How Much Does Auto Insurance Cost for Teenage Females in Wyoming?

The type of vehicle requiring insurance is probably the largest consideration that determines whether or not you find cheap auto insurance for teenage females in Wyoming. Vehicles with high performance engines, poor passenger safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer models. The information below outlines auto insurance costs for a handful of the more afforable automobiles to insure in Wyoming.

Price data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wyoming minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in specific zip code location which can influence price quotes greatly.

Data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wyoming minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in specific Wyoming garaging location which can modify auto insurance rates considerably.

Data variables include single female driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wyoming minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in garaging location in Wyoming which can increase or decrease coverage rates greatly.

Buying affordable auto insurance is challenging, and deciding which company quotes the cheapest insurance rates for teenage females takes even more work. Prices should be much more expensive than the average policy in Wyoming, with the higher price attributed to the potential for higher claims related to offering insurance for teen girls, but competitively-priced coverage may be attainable if you carefully shop around. Each auto insurance company uses a little different formula for establishing rates, so first we will examine the insurance companies that tend to have lower prices in Wyoming.

It’s important to know that Wyoming insurance rates are calculated based on many things which can significantly increase or decrease the price of your policy. Price variation is why Wyoming drivers need to perform a complete rate comparison to find the cheapest auto insurance quotes for teenage females. Car insurance prices are made up of many things and can change substantially, so the most economical company when you bought your policy may now not even be in the top five.

Lowest Insurance Price Quotes for Teens

Compare Rates and Save

google.charts.setOnLoadCallback(drawWYT5qcibChart);function drawWYT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 650, ‘#33CF8F’], [‘Safeco’, 908, ‘#2AAC77’], [‘The Hartford’, 934, ‘#238F63’], [‘GEICO’, 978, ‘#1D7752’], [‘National Farmers Union’, 1000, ‘#186344’]]);var options = {title: ‘Most Affordable 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:1100,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 offers some of the most affordable car insurance rates in Wyoming at around $650 annually. Safeco, The Hartford, GEICO, and National Farmers Union would also be considered some of the more affordable Wyoming auto insurance companies.

As depicted above, if you are a policyholder with The Hartford and switched to USAA, you may realize a yearly savings of approxmiately $284. Drivers with GEICO may save as much as $328 a year, and National Farmers Union customers might lower prices by $350 a year.

Remember that these estimates are averages for all insureds and vehicles and do not factor in a rate surcharge for teenage females. So the auto insurance company that can offer you the lowest price may not even be in the list of companies shown earlier. That emphasizes why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

Driving violations and accidents

In a perfect world, the ideal way to maintain cheap insurance prices in Wyoming for teen girls is to be a careful driver and not receive tickets or have accidents. The illustration below demonstrates how speeding tickets and at-fault claims can raise auto insurance rates for different ages of insureds. The premium estimates are based on a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2729,3327,3927],[‘Age 30’, 1429,2027,2627],[‘Age 40’, 1379,1975,2577],[‘Age 50’, 1263,1861,2461],[‘Age 60’, 1237,1835,2439],[‘Age 70’, 1433,2029,2631]]);var options = {title: ‘Effect of Tickets and Accidents on Wyoming Insurance Prices’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data in the chart shows the average cost of auto insurance in Wyoming per year with no accidents or violations is $1,578. Factor in two speeding tickets and the average cost hikes up to $2,176, an increase of $597 each year. Then include one accident along with the two speeding tickets and the 12-month cost of insurance for teenage females jumps again to an average of $2,777. That’s an increase of $1,199, or $100 per month, just for not driving safely!

Which auto insurance company is best?

If you want the best car insurance for teen girls in Wyoming, four companies to consider are Allstate, Geico, Progressive, and State Farm. All of them offer liability and physical damage protection, but each on has different optional coverages and features that policyholders can choose from. The table below compares and contrasts ratings and policy coverage options that may be available in your state.

How to get cheap auto insurance for teenage females in Wyoming

It’s not impossible to find cheaper rates, and here are some money-saving ideas that can help drivers quote the cheapest car insurance.

• Full coverage is expensive so only insure older vehicles for liability only
• The safer your car, the less it costs to insure
• Keep your driving record clean
• Avoid accidents
• Improve your credit score
• Raise deductibles to save money
• Shop your coverage around for the best deal

The last tip is particularly valuable, as we emphasized in the prior article. Prices charged by companies in Wyoming go up and down frequently, so don’t hesitate to switch to a new company if you find a better deal.

Brand loyalty is great, but is isn’t recommended if your bullheadedness ends up costing you hundreds of dollars a year. Now is a great time to compare prices to find cheaper auto insurance for teenage females.