How Much Does Insurance Cost for a Honda Accord in Wyoming?

Our editors have a joke that when writing about auto insurance, the words cheap or affordable should never be used anywhere in the article as a descriptor for car insurance rates. Forgive the oxymoron, but cheap auto insurance for a Honda Accord just does not exist. But don’t let that discourage you, because we will teach you how you can quote and buy coverage that is cheaper than what you have now.

The chances that you’ll find cheaper insurance for a Honda Accord in Wyoming is dependent upon a pretty complex algorithm that uses a lot of factors such as your marital status, if you are a frequent claim filer, and deductible levels for physical damage coverage. Wyoming drivers on average pay approximately $840 annually to insure their Accord, but that rate is an estimation that uses rate data for a 50-year-old single female driver who needs full physical damage coverage and $1,000 policy deductibles.

There’s a high likelihood you aren’t exactly 50 years old or even a female, you might be married instead of single, or maybe your Accord is a different trim level than the example. This illustrates why the only way to find the most affordable coverage for your Honda is to shop your policy around at every renewal. Rate quotes are easy and you will get price quotes from top-rated companies around.

Compare Honda Accord Insurance Rates

The trim level of your Honda tends to impact the insurance rate, so the price you pay to insure a Accord LX 4-Dr Sedan model will cost $294 less than the price to insure the more costly Accord EX-L 2-Dr Coupe trim level, as demonstrated by the prices below.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Information does not factor in Wyoming location which can lower or raise prices noticeably.

Buying coverage from the best insurance company can be a challenge considering how many companies are available to choose from in Wyoming. The rank data in the next section can help you analyze which insurers you want to consider shopping prices with.

The ratings below only include large insurance companies, so companies that only write business in Wyoming or surrounding areas are not included in this list. If you would like to check rates from these top-rated insurers and more, follow this link.

Top 10 Large Auto Insurers Overall in Wyoming

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Progressive
9. Allstate
10. Nationwide

Top 10 Large Auto Insurers in Wyoming Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. The Hartford
9. The General
10. 21st Century

Top Companies for Honda Accord Insurance in Wyoming

Discount Wyoming car insurance

Insurance providers that offer cheap insurance for a Honda Accord in Wyoming may provide policy discounts that could lower prices by as much as 35% or more if you are eligible to receive them. Companies and a summarized list of policyholder discounts are included below.

The chart below shows the difference between car insurance rates with and without policy discounts. The price estimates are based on a male driver, no claims or driving violations, Wyoming state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, multiple vehicle, passive restraint, safe-driver, marriage, and multiple policy discounts applied. When taking advantage of discounts, the the average yearly reduction on insurance for a Honda Accord is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3517,2535],[‘Age 30’, 1829,1331],[‘Age 40’, 1809,1315],[‘Age 50’, 1645,1197],[‘Age 60’, 1589,1155],[‘Age 70’, 1927,1389]]);var options = {title: ‘Comparison of Insurance Rates for a Honda Accord’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Honda Accord’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Compare quotes and save

Wyoming insurance rates are impacted by many factors that control the cost of a policy. Getting older, filing a claim, or getting a reckless driving citation can trigger rate changes that may make certain companies more affordable than others.

In addition, companies amend pricing every year or even multiple times each year to help ensure profitability. Higher than normal claim frequency or severity can result in rate hikes, while a better loss history can result in cheaper Accord insurance rates.

The graph below shows a variety of companies that have the cheapest car insurance in Wyoming for a 45-year-old male driver with no prior claims, no tickets, and a good credit history. If we estimate prices based on his personal risk profile, USAA quotes the most affordable car insurance rates in Wyoming at $650 each year. This is $470 less than the average policy premium paid by Wyoming drivers of $1,120. The Hartford, Safeco, GEICO, and National Farmers Union are the remainder of the most affordable Wyoming auto insurance companies.

google.charts.setOnLoadCallback(drawWYWitcqcibChart);function drawWYWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 650, ‘#187C6B’],[‘The Hartford’, 924, ‘#146759’],[‘Safeco’, 936, ‘#10554A’],[‘GEICO’, 988, ‘#0D463D’],[‘National Farmers Union’, 1010, ‘#0A3A32’]]);var options = {title: ‘Cheapest Insurance for a Honda Accord’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1110,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now we will pretend the driver from above a claim or two, bad credit, and a few traffic violations. Due to the fact that every auto insurer has a unique approach for determining prices, analyzing rates may now show a different ranking of companies as shown below.

google.charts.setOnLoadCallback(drawWYWcqcibChart);function drawWYWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Grange’, 1183.6, ‘#C76400’],[‘The Hartford’, 1386, ‘#A55300’],[‘Safeco’, 1497.6, ‘#894500’],[‘National Farmers Union’, 1515, ‘#723900’],[‘State Farm’, 1518, ‘#5F2F00’]]);var options = {title: ‘Best Rates with Imperfect Driving Record’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1618,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Grange now has the lowest price in Wyoming with The Hartford, Safeco, National Farmers Union, and State Farm now rounding out the top five. This illustrates why it is important to perform an extensive rate comparison when trying to find the most economical auto insurance rates for a Honda Accord.

Rates are calculated by many things and change dramatically, so the most economical option two years ago may now be one of the more expensive options.

How to find cheap insurance for a Honda Accord in Wyoming

The list below shows some of the recommended thrifty suggestions that can help drivers quote more affordable auto insurance.

• Save money by insuring older vehicles for liability only
• Buying home and auto together can help save money
• Vehicles with safetly features generally cost less to insure
• Improve your credit score
• At-fault accidents will increase rates
• Compare quotes from other companies often

The last item on the list is extremely important, as was stressed in the prior article. Prices charged by auto insurers in Wyoming fluctuate constantly, so don’t be hesitant to switch companies if you can find a cheaper rate. Many consumers stick with the same company and that’s fine, but it’s not a good idea if that loyalty ends up costing hundreds every year. It only take a few minutes to compare prices to find cheaper auto insurance for a Honda Accord.

Cheapest Honda Accord insurance quotes

Drivers have a lot of different ways to find affordable insurance in Wyoming, but the most frequently used are through an exclusive insurance agent like Allstate or Auto-Owners, an independent or non-exclusive agent, or direct either online or via phone. They all follow the same basic process, but they differ slightly in how they work.

Independent insurance agencies have contracts with multiple insurance companies and can quote your policy with each one. These agents do not write with just one company and can provide you with more rates, which may provide you with more bang for your buck. If they find a lower price, it’s easy for the agent to move the policy and that require little work on your part.

A captive or exclusive agent is only able to quote your policy with one company, examples being Liberty Mutual and Allstate agents. Exclusive agents generally are unable to place coverage with different providers, which necessitates shopping around.

The last way is buying direct, which means you skip an agent and instead shop buying direct from a company like Esurance or Progressive. Shopping for insurance direct is a good choice for drivers who do not have a lot of assets and have an above average understanding of what limits they need.

So which one of the three ways works best to find cheap insurance for a Honda Accord in Wyoming? One answer would be buying from a direct company results in the cheapest price since that eliminates agent commissions, but unfortunately, it’s not that simple. A valid argument could also be made that buying from an independent agent guarantees the best prices because they can shop around, but that assumption is not true either. And sometimes, the exclusive agents may have very competitive prices that are the lowest in Wyoming.

Because of the variability of insurance rates, the best method to buy the cheapest policy is to compare lots of quotes. We recommend you get rate quotes from all three in order to have the best selection to choose from. For a list of insurance companies with low rates, click here to view.