance costs in Woodland Park fall around $256 for six months.
The cheapest auto insurance company in Woodland Park is American National P&C.
Teen drivers pay the highest rate in Woodland Park at $394 per month.

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Cheapest Minimum Liability Car Insurance in Woodland Park

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 Woodland Park are given below.

American National P&C provides the cheapest minimum car insurance coverage in Woodland Park. Their Average 6 Month Premium is $91. North Star Mutual Insurance is the most expensive at $154 for the same period.

Cheapest Liability Coverage in Woodland Park, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$91	$15
American National	$97	$16
Farmers Mutual of Nebraska	$143	$24
North Star Mutual	$177	$30
Auto-Owners Insurance Co	$188	$32
Farmers	$194	$33
IMT Insurance	$200	$34
Progressive	$200	$34
USAA	$200	$34
Auto-Owners	$211	$36
Iowa Farm Bureau	$228	$38
Shelter	$234	$39
State Farm	$234	$39
Farm Bureau	$325	$56
Allstate	$450	$76
Nationwide	$582	$99
American Family	$279	$47
North Star Mutual Insurance	$154	$26

Cheapest Full Coverage Car Insurance in Woodland Park

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 Woodland Park is American National P&C at $43 per month and $256 for six months.

Cheapest Full Coverage Car Insurance Quotes in Woodland Park, NE

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$256	$43
Auto-Owners Insurance Co	$394	$65
American National	$496	$84
Farmers Mutual of Nebraska	$536	$90
Shelter	$547	$93
IMT Insurance Company	$559	$93
Auto-Owners	$781	$132
USAA	$861	$145
Farmers	$912	$156
Progressive	$941	$158
State Farm	$1020	$172
North Star Mutual	$1209	$202
Allstate	$1420	$239
Farm Bureau	$1716	$286
Nationwide	$1734	$295
American Family	$970	$161

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Average Car Insurance in Woodland Park 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 Woodland Park, NE increasing?

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

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

Car Insurance Premiums by Age in Woodland Park

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	Farm Bureau Mutual	$682
30s	USAA	$528
40s	USAA	$470
50s	USAA	$449
60s	USAA	$449
70s	USAA	$523

Cheapest Car Insurance Rates for Teen Drivers in Woodland Park,NE

If you are planning to get a car insurance policy for your teenage dependent, American National P&C provides the cheapest car insurance in the Woodland Park at $18 per month. At $2316 for a six-month premium, American Family offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$108	$18
Farmers	$177	$30
North Star Mutual Insurance	$239	$40
Iowa Farm Bureau	$256	$43
Auto-Owners Insurance Co	$262	$44
Farmers Mutual of Nebraska	$873	$147
American National	$1094	$186
USAA	$1311	$221
Auto-Owners	$1973	$332
State Farm	$2093	$352
Progressive	$2133	$359
Allstate	$3113	$524
Farm Bureau	$3753	$638
Nationwide	$5896	$983
American Family	$2316	$394

Teen Car Insurance Rates in NE by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Woodland Park.

As young drivers face the highest rates in Woodland Park, Farm Bureau Mutual offers the cheapest auto insurance rates at $682 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 Woodland Park, American National P&C is the cheapest car insurance provider. At $320 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 Woodland Park is American Family, offering rates of around $1660 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$320	$53
IMT Insurance Company	$359	$61
Shelter	$382	$63
Iowa Farm Bureau	$444	$76
Farmers Mutual of Nebraska	$593	$100
Progressive	$987	$166
USAA	$1232	$205
Auto-Owners	$2196	$373
Allstate	$2207	$368
Nationwide	$2429	$413
Farm Bureau	$3199	$533
State Farm	$5149	$876
American Family	$1660	$276

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Car Insurance Rates with An Accident in Woodland Park

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 Woodland Park, NE, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Woodland Park

The cheapest car insurance companies after an at-fault accident in Woodland Park include American National P&C and Farmers, offering $132 and $211, respectively. American Family is an expensive provider with an average six-month premium of $1164.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$132	$22
Farmers	$211	$36
Auto-Owners Insurance Co	$217	$36
North Star Mutual	$308	$53
Iowa Farm Bureau	$353	$59
North Star Mutual Insurance	$411	$70
American National	$559	$93
Farmers Mutual of Nebraska	$564	$95
Auto-Owners	$656	$110
USAA	$656	$110
State Farm	$696	$117
Progressive	$935	$157
Allstate	$2116	$356
Farm Bureau	$2731	$465
Nationwide	$2811	$468
American Family	$1164	$194

Woodland Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woodland Park NE. For example, the car insurance in Woodland Park after a DUI increases to $918 for a six month policy. While the rate increases by $183 for a six-month policy in the case of a speeding ticket.

