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Jelm Car Insurance
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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.
The car insurance rate in Jelm is $731 for a six-month policy, which is $7 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $452, making it a popular choice for budget-conscious drivers. Rates in Jelm 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.
At $452 for a six month policy, American National offers the cheapest auto insurance rates in the city.
USAA offers auto insurance rates at $536 for a six-month policy, making it one of the cheapest to insure with.
State Farm offers auto insurance rates at $600 for six months, making it the third cheapest auto insurance company in Jelm.
Based on our research, the cheapest car insurance company in Jelm, WY is American National, offering policies at just $452 for a six-month term. This is followed by USAA, which has an average six-month premium of $536.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1100 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jelm drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National | $452 | $76 |
| USAA | $536 | $90 |
| State Farm | $600 | $101 |
| Farmers | $724 | $122 |
| MetLife | $976 | $166 |
| Allstate | $1100 | $185 |
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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 Jelm are given below.
American National provides the cheapest minimum car insurance coverage in Jelm. Their Average 6 Month Premium is $94. Allstate is the most expensive at $282 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National | $94 | $16 |
| USAA | $94 | $16 |
| State Farm | $118 | $20 |
| MetLife | $170 | $29 |
| Farmers | $182 | $31 |
| Allstate | $282 | $48 |
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 Jelm is American National at $76 per month and $452 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National | $452 | $76 |
| USAA | $536 | $90 |
| State Farm | $600 | $101 |
| Farmers | $724 | $122 |
| MetLife | $976 | $166 |
| Allstate | $1100 | $185 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Jelm, 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, Jelm's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Jelm at $16 per month. At $3705 for a six-month premium, Allstate offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National | $94 | $16 |
| State Farm | $712 | $120 |
| USAA | $712 | $120 |
| Farmers | $1035 | $174 |
| Allstate | $3705 | $618 |
Teen Car Insurance Rates in WY by Age
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.
For those with poor credit scores in Jelm, State Farm is the cheapest car insurance provider. At $576 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 Jelm is Allstate, offering rates of around $1564 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $576 | $97 |
| Farmers | $652 | $110 |
| USAA | $1335 | $227 |
| Allstate | $1564 | $260 |
Save up to $971/yr on car insurance rates in Jelm.
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 Jelm, WY, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Jelm include American National and State Farm, offering $164 and $270, respectively. Allstate is an expensive provider with an average six-month premium of $830.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National | $164 | $28 |
| State Farm | $270 | $46 |
| USAA | $347 | $58 |
| Farmers | $412 | $69 |
| Allstate | $830 | $140 |
Here is a list of driving violations that can increase your car insurance rates in Jelm WY. For example, the car insurance in Jelm 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.
| 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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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.
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 Jelm.
The cheapest car insurance premiums in Jelm are offered by American National at $541 for a six-month policy. However, it can be as expensive as $2270 with companies like MetLife.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American National | $541 | $91 |
| State Farm | $558 | $94 |
| USAA | $646 | $109 |
| Allstate | $1064 | $179 |
| Farmers | $1700 | $286 |
| MetLife | $2270 | $378 |
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 Jelm are offered by State Farm at $376. However, it can be as expensive as $1188 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $376 | $63 |
| USAA | $524 | $89 |
| Farmers | $576 | $97 |
| Allstate | $1188 | $202 |
Car insurance rates in Jelm have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Jelm remained steady at $149 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Jelm remained steady at $24 in both December and November, indicating no change over the two month period.
How much is car insurance in Jelm?
The car insurance in Jelm is $16 per month, which is lower than the national average.
What is the cheapest car insurance in Jelm?
The cheapest car insurance in Jelm is $76 per month for full coverage.
How much is car insurance in Jelm for teenagers?
Car insurance for teenagers costs $94 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 Jelm?
The average cost of car insurance is $738 for a six-month policy. It will cost around $123 per month to insure your car in Jelm.
Is car insurance expensive in Jelm?
Car insurance can be expensive in Jelm if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Jelm can be affordable.
What is the best car insurance in Jelm, WY?
The best car insurance company in Jelm WY is American National, offering $452 for a six-month policy.
Cut auto insurance costs in Jelm right now.