Cheapest Car Insurance Quotes in Sheridan

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Sheridan Car Insurance

^$ 15

/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 Sheridan

The car insurance rate in Sheridan is $708 for a six-month policy, which is $30 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $439, making it a popular choice for budget-conscious drivers. Rates in Sheridan 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 Sheridan

$708

Avg. Car Insurance in Wyoming

$738

National Average

$1140

Cheapest Car Insurance Companies in Sheridan

1st place: American National

At $439 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 $519 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 $582 for six months, making it the third cheapest auto insurance company in Sheridan.

Sheridan Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sheridan, WY is American National, offering policies at just $439 for a six-month term. This is followed by USAA, which has an average six-month premium of $519.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1067 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sheridan drivers find the best deals.

Cheap Car Insurance Companies in Sheridan, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$439	$74
USAA	$519	$87
State Farm	$582	$98
Farmers	$702	$118
MetLife	$947	$161
Allstate	$1067	$180

Key Takeaways

Way's key takeaways about car insurance in Sheridan

The auto insurance costs in Sheridan fall around $439 for six months.
The cheapest auto insurance company in Sheridan is American National.
Teen drivers pay the highest rate in Sheridan at $599 per month.

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Cheapest Minimum Liability Car Insurance in Sheridan

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 Sheridan are given below.

American National provides the cheapest minimum car insurance coverage in Sheridan. Their Average 6 Month Premium is $91. Allstate is the most expensive at $274 for the same period.

Cheapest Liability Coverage in Sheridan, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$91	$15
USAA	$91	$15
State Farm	$114	$19
MetLife	$165	$28
Farmers	$177	$30
Allstate	$274	$46

Cheapest Full Coverage Car Insurance in Sheridan

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 Sheridan is American National at $74 per month and $439 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sheridan, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$439	$74
USAA	$519	$87
State Farm	$582	$98
Farmers	$702	$118
MetLife	$947	$161
Allstate	$1067	$180

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Average Car Insurance in Sheridan 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 Sheridan, WY increasing?

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

Car Insurance Premiums by Age in Sheridan

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 Sheridan,WY

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Sheridan at $15 per month. At $3592 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$91	$15
State Farm	$690	$116
USAA	$690	$116
Farmers	$1003	$169
Allstate	$3592	$599

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 Sheridan, State Farm is the cheapest car insurance provider. At $559 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 Sheridan is Allstate, offering rates of around $1517 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$559	$94
Farmers	$633	$107
USAA	$1294	$220
Allstate	$1517	$252

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Car Insurance Rates with An Accident in Sheridan

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

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

The cheapest car insurance companies after an at-fault accident in Sheridan include American National and State Farm, offering $159 and $262, respectively. Allstate is an expensive provider with an average six-month premium of $804.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$159	$27
State Farm	$262	$44
USAA	$336	$57
Farmers	$399	$67
Allstate	$804	$135

Sheridan Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sheridan WY. For example, the car insurance in Sheridan after a DUI increases to $524 for a six month policy. While the rate increases by $171 for a six-month policy in the case of a speeding ticket.

Sheridan auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$764	$128
One Med/PIP claim	$764	$130
One comp claim	$815	$136
Two Med/PIP claims	$815	$138
Driving without lights	$832	$139
Not-at-fault accident	$838	$142
Cell phone violation	$850	$142
Texting while driving	$850	$144
Failure to show documents	$855	$143
Failure to wear a seat belt	$855	$146
Child safety restraint	$861	$143
Driving with expired registration	$861	$147
Failure to stop at a red light	$867	$144
Failure to yield	$867	$148
Following too closely	$867	$144
Illegal turn	$867	$148
Wrong way/wrong lane	$867	$144
Improper passing	$873	$149
Passing school bus	$890	$148
Two comp claims	$912	$156
Open container	$918	$153
Driving too slowly	$935	$159
In 65 MPH zone	$935	$156
Speeding 11 - 15 MPH over limit	$935	$159
Speeding 16 - 20 MPH over limit	$935	$156
Speeding 21 - 25 MPH over limit	$935	$159
Speeding 6 - 10 MPH over limit	$935	$156
Speeding in school zone	$935	$159
Operating a vehicle without permission	$993	$165
At-fault accident - less than $1000	$1020	$174
At-fault accident - $1000-$2000	$1038	$173
At-fault accident - greater than $2000	$1038	$177
Racing	$1187	$198
Driving with a suspended license	$1214	$206
Reckless driving	$1220	$204
Refusal to submit to a chemical test	$1249	$212
DUI	$1288	$215
Leaving scene of an accident/hit and run	$1300	$221

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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 Sheridan 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 Sheridan.

The cheapest car insurance premiums in Sheridan are offered by American National at $524 for a six-month policy. However, it can be as expensive as $2201 with companies like MetLife.

Sheridan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$524	$88
State Farm	$541	$91
USAA	$627	$106
Allstate	$1032	$174
Farmers	$1648	$277
MetLife	$2201	$367

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 Sheridan are offered by State Farm at $365. However, it can be as expensive as $1152 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Sheridan after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$365	$61
USAA	$508	$86
Farmers	$559	$94
Allstate	$1152	$196

Car Insurance Price Trends in Sheridan, Wyoming

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

The average cost of full coverage in the Sheridan remained steady at $145 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Sheridan remained steady at $23 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 Sheridan?

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

What is the cheapest car insurance in Sheridan?

The cheapest car insurance in Sheridan is $74 per month for full coverage.

How much is car insurance in Sheridan for teenagers?

Car insurance for teenagers costs $91 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 Sheridan?

The average cost of car insurance is $738 for a six-month policy. It will cost around $119 per month to insure your car in Sheridan.

Is car insurance expensive in Sheridan?

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

What is the best car insurance in Sheridan, WY?

The best car insurance company in Sheridan WY is American National, offering $439 for a six-month policy.