Cheapest Car Insurance Quotes in Arapahoe

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Arapahoe Car Insurance

^$ 16

/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 Arapahoe

The car insurance rate in Arapahoe is $755 for a six-month policy, which is $8 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $494, making it a popular choice for budget-conscious drivers. Rates in Arapahoe 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 Arapahoe

$755

Avg. Car Insurance in Wyoming

$763

National Average

$1278

Cheapest Car Insurance Companies in Arapahoe

1st place: American National

At $494 for a six month policy, American National offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $564 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $612 for six months, making it the third cheapest auto insurance company in Arapahoe.

Arapahoe Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Arapahoe, WY is American National, offering policies at just $494 for a six-month term. This is followed by USAA, which has an average six-month premium of $564.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1164 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Arapahoe drivers find the best deals.

Cheap Car Insurance Companies in Arapahoe, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$494	$83
USAA	$564	$95
State Farm	$612	$103
Farmers	$724	$122
MetLife	$976	$162
Allstate	$1164	$196

Key Takeaways

Way's key takeaways about car insurance in Arapahoe

The auto insurance costs in Arapahoe fall around $494 for six months.
The cheapest auto insurance company in Arapahoe is USAA.
Teen drivers pay the highest rate in Arapahoe at $735 per month.

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Cheapest Minimum Liability Car Insurance in Arapahoe

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 Arapahoe are given below.

USAA provides the cheapest minimum car insurance coverage in Arapahoe. Their Average 6 Month Premium is $94. Allstate is the most expensive at $282 for the same period.

Cheapest Liability Coverage in Arapahoe, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$94	$16
American National	$106	$18
State Farm	$118	$20
MetLife	$170	$29
Farmers	$182	$31
Allstate	$282	$48

Cheapest Full Coverage Car Insurance in Arapahoe

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 Arapahoe is American National at $83 per month and $494 for six months.

Cheapest Full Coverage Car Insurance Quotes in Arapahoe, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$494	$83
USAA	$564	$95
State Farm	$612	$103
Farmers	$724	$122
MetLife	$976	$162
Allstate	$1164	$196

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Average Car Insurance in Arapahoe 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 Arapahoe, WY increasing?

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

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

Car Insurance Premiums by Age in Arapahoe

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

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Cheapest Car Insurance Rates for Teen Drivers in Arapahoe,WY

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Arapahoe at $129 per month. At $4405 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$764	$129
State Farm	$788	$133
USAA	$835	$141
Farmers	$1040	$175
Allstate	$4405	$735

Teen Car Insurance Rates in WY by Age

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 Arapahoe, State Farm is the cheapest car insurance provider. At $636 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 Arapahoe is Allstate, offering rates of around $1858 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$636	$107
Farmers	$652	$110
American National	$824	$140
USAA	$1623	$270
Allstate	$1858	$316

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Car Insurance Rates with An Accident in Arapahoe

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 Arapahoe, WY, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Arapahoe include State Farm and USAA, offering $294 and $400, respectively. Allstate is an expensive provider with an average six-month premium of $958.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$294	$50
USAA	$400	$67
Farmers	$412	$69
American National	$582	$98
Allstate	$958	$161

Arapahoe Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Arapahoe WY. For example, the car insurance in Arapahoe after a DUI increases to $541 for a six month policy. While the rate increases by $176 for a six-month policy in the case of a speeding ticket.

Arapahoe auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$788	$132
One Med/PIP claim	$788	$134
One comp claim	$841	$141
Two Med/PIP claims	$841	$143
Driving without lights	$858	$144
Not-at-fault accident	$864	$147
Cell phone violation	$876	$147
Texting while driving	$876	$149
Failure to show documents	$882	$148
Failure to wear a seat belt	$882	$150
Child safety restraint	$888	$148
Driving with expired registration	$888	$151
Failure to stop at a red light	$894	$149
Failure to yield	$894	$152
Following too closely	$894	$149
Illegal turn	$894	$152
Wrong way/wrong lane	$894	$149
Improper passing	$900	$153
Passing school bus	$918	$152
Two comp claims	$941	$160
Open container	$946	$157
Driving too slowly	$964	$164
In 65 MPH zone	$964	$160
Speeding 11 - 15 MPH over limit	$964	$164
Speeding 16 - 20 MPH over limit	$964	$160
Speeding 21 - 25 MPH over limit	$964	$164
Speeding 6 - 10 MPH over limit	$964	$160
Speeding in school zone	$964	$164
Operating a vehicle without permission	$1024	$170
At-fault accident - less than $1000	$1052	$179
At-fault accident - $1000-$2000	$1070	$178
At-fault accident - greater than $2000	$1070	$182
Racing	$1224	$204
Driving with a suspended license	$1252	$213
Reckless driving	$1258	$210
Refusal to submit to a chemical test	$1288	$219
DUI	$1329	$222
Leaving scene of an accident/hit and run	$1340	$228

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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 Arapahoe 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 Arapahoe.

The cheapest car insurance premiums in Arapahoe are offered by State Farm at $588 for a six-month policy. However, it can be as expensive as $2270 with companies like MetLife.

Arapahoe car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$588	$99
USAA	$700	$118
American National	$741	$125
Allstate	$1140	$192
Farmers	$1706	$287
MetLife	$2270	$378

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 Arapahoe are offered by State Farm at $412. However, it can be as expensive as $1400 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Arapahoe after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$412	$69
Farmers	$576	$97
USAA	$624	$106
American National	$858	$144
Allstate	$1400	$238

Car Insurance Price Trends in Arapahoe, Wyoming

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

The average cost of full coverage in the Arapahoe rose by $158 in January compared to $149 of December. In other words, there has been an increase by $9 when you compare January and December.

The average cost of liability insurance in the Arapahoe remained steady at $24 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Arapahoe?

The car insurance in Arapahoe is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Arapahoe?

The cheapest car insurance in Arapahoe is $83 per month for full coverage.

How much is car insurance in Arapahoe for teenagers?

Car insurance for teenagers costs $764 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 Arapahoe?

The average cost of car insurance is $763 for a six-month policy. It will cost around $127 per month to insure your car in Arapahoe.

Is car insurance expensive in Arapahoe?

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

What is the best car insurance in Arapahoe, WY?

The best car insurance company in Arapahoe WY is American National, offering $494 for a six-month policy.