How Much Does Car Insurance Cost for Drivers with a DUI in Wyoming?

When shopping for cheaper insurance after getting a DUI, one of the many components that control the amount you pay for auto insurance is where your residence is in Wyoming. Regions with more people or even just more weather-related claims like Newcastle, Lander, and Douglas tend to have more expensive car insurance rates, whereas less populated areas have the gratification of cheap auto insurance for drivers with a DUI in Wyoming.

The next table displays the most expensive areas in Wyoming for drivers with a DUI to buy an auto insurance policy in.

Annual rates are estimated as the specific geographic location can impact auto insurance rates significantly.

The safety and performance level of the vehicle requiring insurance is one of the primary factors when shopping around for cheap auto insurance for drivers with a DUI in Wyoming. Vehicles with limited speed and performance, modern passenger safety features, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models. The data below outlines car insurance costs for a number of the more afforable vehicles to buy coverage for.

Premium data assumes single male driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in your specific Wyoming location which can alter price quotes noticeably.

Prices based on single male driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, and homeowner. Rate quotes do not factor in specific Wyoming garaging location which can increase or decrease coverage prices significantly.

Data based on single male driver age 30, two speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, and claim-free. Rates do not factor in vehicle garaging location which can raise or lower auto insurance rates considerably.

Finding cost effective car insurance is not the easiest thing to accomplish, and deciding which companies have the lowest-priced insurance rates for drivers with a DUI involves even more rate comparisons. Insurance prices will more than likely be much more than the state average attributed to the posibility of more claims related to selling insurance after getting a DUI, but reasonably-priced insurance may be attainable if you carefully shop around. Every insurance company has a different process to set their prices, so to begin we’ll rank the overall cheapest insurance companies in Wyoming.

Keep in mind that Wyoming insurance rates are based on many factors that will increase or decrease the policy premium. This price variation is why it is critical to compare lots of rates when trying to get affordable auto insurance rates for drivers with a DUI. Insurance rates can be determined by many factors and change dramatically, so the most affordable company when you bought your policy may now not even be in the top five.

Cheap Insurance Rates after a DUI

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USAA quotes some of the lowest car insurance rates in Wyoming at around $624 a year. Safeco, The Hartford, National Farmers Union, and GEICO are also some of the more affordable Wyoming car insurance companies.

In the above example, if you buy coverage from National Farmers Union and switched to USAA, you might see savings of around $376. Drivers with GEICO could save as much as $384 a year, and State Farm customers might see rate reductions of $419 a year.

To see how much you can save, click here or quote prices from the following companies.

These rates are averages for all types of insureds and vehicles and do not take into consideration a rate surcharge for drivers with a DUI. So the auto insurance company that can offer you the best rate may not even be included in the above rate chart. That point stresses why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

Discounts on cheap auto insurance for drivers with a DUI in Wyoming

Car insurance companies that provide policies for drivers with a DUI may also offer discounts that may potentially lower prices by as much as 25% or more if you meet eligibility requirements. A list of insurance companies and their offered discounts are shown below.

• State Farm may have discounts that include passive restraint, multiple autos, safe vehicle, driver’s education, good driver, accident-free, and good student.
• Farmers Insurance may include discounts for business and professional, distant student, mature driver, electronic funds transfer, multi-car, and teen driver.
• GEICO policyholders can earn discounts including daytime running lights, multi-policy, multi-vehicle, anti-theft, five-year accident-free, and membership and employees.
• American Family includes discounts for TimeAway discount, defensive driver, Steer into Savings, good driver, bundled insurance, and accident-free.
• Nationwide offers premium reductions for business or organization, Farm Bureau membership, easy pay, accident-free, family plan, anti-theft, and defensive driving.
• Progressive has savings for homeowner, online quote discount, good student, multi-policy, online signing, multi-vehicle, and continuous coverage.

The information below compares annual premium costs with and without discounts applied to the policy premium. The prices are based on a male driver, one citation and no at-fault accidents, Wyoming state minimum liability limits, comp and collision included, and $1,000 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second shows the rates with anti-theft, vehicle safety, homeowner, paid-in-full, multiple vehicle, and paperless filing discounts applied. When these discounts are applied to the policy premium, the the amount saved on insurance for drivers with a DUI is 28% or $474.

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The example below shows how different deductible levels can raise or lower premium costs when getting quotes for cheap insurance for drivers with a DUI. The premiums are based on a married male driver, full coverage, and no discounts are applied.

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A 40-year-old driver could save $252 a year by changing from a $100 deductible up to a $500 deductible, or save $378 by switching to a $1,000 deductible. Youthful drivers, like the 20-year-old category, can save as much as $830 each year by choosing a larger deductible amount. When increasing deductibles, it is essential to have emergency funds available to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Best cheap insurance quotes after getting a DUI

Thanks to technology, there are a lot of ways to quote cheap insurance rates in Wyoming, but the most preferred methods are through a non-exclusive or independent agent, a captive (or exclusive) agent such as Liberty Mutual or State Farm, or direct either online or via phone. You can use whichever you prefer, but they differ in how they work.

Independent insurance agents work for many companies and can provide price quotes from each one. These agents are not restricted to one company and can provide you with more rates, which can give you more bang for your buck. If you want to switch companies, your policy is moved internally which prevents you from having to switch agents.

An agent who is captive is only able to write business for one company, a couple examples are a State Farm or Liberty Mutual agent. This type of agents cannot compare rates from other companies, so it’s a good idea to get additional quotes.

Opting to purchase insurance direct means you do not use local agents and buy direct either online or via phone. Buying insurance direct can be good for people who do not need complex risk management and have knowledge of what is covered and what is not.

So which one of the three ways works best to buy cheap auto insurance for drivers with a DUI in Wyoming? It would be premature to say buying from a direct car insurance company saves money because you bypass the middleman, but unfortunately, it’s not that simple. We’d also like to say buying from an independent agent guarantees the best prices because they can shop around, but that assumption is also not accurate. For some people, exclusive agents have extremely competitive rates that cannot be beaten by either independent or direct companies.

Since insurance prices are based on many different factors, the only true way to get the cheapest rates is to compare, compare, and compare some more. Make the effort to get prices from all three types to give yourself enough choices. A great place to start is our list of online companies offering discounts: click here to view.

Find cheap auto insurance for drivers with a DUI in Wyoming

The list below summarizes a few thrifty solutions that can help Wyoming drivers get cheap coverage.

• On older vehicles, drop full coverage
• Do not file small claims
• Remain accident-free and save
• Be a cautious driver
• Increase deductibles to save money
• Compare rates regularly and switch companies to save money

The last tip in the list is especially crucial, as we hit on in the prior article. Insurance prices change a lot, so drivers shouldn’t hesitate to change insurance companies if a cheaper rate is available. Brand loyalty is great, but we do not recommend it if that loyalty ends up costing a fortune every year. Take a few minutes and compare prices to find cheaper car insurance for drivers with a DUI.