Cheapest Car Insurance Quotes in Shoshoni

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406,175 Policies Sold

Shoshoni 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 Shoshoni

The car insurance rate in Shoshoni is $748 for a six-month policy, which is $15 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $489, making it a popular choice for budget-conscious drivers. Rates in Shoshoni 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 Shoshoni

$748

Avg. Car Insurance in Wyoming

$763

National Average

$1278

Cheapest Car Insurance Companies in Shoshoni

1st place: American National

At $489 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 $559 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 Shoshoni.

Shoshoni Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Shoshoni, WY is American National, offering policies at just $489 for a six-month term. This is followed by USAA, which has an average six-month premium of $559.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1152 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Shoshoni drivers find the best deals.

Cheap Car Insurance Companies in Shoshoni, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$489	$82
USAA	$559	$94
State Farm	$606	$102
Farmers	$716	$121
MetLife	$966	$161
Allstate	$1152	$194

Key Takeaways

Way's key takeaways about car insurance in Shoshoni

The auto insurance costs in Shoshoni fall around $489 for six months.
The cheapest auto insurance company in Shoshoni is USAA.
Teen drivers pay the highest rate in Shoshoni at $727 per month.

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Cheapest Minimum Liability Car Insurance in Shoshoni

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 Shoshoni are given below.

USAA provides the cheapest minimum car insurance coverage in Shoshoni. Their Average 6 Month Premium is $93. Allstate is the most expensive at $279 for the same period.

Cheapest Liability Coverage in Shoshoni, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$93	$16
American National	$105	$18
State Farm	$117	$20
MetLife	$169	$28
Farmers	$180	$30
Allstate	$279	$47

Cheapest Full Coverage Car Insurance in Shoshoni

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 Shoshoni is American National at $82 per month and $489 for six months.

Cheapest Full Coverage Car Insurance Quotes in Shoshoni, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$489	$82
USAA	$559	$94
State Farm	$606	$102
Farmers	$716	$121
MetLife	$966	$161
Allstate	$1152	$194

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Average Car Insurance in Shoshoni 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 Shoshoni, WY increasing?

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

Car Insurance Premiums by Age in Shoshoni

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 Shoshoni,WY

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Shoshoni at $127 per month. At $4360 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$757	$127
State Farm	$780	$131
USAA	$826	$139
Farmers	$1030	$173
Allstate	$4360	$727

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 Shoshoni, State Farm is the cheapest car insurance provider. At $629 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 Shoshoni is Allstate, offering rates of around $1839 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$629	$106
Farmers	$646	$109
American National	$815	$138
USAA	$1606	$268
Allstate	$1839	$313

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Car Insurance Rates with An Accident in Shoshoni

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

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

The cheapest car insurance companies after an at-fault accident in Shoshoni include State Farm and USAA, offering $291 and $396, respectively. Allstate is an expensive provider with an average six-month premium of $949.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$291	$49
USAA	$396	$67
Farmers	$408	$69
American National	$576	$97
Allstate	$949	$160

Shoshoni Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Shoshoni WY. For example, the car insurance in Shoshoni after a DUI increases to $535 for a six month policy. While the rate increases by $175 for a six-month policy in the case of a speeding ticket.

Shoshoni auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$780	$130
One Med/PIP claim	$780	$132
One comp claim	$832	$139
Two Med/PIP claims	$832	$141
Driving without lights	$850	$142
Not-at-fault accident	$856	$145
Cell phone violation	$867	$145
Texting while driving	$867	$147
Failure to show documents	$873	$146
Failure to wear a seat belt	$873	$149
Child safety restraint	$879	$146
Driving with expired registration	$879	$150
Failure to stop at a red light	$885	$147
Failure to yield	$885	$151
Following too closely	$885	$147
Illegal turn	$885	$151
Wrong way/wrong lane	$885	$147
Improper passing	$891	$152
Passing school bus	$908	$151
Two comp claims	$931	$159
Open container	$937	$156
Driving too slowly	$955	$163
In 65 MPH zone	$955	$159
Speeding 11 - 15 MPH over limit	$955	$163
Speeding 16 - 20 MPH over limit	$955	$159
Speeding 21 - 25 MPH over limit	$955	$163
Speeding 6 - 10 MPH over limit	$955	$159
Speeding in school zone	$955	$163
Operating a vehicle without permission	$1013	$169
At-fault accident - less than $1000	$1042	$177
At-fault accident - $1000-$2000	$1059	$176
At-fault accident - greater than $2000	$1059	$180
Racing	$1211	$202
Driving with a suspended license	$1240	$211
Reckless driving	$1246	$208
Refusal to submit to a chemical test	$1275	$217
DUI	$1315	$220
Leaving scene of an accident/hit and run	$1327	$225

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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 Shoshoni 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 Shoshoni.

The cheapest car insurance premiums in Shoshoni are offered by State Farm at $582 for a six-month policy. However, it can be as expensive as $2247 with companies like MetLife.

Shoshoni car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$582	$98
USAA	$693	$117
American National	$733	$123
Allstate	$1129	$190
Farmers	$1689	$284
MetLife	$2247	$374

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 Shoshoni are offered by State Farm at $408. However, it can be as expensive as $1386 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Shoshoni after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$408	$69
Farmers	$570	$96
USAA	$617	$105
American National	$850	$142
Allstate	$1386	$235

Car Insurance Price Trends in Shoshoni, Wyoming

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

The average cost of full coverage in the Shoshoni rose by $157 in January compared to $148 of December. In other words, there has been an increase by $9 when you compare January and December.

The average cost of liability insurance in the Shoshoni remained steady at $24 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Shoshoni?

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

What is the cheapest car insurance in Shoshoni?

The cheapest car insurance in Shoshoni is $82 per month for full coverage.

How much is car insurance in Shoshoni for teenagers?

Car insurance for teenagers costs $757 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 Shoshoni?

The average cost of car insurance is $763 for a six-month policy. It will cost around $125 per month to insure your car in Shoshoni.

Is car insurance expensive in Shoshoni?

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

What is the best car insurance in Shoshoni, WY?

The best car insurance company in Shoshoni WY is American National, offering $489 for a six-month policy.