Who Has Cheap Insurance for a Ford F-150 in Wyoming?

When writing about shopping for car insurance, the words “affordable” or “cheap” should never appear anywhere in the article as a descriptor for auto insurance rates. Nonetheless, cheap car insurance for a Ford F-150 can be hard, if not impossible, to find. But don’t let that discourage you, because we will tell you how you can still get car insurance that you can afford.

The chances that you’ll find affordable car insurance for a Ford F-150 in Wyoming is dependent upon lots of different rating factors such as how far you drive to work, if you have a coverage lapse, and any prior driving offenses. Drivers pay on average $1,340 a year to insure their F-150, but that is a ballpark figure that uses a 40-year-old single male who needs full coverage including both comprehensive and collision and $250 physical damage deductibles.

It’s highly likely you may not be 40 years old (or even male), you might be married instead of single, or maybe you just want liability only. Everyone has unique insurance needs, and this illustrates why the only real way to find the cheapest coverage for your Ford is to compare rates from as many companies as possible. It only takes a few minutes and you will be able to compare rates from some of the cheapest companies in Wyoming.

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The trim level of your vehicle will have an impact the cost of insurance, so the cost to insure a F-150 XL Regular Cab 2WD model will be $392 less than the insurance cost for the high end F-150 Lariat Crew Cab Platinum 4WD version, as shown in the prices below.

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Wyoming minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Table data does not factor in Wyoming location which can raise or lower auto insurance rates significantly.

Figuring out which company offers the lowest-priced auto insurance rates for a Ford F-150 will involve a little more effort in order to find coverage that fits your buget.

Every car insurance company has a unique approach for establishing rates, so we will examine the overall cheapest auto insurance companies in Wyoming. It’s important that readers know that Wyoming auto insurance rates are based on many factors which can significantly increase or decrease the price you have to pay for coverage. Simply getting older, moving to a new city, or getting a driving violation can trigger rate changes that can cause some rates to be cheaper than competitors.

Find the Cheapest Auto Insurance for your F-150

Compare Rates and Save

google.charts.setOnLoadCallback(drawWYT5qcibChart);function drawWYT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 624, ‘#F05050’], [‘Safeco’, 908, ‘#C84242’], [‘The Hartford’, 952, ‘#A63737’], [‘GEICO’, 978, ‘#8A2D2D’], [‘National Farmers Union’, 1010, ‘#732525’]]);var options = {title: ‘Low-Cost Auto Insurance Companies in Wyoming’,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(‘qcibt5cic’));chart.draw(view, options);}

USAA generally has some of the lowest car insurance rates in Wyoming at around $624 per year. Safeco, The Hartford, GEICO, and National Farmers Union also qualify as some of the lowest-priced Wyoming auto insurance companies.

As the rates illustrate above, if you currently have coverage with GEICO and switched to USAA, you could earn yearly savings of in the vicinity of $354. Policyholders with National Farmers Union may save as much as $386 a year, and State Farm customers might reduce prices by as much as $399 a year.

To find out how much you can save, click here to start your custom quote or click through to the companies below.

Remember that these premium estimates are averaged across all types of insureds and vehicles and are not factoring in a specific rate value for a Ford F-150. So the insurer that fits your age and vehicle best may not even be in the above rate chart. That points out the importance of why you need to get quotes using your own driver and vehicle profiles.

Impact of citations and accidents on Wyoming insurance rates

In a perfect world, the best way to receive low auto insurance prices for a F-150 pickup is to be a good driver and avoid traffic citations and accidents. The example below demonstrates how traffic citations and accidents can raise yearly insurance costs for different age groups. The rates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.

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In the prior example, the average cost of auto insurance in Wyoming per year with a clean driving record and no accidents is $1,919. Get one speeding ticket and the average cost jumps to $2,233, an increase of $314 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Ford F-150 increases to an average of $3,110. That’s an increase of $1,191, or $99 per month, just for not driving carefully!

Allstate, Geico, Progressive, or State Farm: Who is best?

When shopping around for insurance for a F-150 pickup in Wyoming, the companies that insure more vehicles than anyone else are Allstate, Geico, Progressive, and State Farm. When combined, they insure about 50% of all car insurance policies written. All of them have unique options and discounts that add value to each policy. The following table illustrates price, claims, and customer service ratings, as well as some optional coverages that are available for policyholders.

How to get cheap insurance for a Ford F-150 in Wyoming

Lowering your rates is not difficult, and here are some of the recommended penny-pinching ideas that can help you locate cheap car insurance.

• Buy vehicles with good safety ratings
• Accident-free drivers may qualify for discounts
• Raise your physical damage coverage deductibles
• Speeding tickets and other violations increase rates
• Clean up your credit rating
• Shop around once a year for cheaper rates

The last idea is extraordinarily critical, as we pointed out in the article above. Auto insurance prices change a lot, so drivers shouldn’t be reluctant to switch companies if you can find a cheaper rate.

Many drivers prefer to stick with one company, but it isn’t a good idea if that loyalty results in overpaying a fortune every year. Take a couple minutes and shop around and find cheaper car insurance for a Ford F-150.