Cheapest car insurance companies in Casper
According to a study by Insurance.com, the cheapest car insurance companies in Casper for 2023 are American National Finance and State Farm.
In Casper, American National Finance provides the cheapest auto insurance rates to drivers at an average annual premium of $866 annually.
Car insurance costs may vary in Casper based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Casper.
| Companies | Average annual rates |
|---|---|
| American National Finance | $866 |
| USAA | $1,168 |
| State Farm | $1,499 |
| Farmers | $1,756 |
| Geico | $2,215 |
| Allstate | $2,840 |
Cheapest car insurance cost in Casper by Age Group
In Casper, American National Finance is the cheapest car insurance company for teenagers, offering full coverage policies at $2,870 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads.
Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.
When compared to other car insurance companies, American National Finance turned out to be the cheapest car insurance company for young drivers in Casper, offering full coverage at an annual average cost of $1,328.
Drivers in Casper stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. American National Finance has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $803 a year.
With an average annual premium of $936, American National Finance offers Casper's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| American National Finance | $2,870 | $1,328 | $803 | $936 |
| USAA | $3,496 | $1,819 | $1,181 | $1,150 |
| State Farm | $4,272 | $2,518 | $1,456 | $1,350 |
| Farmers | $4,319 | $3,309 | $1,736 | $1,844 |
| Geico | $5,401 | $3,422 | $2,187 | $2,707 |
| Allstate | $9,912 | $4,290 | $2,812 | $2,821 |
Cheapest car insurance companies in Casper by driver profile
Insurers in Casper consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.
To find the cheapest car insurance company in Casper, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
Here's a list of car insurance companies that offer cheap insurance rates in Casper based on driver profile.
- Cheapest for a driver with poor credit: Farmers
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Farmers
The cheapest car insurance company for a driver with poor credit is Farmers. It offers auto insurance for Casper drivers at about $2,110 per year.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| Farmers | $2,110 |
| State Farm | $2,322 |
| Geico | $2,612 |
| USAA | $3,144 |
| Allstate | $4,031 |
Cheapest for drivers with a speeding ticket: USAA
Based on recent data analysis, 30-year-old drivers in Casper with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $1,256.
Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.
| Company | Average annual premium |
|---|---|
| USAA | $1,256 |
| State Farm | $1,526 |
| Farmers | $1,919 |
| Allstate | $2,988 |
| Geico | $3,769 |
Cheapest auto insurance after an at-fault accident: USAA
According to Insurance.com's analysis, USAA tops the list of cheap car insurance providers in Casper for drivers involved in at-fault accidents, with an average annual cost of $1,460. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget.
| Company | Average annual rates |
|---|---|
| USAA | $1,460 |
| State Farm | $1,652 |
| Farmers | $2,462 |
| Geico | $3,082 |
| Allstate | $3,723 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the carrier that offers cheap auto insurance rates in Casper for drivers after a DUI. Its average annual rate for full coverage is $1,526.
Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $1,526 |
| USAA | $2,198 |
| Allstate | $3,566 |
| Farmers | $5,449 |
| Geico | $7,343 |
Average car insurance cost in Casper
Full coverage car insurance in Casper for a coverage limit of 100/300/100 is $1,724 per year or $144 per month, while the state minimum coverage costs an average of $346 a year.
You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,724 | $346 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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