Cheapest Car Insurance Quotes in Superior

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406,175 Policies Sold

Superior 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 Superior

The car insurance rate in Superior is $778 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 $509, making it a popular choice for budget-conscious drivers. Rates in Superior 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 Superior

$778

Avg. Car Insurance in Wyoming

$763

National Average

$1278

Cheapest Car Insurance Companies in Superior

1st place: American National

At $509 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 $581 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 $630 for six months, making it the third cheapest auto insurance company in Superior.

Superior Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Superior, WY is American National, offering policies at just $509 for a six-month term. This is followed by USAA, which has an average six-month premium of $581.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1200 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Superior drivers find the best deals.

Cheap Car Insurance Companies in Superior, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$509	$86
USAA	$581	$98
State Farm	$630	$106
Farmers	$746	$125
MetLife	$1006	$167
Allstate	$1200	$202

Key Takeaways

Way's key takeaways about car insurance in Superior

The auto insurance costs in Superior fall around $509 for six months.
The cheapest auto insurance company in Superior is USAA.
Teen drivers pay the highest rate in Superior at $757 per month.

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Cheapest Minimum Liability Car Insurance in Superior

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 Superior are given below.

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

Cheapest Liability Coverage in Superior, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$97	$16
American National	$109	$18
State Farm	$121	$20
MetLife	$175	$30
Farmers	$188	$32
Allstate	$291	$49

Cheapest Full Coverage Car Insurance in Superior

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 Superior is American National at $86 per month and $509 for six months.

Cheapest Full Coverage Car Insurance Quotes in Superior, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$509	$86
USAA	$581	$98
State Farm	$630	$106
Farmers	$746	$125
MetLife	$1006	$167
Allstate	$1200	$202

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Average Car Insurance in Superior 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 Superior, WY increasing?

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

Car Insurance Premiums by Age in Superior

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 Superior,WY

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Superior at $133 per month. At $4538 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$787	$133
State Farm	$812	$137
USAA	$860	$145
Farmers	$1072	$181
Allstate	$4538	$757

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 Superior, State Farm is the cheapest car insurance provider. At $655 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 Superior is Allstate, offering rates of around $1915 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$655	$110
Farmers	$672	$113
American National	$849	$144
USAA	$1672	$278
Allstate	$1915	$325

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Car Insurance Rates with An Accident in Superior

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

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

The cheapest car insurance companies after an at-fault accident in Superior include State Farm and USAA, offering $303 and $412, respectively. Allstate is an expensive provider with an average six-month premium of $987.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$303	$51
USAA	$412	$69
Farmers	$424	$71
American National	$600	$101
Allstate	$987	$166

Superior Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Superior WY. For example, the car insurance in Superior 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.

Superior 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 Superior 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 Superior.

The cheapest car insurance premiums in Superior are offered by State Farm at $606 for a six-month policy. However, it can be as expensive as $2339 with companies like MetLife.

Superior car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$606	$102
USAA	$721	$121
American National	$763	$129
Allstate	$1175	$198
Farmers	$1757	$296
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 Superior are offered by State Farm at $424. However, it can be as expensive as $1442 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Superior after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$424	$71
Farmers	$594	$100
USAA	$643	$109
American National	$884	$148
Allstate	$1442	$245

Car Insurance Price Trends in Superior, Wyoming

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

The average cost of full coverage in the Superior rose by $163 in January compared to $154 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 Superior 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 Superior?

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

What is the cheapest car insurance in Superior?

The cheapest car insurance in Superior is $86 per month for full coverage.

How much is car insurance in Superior for teenagers?

Car insurance for teenagers costs $787 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 Superior?

The average cost of car insurance is $763 for a six-month policy. It will cost around $131 per month to insure your car in Superior.

Is car insurance expensive in Superior?

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

What is the best car insurance in Superior, WY?

The best car insurance company in Superior WY is American National, offering $509 for a six-month policy.