Who Has the Cheapest Car Insurance Quotes for Police Officers in Wyoming?

One of the many criteria that establish the amount you pay for auto insurance is where you live in Wyoming. Densely populated urban areas like Newcastle, Jackson, and Laramie likely pay more, whereas areas with less traffic congestion and claims benefit from lower prices.

The illustration below lists the more expensive cities in Wyoming for police officers to buy car insurance in.

Premium amounts are comparative as the specific geographic location can alter prices substantially.

The make and model of vehicle you are insuring is probably the largest consideration when shopping for the cheapest auto insurance for police officers in Wyoming. Vehicles with higher performance characteristics, a lack of safety features, or high incidents of liability claims will cost much more to insure than more economical and safe models.

The next table ranks auto insurance prices for some of the more afforable vehicles to insure.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Estimates do not factor in specific location information which can impact coverage rates substantially.

Based upon the table data, we can infer that cars like the Honda Accord, Ford Escape, Honda CR-V, and Ford F-150 are going to be some of the less-costly vehicles to insure for law enforcement personnel.

Trying to buy cheap insurance is not the easiest thing to accomplish, and finding out which insurers offer the cheapest auto insurance rates for police officers calls for even more work. Rates will more than likely be moderately cheaper than the average rate in Wyoming, with the lower price attributed to the potentially lower risk related to offering coverage for law enforcement personnel. Economical coverage should be easy to buy without having to search too hard.

Each insurer has a proprietary method to set their prices, so let’s take a look at the most affordable auto insurance companies in Wyoming. Keep in mind that Wyoming auto insurance rates are calculated based on many things that can increase the cost of your policy. This price variability is why consumers need to shop around when trying to get the cheapest insurance quotes for police officers. Rates are determined by many things and can change without notice, so the best option when you bought your policy may now be quite expensive.

Find Cheaper Auto Insurance for Law Enforcement

Compare Rates Now

USAA normally has some of the cheapest car insurance rates in Wyoming at around $643 annually. Safeco, The Hartford, National Farmers Union, and GEICO also rank well as some of the best Wyoming insurance companies.

In the above rates, if you currently have a policy with The Hartford and switched to USAA, you might see savings of approxmiately $309. Drivers with National Farmers Union might save as much as $337 a year, and GEICO insureds might reduce rates by $345 a year.

It’s important to note that these policy rates are averaged across all ages of drivers and types of vehicles and are not factoring in a price decrease for police officers. So the car insurance company that is most affordable for your situation may not even be in the list of companies above. That points out the importance of why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

Discount Wyoming auto insurance rates

Insurance providers that provide the cheapest auto insurance for police officers in Wyoming may provide special discounts that can reduce rates by 40% or more if you meet eligibility requirements. The best auto insurance companies and a summarized list of policyholder discounts include:

The information below illustrates the comparison of car insurance costs with and without discounts applied to the rates. The data is based on a male driver, no violations or accidents, Wyoming state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, passive restraint, anti-theft, defensive driving course, homeowner, and claim-free discounts applied. When drivers qualify for the discounts, the average amount saved each year on auto insurance for police officers is 33% or $681.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3561,2567],[‘Age 30’, 1853,1349],[‘Age 40’, 1833,1333],[‘Age 50’, 1667,1211],[‘Age 60’, 1611,1169],[‘Age 70’, 1949,1405]]);var options = {title: ‘Insurance Rate Comparison for Police Officers’,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 Auto Insurance Cost for Average Vehicle’,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);}

Full coverage rates compared to liability-only

Finding the cheapest auto insurance for police officers in Wyoming is important to the majority of drivers, and one of the quickest ways to lower the cost of insurance is to buy only liability coverage. The chart below visualizes the comparison of auto insurance costs when comparing full coverage to liability only. The premiums are based on no claims or driving citations, $500 deductibles, single status, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 2869,1085],[‘Age 30’, 1515,597],[‘Age 40’, 1479,553],[‘Age 50’, 1349,519],[‘Age 60’, 1309,509],[‘Age 70’, 1609,679]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Wyoming’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

Averaged for all age groups, comprehensive and collision coverage on your policy costs $1,688 per year over and above liability coverage. That touches on the question when is it a good idea to stop buying full coverage. There isn’t a written rule for eliminating physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.

Which car insurance company is best?

If you want reliable auto insurance for law enforcement personnel, four of the best places to start are State Farm, Geico, Progressive, and Allstate. When combined, they have about half of all car insurance policies in America. The next table ranks some of the different features that are available for policyholders.