Woodland Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$975	$162
One Med/PIP claim	$975	$166
Not-at-fault accident	$1061	$177
Driving without lights	$1084	$184
Failure to show documents	$1084	$180
Driving with expired registration	$1094	$186
Failure to wear a seat belt	$1094	$182
Two Med/PIP claims	$1100	$187
Cell phone violation	$1106	$184
One comp claim	$1106	$188
Texting while driving	$1106	$184
Failure to yield	$1123	$191
Child safety restraint	$1129	$188
Driving too slowly	$1129	$192
Speeding in school zone	$1140	$190
Failure to stop at a red light	$1146	$195
Illegal turn	$1158	$193
Passing school bus	$1158	$197
Speeding 6 - 10 MPH over limit	$1158	$193
Following too closely	$1164	$198
Improper passing	$1175	$196
Speeding 11 - 15 MPH over limit	$1187	$202
Speeding 16 - 20 MPH over limit	$1203	$201
Wrong way/wrong lane	$1226	$208
Speeding 21 - 25 MPH over limit	$1237	$206
Operating a vehicle without permission	$1300	$221
In 65 MPH zone	$1317	$220
Two comp claims	$1329	$226
Open container	$1363	$228
At-fault accident - less than $1000	$1397	$237
At-fault accident - $1000-$2000	$1523	$253
At-fault accident - greater than $2000	$1523	$259
Reckless driving	$1728	$288
Driving with a suspended license	$1785	$303
Refusal to submit to a chemical test	$1842	$307
DUI	$1893	$322
Leaving scene of an accident/hit and run	$1922	$321
Racing	$1928	$327

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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 Woodland Park 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 Woodland Park.

The cheapest car insurance premiums in Woodland Park are offered by American National P&C at $148 for a six-month policy. However, it can be as expensive as $970 with companies like American Family.

Woodland Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$148	$25
Farmers	$348	$58
IMT Insurance Company	$428	$73
Auto-Owners Insurance Co	$462	$77
Iowa Farm Bureau	$468	$80
Shelter	$519	$86
American National	$599	$102
Progressive	$741	$125
Farmers Mutual of Nebraska	$890	$150
USAA	$1164	$196
State Farm	$1187	$200
Auto-Owners	$1214	$204
Farm Bureau	$1232	$207
Allstate	$1773	$299
Nationwide	$3850	$655
American Family	$970	$165

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 Woodland Park are offered by American National P&C at $114. However, it can be as expensive as $1072 with companies like American Family for a similar six-month premium.

Cheapest Car Insurance in Woodland Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$114	$19
Auto-Owners Insurance Co	$245	$41
IMT Insurance Company	$285	$49
Iowa Farm Bureau	$291	$48
Farmers Mutual of Nebraska	$462	$78
State Farm	$650	$109
Auto-Owners	$741	$126
Progressive	$873	$147
USAA	$896	$153
Allstate	$1573	$262
Farm Bureau	$2058	$350
Nationwide	$2321	$387
American Family	$1072	$182

Car Insurance Price Trends in Woodland Park, Nebraska

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

The average cost of full coverage in the Woodland Park rose by $180 in December compared to $157 of November. In other words, there has been an increase by $23 when you compare December and November.

The average cost of liability insurance in the Woodland Park remained steady at $36 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Woodland Park?

The car insurance in Woodland Park is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Woodland Park?

The cheapest car insurance in Woodland Park is $43 per month for full coverage.

How much is car insurance in Woodland Park for teenagers?

Car insurance for teenagers costs $108 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 Woodland Park?

The average cost of car insurance is $934 for a six-month policy. It will cost around $151 per month to insure your car in Woodland Park.

Is car insurance expensive in Woodland Park?

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

What is the best car insurance in Woodland Park, NE?

The best car insurance company in Woodland Park NE is American National P&C, offering $256 for a six-month policy.