Cheapest Car Insurance Quotes in Midwest

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Midwest 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 Midwest

The car insurance rate in Midwest is $753 for a six-month policy, which is $15 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $466, making it a popular choice for budget-conscious drivers. Rates in Midwest 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 Midwest

$753

Avg. Car Insurance in Wyoming

$738

National Average

$1140

Cheapest Car Insurance Companies in Midwest

1st place: American National

At $466 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 $552 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 $618 for six months, making it the third cheapest auto insurance company in Midwest.

Midwest Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Midwest, WY is American National, offering policies at just $466 for a six-month term. This is followed by USAA, which has an average six-month premium of $552.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1133 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Midwest drivers find the best deals.

Cheap Car Insurance Companies in Midwest, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$466	$79
USAA	$552	$93
State Farm	$618	$104
Farmers	$746	$125
MetLife	$1006	$171
Allstate	$1133	$191

Key Takeaways

Way's key takeaways about car insurance in Midwest

The auto insurance costs in Midwest fall around $466 for six months.
The cheapest auto insurance company in Midwest is American National.
Teen drivers pay the highest rate in Midwest at $636 per month.

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Cheapest Minimum Liability Car Insurance in Midwest

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 Midwest are given below.

American National provides the cheapest minimum car insurance coverage in Midwest. Their Average 6 Month Premium is $97. Allstate is the most expensive at $291 for the same period.

Cheapest Liability Coverage in Midwest, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$97	$16
USAA	$97	$16
State Farm	$121	$20
MetLife	$175	$30
Farmers	$188	$32
Allstate	$291	$49

Cheapest Full Coverage Car Insurance in Midwest

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 Midwest is American National at $79 per month and $466 for six months.

Cheapest Full Coverage Car Insurance Quotes in Midwest, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$466	$79
USAA	$552	$93
State Farm	$618	$104
Farmers	$746	$125
MetLife	$1006	$171
Allstate	$1133	$191

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Average Car Insurance in Midwest 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 Midwest, WY increasing?

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

Car Insurance Premiums by Age in Midwest

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 Midwest,WY

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Midwest at $16 per month. At $3817 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$97	$16
State Farm	$733	$123
USAA	$733	$123
Farmers	$1066	$180
Allstate	$3817	$636

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 Midwest, State Farm is the cheapest car insurance provider. At $594 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 Midwest is Allstate, offering rates of around $1612 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$594	$100
Farmers	$672	$113
USAA	$1375	$234
Allstate	$1612	$268

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Car Insurance Rates with An Accident in Midwest

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

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

The cheapest car insurance companies after an at-fault accident in Midwest include American National and State Farm, offering $169 and $278, respectively. Allstate is an expensive provider with an average six-month premium of $855.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$169	$29
State Farm	$278	$47
USAA	$357	$60
Farmers	$424	$71
Allstate	$855	$144

Midwest Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Midwest WY. For example, the car insurance in Midwest after a DUI increases to $557 for a six month policy. While the rate increases by $181 for a six-month policy in the case of a speeding ticket.

Midwest auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$812	$136
One Med/PIP claim	$812	$138
One comp claim	$866	$145
Two Med/PIP claims	$866	$147
Driving without lights	$884	$148
Not-at-fault accident	$890	$151
Cell phone violation	$903	$151
Texting while driving	$903	$153
Failure to show documents	$909	$152
Failure to wear a seat belt	$909	$155
Child safety restraint	$915	$152
Driving with expired registration	$915	$156
Failure to stop at a red light	$921	$153
Failure to yield	$921	$157
Following too closely	$921	$153
Illegal turn	$921	$157
Wrong way/wrong lane	$921	$153
Improper passing	$927	$158
Passing school bus	$946	$157
Two comp claims	$969	$165
Open container	$975	$162
Driving too slowly	$993	$169
In 65 MPH zone	$993	$165
Speeding 11 - 15 MPH over limit	$993	$169
Speeding 16 - 20 MPH over limit	$993	$165
Speeding 21 - 25 MPH over limit	$993	$169
Speeding 6 - 10 MPH over limit	$993	$165
Speeding in school zone	$993	$169
Operating a vehicle without permission	$1055	$175
At-fault accident - less than $1000	$1084	$185
At-fault accident - $1000-$2000	$1103	$184
At-fault accident - greater than $2000	$1103	$188
Racing	$1261	$210
Driving with a suspended license	$1290	$219
Reckless driving	$1296	$216
Refusal to submit to a chemical test	$1327	$225
DUI	$1369	$228
Leaving scene of an accident/hit and run	$1381	$235

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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 Midwest 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 Midwest.

The cheapest car insurance premiums in Midwest are offered by American National at $557 for a six-month policy. However, it can be as expensive as $2339 with companies like MetLife.

Midwest car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$557	$94
State Farm	$575	$97
USAA	$666	$112
Allstate	$1097	$185
Farmers	$1751	$295
MetLife	$2339	$390

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 Midwest are offered by State Farm at $388. However, it can be as expensive as $1224 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Midwest after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$388	$65
USAA	$540	$92
Farmers	$594	$100
Allstate	$1224	$208

Car Insurance Price Trends in Midwest, Wyoming

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

The average cost of full coverage in the Midwest remained steady at $154 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Midwest 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 Midwest?

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

What is the cheapest car insurance in Midwest?

The cheapest car insurance in Midwest is $79 per month for full coverage.

How much is car insurance in Midwest for teenagers?

Car insurance for teenagers costs $97 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 Midwest?

The average cost of car insurance is $738 for a six-month policy. It will cost around $126 per month to insure your car in Midwest.

Is car insurance expensive in Midwest?

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

What is the best car insurance in Midwest, WY?

The best car insurance company in Midwest WY is American National, offering $466 for a six-month policy.