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Finding the cheapest car insurance quotes in Shirley Basin shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Shirley Basin
The car insurance rate in Shirley Basin is $716 for a six-month policy, which is $22 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $443, making it a popular choice for budget-conscious drivers. Rates in Shirley Basin 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 $443 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 $525 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 $588
for six months, making it
the third cheapest auto insurance company in Shirley Basin.
Shirley Basin Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Shirley Basin, WY is American National, offering policies at just $443 for a six-month term. This is followed by USAA, which has an average six-month premium of $525.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1078 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shirley Basin drivers find the best deals.
Cheap Car Insurance Companies in Shirley Basin, WY
Way's key takeaways about car insurance in Shirley Basin
The auto insurance costs in Shirley Basin fall around $443 for six
months.
The cheapest auto insurance company in Shirley Basin is American National.
Teen drivers pay the highest rate in Shirley Basin at $605 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Shirley Basin
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 Shirley Basin are given below.
American National provides
the cheapest minimum car insurance
coverage in Shirley Basin. Their Average 6 Month Premium is $92.
Allstate is the most
expensive at $276 for the same
period.
Cheapest Full Coverage Car Insurance in Shirley Basin
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 Shirley Basin is American National
at $75 per month and $443
for six months.
Cheapest Full Coverage Car Insurance Quotes in Shirley Basin,
WY
Get Your Car Insurance Quote in Shirley Basin
Instantly!
Average Car Insurance in Shirley Basin 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 Shirley Basin, WY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Shirley Basin, 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, Shirley Basin's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Shirley Basin
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Shirley Basin,WY
If you are planning to get a car insurance policy for your teenage
dependent, American National provides the cheapest car
insurance in the Shirley Basin at $16
per
month. At $3630 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Shirley Basin.
As young drivers face the highest rates in Shirley Basin, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Shirley Basin,
State Farm is
the cheapest car insurance provider. At $565 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
Shirley Basin is Allstate, offering
rates of around $1533 for six
months.
Save up to $971/yr on car insurance rates in Shirley Basin.
Car Insurance Rates with An Accident in Shirley Basin
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 Shirley Basin, WY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Shirley Basin
The cheapest car insurance companies after an at-fault accident in
Shirley Basin include American National
and State Farm, offering $161
and $265,
respectively. Allstate is an expensive provider
with an average six-month premium of
$813.
Here is a list of driving violations that can increase your car
insurance rates in Shirley Basin WY. For example, the car
insurance in Shirley Basin
after a DUI increases to $530 for a six
month policy. While the rate increases by $173 for a six-month policy in the case of
a speeding ticket.
Shirley Basin auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$772
$129
One Med/PIP claim
$772
$131
One comp claim
$824
$138
Two Med/PIP claims
$824
$140
Driving without lights
$841
$141
Not-at-fault accident
$847
$144
Cell phone violation
$858
$144
Texting while driving
$858
$146
Failure to show documents
$864
$145
Failure to wear a seat belt
$864
$147
Child safety restraint
$870
$145
Driving with expired registration
$870
$148
Failure to stop at a red light
$876
$146
Failure to yield
$876
$149
Following too closely
$876
$146
Illegal turn
$876
$149
Wrong way/wrong lane
$876
$146
Improper passing
$882
$150
Passing school bus
$899
$149
Two comp claims
$922
$157
Open container
$927
$154
Driving too slowly
$945
$161
In 65 MPH zone
$945
$157
Speeding 11 - 15 MPH over limit
$945
$161
Speeding 16 - 20 MPH over limit
$945
$157
Speeding 21 - 25 MPH over limit
$945
$161
Speeding 6 - 10 MPH over limit
$945
$157
Speeding in school zone
$945
$161
Operating a vehicle without permission
$1003
$167
At-fault accident - less than $1000
$1031
$176
At-fault accident - $1000-$2000
$1049
$175
At-fault accident - greater than $2000
$1049
$178
Racing
$1199
$200
Driving with a suspended license
$1227
$209
Reckless driving
$1233
$206
Refusal to submit to a chemical test
$1262
$214
DUI
$1302
$217
Leaving scene of an accident/hit and run
$1313
$223
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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 Shirley Basin 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 Shirley Basin.
The cheapest car insurance premiums in
Shirley Basin are
offered by American National at $530 for a six-month policy.
However, it can be as
expensive as $2224 with companies
like MetLife.
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 Shirley Basin are offered by State Farm
at $369. However,
it can be as expensive as $1164
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Shirley Basin after Speeding ticket
Car Insurance Price Trends in Shirley Basin,
Wyoming
Car insurance rates in Shirley Basin have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Shirley Basin remained steady at $146 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Shirley Basin remained steady at $23 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Shirley Basin by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Shirley Basin. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Shirley Basin?
The car insurance in Shirley Basin is $16 per month, which is lower than the national average.
What is the cheapest car insurance in Shirley Basin?
The cheapest car insurance in Shirley Basin
is $75 per month
for full coverage.
How much is car insurance in Shirley Basin for teenagers?
Car insurance for teenagers costs $92 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
Shirley Basin?
The average cost of car insurance is $738 for a six-month
policy. It will cost around $120 per month to insure your
car in Shirley Basin.
Is car insurance expensive in Shirley Basin?
Car insurance can be expensive in Shirley Basin if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Shirley Basin can be
affordable.
What is the best car insurance in Shirley Basin,
WY?
The best car insurance company in Shirley Basin
WY is
American National, offering $443 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Shirley Basin, WY
Car Insurance Rates by State in the USA (2025 Update)
Shirley Basin Car Insurance
