Cheapest Car Insurance Quotes in Worland

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406,175 Policies Sold

Worland 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 Worland

The car insurance rate in Worland is $763 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $499, making it a popular choice for budget-conscious drivers. Rates in Worland 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 Worland

$763

Avg. Car Insurance in Wyoming

$763

National Average

$1278

Cheapest Car Insurance Companies in Worland

1st place: American National

At $499 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 $570 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 Worland.

Worland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Worland, WY is American National, offering policies at just $499 for a six-month term. This is followed by USAA, which has an average six-month premium of $570.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1176 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Worland drivers find the best deals.

Cheap Car Insurance Companies in Worland, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$499	$84
USAA	$570	$96
State Farm	$618	$104
Farmers	$731	$123
MetLife	$986	$164
Allstate	$1176	$198

Key Takeaways

Way's key takeaways about car insurance in Worland

The auto insurance costs in Worland fall around $499 for six months.
The cheapest auto insurance company in Worland is USAA.
Teen drivers pay the highest rate in Worland at $742 per month.

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Cheapest Minimum Liability Car Insurance in Worland

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 Worland are given below.

USAA provides the cheapest minimum car insurance coverage in Worland. Their Average 6 Month Premium is $95. Allstate is the most expensive at $285 for the same period.

Cheapest Liability Coverage in Worland, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$95	$16
American National	$107	$18
State Farm	$119	$20
MetLife	$172	$29
Farmers	$184	$31
Allstate	$285	$48

Cheapest Full Coverage Car Insurance in Worland

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 Worland is American National at $84 per month and $499 for six months.

Cheapest Full Coverage Car Insurance Quotes in Worland, WY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$499	$84
USAA	$570	$96
State Farm	$618	$104
Farmers	$731	$123
MetLife	$986	$164
Allstate	$1176	$198

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Average Car Insurance in Worland 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 Worland, WY increasing?

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

Car Insurance Premiums by Age in Worland

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 Worland,WY

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Worland at $130 per month. At $4449 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$772	$130
State Farm	$796	$134
USAA	$843	$142
Farmers	$1051	$177
Allstate	$4449	$742

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 Worland, State Farm is the cheapest car insurance provider. At $642 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 Worland is Allstate, offering rates of around $1877 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$642	$108
Farmers	$659	$111
American National	$832	$141
USAA	$1639	$273
Allstate	$1877	$319

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Car Insurance Rates with An Accident in Worland

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

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

The cheapest car insurance companies after an at-fault accident in Worland include State Farm and USAA, offering $297 and $404, respectively. Allstate is an expensive provider with an average six-month premium of $968.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$297	$50
USAA	$404	$68
Farmers	$416	$70
American National	$588	$99
Allstate	$968	$163

Worland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Worland WY. For example, the car insurance in Worland after a DUI increases to $546 for a six month policy. While the rate increases by $178 for a six-month policy in the case of a speeding ticket.

Worland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$796	$133
One Med/PIP claim	$796	$135
One comp claim	$849	$142
Two Med/PIP claims	$849	$144
Driving without lights	$867	$145
Not-at-fault accident	$873	$148
Cell phone violation	$885	$148
Texting while driving	$885	$150
Failure to show documents	$891	$149
Failure to wear a seat belt	$891	$152
Child safety restraint	$897	$149
Driving with expired registration	$897	$153
Failure to stop at a red light	$903	$150
Failure to yield	$903	$154
Following too closely	$903	$150
Illegal turn	$903	$154
Wrong way/wrong lane	$903	$150
Improper passing	$909	$155
Passing school bus	$927	$154
Two comp claims	$950	$162
Open container	$956	$159
Driving too slowly	$974	$166
In 65 MPH zone	$974	$162
Speeding 11 - 15 MPH over limit	$974	$166
Speeding 16 - 20 MPH over limit	$974	$162
Speeding 21 - 25 MPH over limit	$974	$166
Speeding 6 - 10 MPH over limit	$974	$162
Speeding in school zone	$974	$166
Operating a vehicle without permission	$1034	$172
At-fault accident - less than $1000	$1063	$181
At-fault accident - $1000-$2000	$1081	$180
At-fault accident - greater than $2000	$1081	$184
Racing	$1236	$206
Driving with a suspended license	$1265	$215
Reckless driving	$1271	$212
Refusal to submit to a chemical test	$1301	$221
DUI	$1342	$224
Leaving scene of an accident/hit and run	$1354	$230

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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 Worland 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 Worland.

The cheapest car insurance premiums in Worland are offered by State Farm at $594 for a six-month policy. However, it can be as expensive as $2293 with companies like MetLife.

Worland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$594	$100
USAA	$707	$119
American National	$748	$126
Allstate	$1152	$194
Farmers	$1723	$290
MetLife	$2293	$382

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 Worland are offered by State Farm at $416. However, it can be as expensive as $1414 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Worland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$416	$70
Farmers	$582	$98
USAA	$630	$107
American National	$867	$145
Allstate	$1414	$240

Car Insurance Price Trends in Worland, Wyoming

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

The average cost of full coverage in the Worland rose by $160 in January compared to $151 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 Worland 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 Worland?

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

What is the cheapest car insurance in Worland?

The cheapest car insurance in Worland is $84 per month for full coverage.

How much is car insurance in Worland for teenagers?

Car insurance for teenagers costs $772 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 Worland?

The average cost of car insurance is $763 for a six-month policy. It will cost around $128 per month to insure your car in Worland.

Is car insurance expensive in Worland?

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

What is the best car insurance in Worland, WY?

The best car insurance company in Worland WY is American National, offering $499 for a six-month policy.