Cheapest Car Insurance Quotes in Jeffrey City

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Jeffrey City 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 Jeffrey City

The car insurance rate in Jeffrey City is $738 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $457, making it a popular choice for budget-conscious drivers. Rates in Jeffrey City 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 Jeffrey City

$738

Avg. Car Insurance in Wyoming

$738

National Average

$1140

Cheapest Car Insurance Companies in Jeffrey City

1st place: American National

At $457 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 $541 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 $606 for six months, making it the third cheapest auto insurance company in Jeffrey City.

Jeffrey City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Jeffrey City, WY is American National, offering policies at just $457 for a six-month term. This is followed by USAA, which has an average six-month premium of $541.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1111 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jeffrey City drivers find the best deals.

Cheap Car Insurance Companies in Jeffrey City, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$457	$77
USAA	$541	$91
State Farm	$606	$102
Farmers	$731	$123
MetLife	$986	$168
Allstate	$1111	$187

Key Takeaways

Way's key takeaways about car insurance in Jeffrey City

The auto insurance costs in Jeffrey City fall around $457 for six months.
The cheapest auto insurance company in Jeffrey City is American National.
Teen drivers pay the highest rate in Jeffrey City at $624 per month.

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Cheapest Minimum Liability Car Insurance in Jeffrey City

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 Jeffrey City are given below.

American National provides the cheapest minimum car insurance coverage in Jeffrey City. Their Average 6 Month Premium is $95. Allstate is the most expensive at $285 for the same period.

Cheapest Liability Coverage in Jeffrey City, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$95	$16
USAA	$95	$16
State Farm	$119	$20
MetLife	$172	$29
Farmers	$184	$31
Allstate	$285	$48

Cheapest Full Coverage Car Insurance in Jeffrey City

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 Jeffrey City is American National at $77 per month and $457 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jeffrey City, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$457	$77
USAA	$541	$91
State Farm	$606	$102
Farmers	$731	$123
MetLife	$986	$168
Allstate	$1111	$187

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Average Car Insurance in Jeffrey City 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 Jeffrey City, WY increasing?

Despite maintaining a clean driving record, your car insurance rates in Jeffrey City, 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, Jeffrey City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Jeffrey City

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 Jeffrey City,WY

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Jeffrey City at $16 per month. At $3742 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$95	$16
State Farm	$719	$121
USAA	$719	$121
Farmers	$1045	$176
Allstate	$3742	$624

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 Jeffrey City, State Farm is the cheapest car insurance provider. At $582 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 Jeffrey City is Allstate, offering rates of around $1580 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$582	$98
Farmers	$659	$111
USAA	$1348	$229
Allstate	$1580	$263

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Car Insurance Rates with An Accident in Jeffrey City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Jeffrey City

The cheapest car insurance companies after an at-fault accident in Jeffrey City include American National and State Farm, offering $166 and $273, respectively. Allstate is an expensive provider with an average six-month premium of $838.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$166	$28
State Farm	$273	$46
USAA	$350	$59
Farmers	$416	$70
Allstate	$838	$141

Jeffrey City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jeffrey City WY. For example, the car insurance in Jeffrey City after a DUI increases to $546 for a six month policy. While the rate increases by $178 for a six-month policy in the case of a speeding ticket.

Jeffrey City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$796	$133
One Med/PIP claim	$796	$135
One comp claim	$849	$142
Two Med/PIP claims	$849	$144
Driving without lights	$867	$145
Not-at-fault accident	$873	$148
Cell phone violation	$885	$148
Texting while driving	$885	$150
Failure to show documents	$891	$149
Failure to wear a seat belt	$891	$152
Child safety restraint	$897	$149
Driving with expired registration	$897	$153
Failure to stop at a red light	$903	$150
Failure to yield	$903	$154
Following too closely	$903	$150
Illegal turn	$903	$154
Wrong way/wrong lane	$903	$150
Improper passing	$909	$155
Passing school bus	$927	$154
Two comp claims	$950	$162
Open container	$956	$159
Driving too slowly	$974	$166
In 65 MPH zone	$974	$162
Speeding 11 - 15 MPH over limit	$974	$166
Speeding 16 - 20 MPH over limit	$974	$162
Speeding 21 - 25 MPH over limit	$974	$166
Speeding 6 - 10 MPH over limit	$974	$162
Speeding in school zone	$974	$166
Operating a vehicle without permission	$1034	$172
At-fault accident - less than $1000	$1063	$181
At-fault accident - $1000-$2000	$1081	$180
At-fault accident - greater than $2000	$1081	$184
Racing	$1236	$206
Driving with a suspended license	$1265	$215
Reckless driving	$1271	$212
Refusal to submit to a chemical test	$1301	$221
DUI	$1342	$224
Leaving scene of an accident/hit and run	$1354	$230

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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 Jeffrey City 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 Jeffrey City.

The cheapest car insurance premiums in Jeffrey City are offered by American National at $546 for a six-month policy. However, it can be as expensive as $2293 with companies like MetLife.

Jeffrey City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$546	$92
State Farm	$564	$95
USAA	$653	$110
Allstate	$1075	$181
Farmers	$1717	$289
MetLife	$2293	$382

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 Jeffrey City are offered by State Farm at $380. However, it can be as expensive as $1200 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Jeffrey City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$380	$64
USAA	$529	$90
Farmers	$582	$98
Allstate	$1200	$204

Car Insurance Price Trends in Jeffrey City, Wyoming

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

The average cost of full coverage in the Jeffrey City remained steady at $151 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Jeffrey City remained steady at $24 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 Jeffrey City?

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

What is the cheapest car insurance in Jeffrey City?

The cheapest car insurance in Jeffrey City is $77 per month for full coverage.

How much is car insurance in Jeffrey City for teenagers?

Car insurance for teenagers costs $95 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 Jeffrey City?

The average cost of car insurance is $738 for a six-month policy. It will cost around $124 per month to insure your car in Jeffrey City.

Is car insurance expensive in Jeffrey City?

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

What is the best car insurance in Jeffrey City, WY?

The best car insurance company in Jeffrey City WY is American National, offering $457 for a six-month policy.