Who Has Cheap Auto Insurance Quotes for a 20 Year Old Female in Wyoming?

Our editors always tell us that when writing about auto insurance, the words cheap or affordable should not appear as a descriptor for car insurance rates. Please forgive the oxymoron, but cheap car insurance for 20 year old women can be difficult to find. We’ll try to make it up to you, because we will teach you how you can find and buy insurance that doesn’t break your budget.

The safety and performance level of the vehicle you are buying coverage for is one of the biggest factors that determines the availablility of cheap car insurance for 20 year old women in Wyoming. Vehicles with average performance, a great safety record, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models. The data below ranks insurance costs for a selection of the most economical vehicles to insure.

Table data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific Wyoming garaging location which can alter premium rates substantially.

Data based on single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific location information which can impact insurance rates significantly.

Price data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in your specific Wyoming location which can revise coverage prices considerably.

Establishing which companies offer the cheapest insurance rates for 20 year old women calls for a bit more work in order to find the best policy. Each auto insurer has a proprietary formula to set policy rates, so let’s rank the lowest cost insurance companies in Wyoming.

Find the Cheapest Car Insurance for Women Age 20

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USAA may offer some of the cheapest car insurance rates in Wyoming at around $631 annually. Safeco, The Hartford, GEICO, and National Farmers Union would also make the list of some of the cheaper Wyoming insurance companies.

As shown in the rates above, if you currently buy coverage from Safeco and switched to USAA, you might see an annual premium reduction of in the vicinity of $287. Policyholders with The Hartford may save as much as $303 a year, and GEICO insureds might reduce prices by as much as $357 a year.

To discover how much you can save, click here to get a free quote or feel free to get quotes from the companies below.

These estimates are averages across all types of drivers and the different vehicles they drive and do not factor in a price increase for 20 year old women. So the company that is best suited for you may not even be shown in the list above. That point stresses why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.

Which car insurance company is best?

When it comes to buying car insurance for young women in Wyoming, the top insurers to get price quotes from are State Farm, Progressive, Geico, and Allstate. They all have different optional coverages and features that may steer you one way or another. The following table compares some of the ratings and options .

Cheap insurance quotes for young women

There are many different ways to find cheap insurance in Wyoming, but the most common are through an independent insurance agent, a captive (or exclusive) agency like Auto-Owners or State Farm, or buying direct from a company like Progressive or Geico. They all have the same basic principle, but buyers need to know the differences in how they work.

Independent agencies have contracts with many companies and can get rate quotes from all of them. They are not locked into one company and can provide you with more rates, which can help you get improved chances of finding a lower rate. If they quote lower rates, your policy can be moved and the insured can keep the same agent.

An exclusive agent is usually restricted to one insurance company, two popular examples being a State Farm or Allstate agent. These agents are not able to quote prices from more than just one company, which necessitates shopping around.

If you choose to buy insurance direct, you bypass a local agent and buy direct from companies such as Progressive or Esurance. Buying insurance direct is good for consumers who do not have a complex risk profile and have a decent understanding of what insurance covers.

Out of those three methods, which one works best to find cheap car insurance for 20 year old women in Wyoming? The majority of people assume that shopping direct results in the cheapest rates since there isn’t an agent involved, but that is generally not the case. And we’d like to say buying from an independent agent guarantees the best prices due to having more companies to select from, but that assumption is not true either. In many cases, exclusive agencies have price quotes that are the cheapest in Wyoming.

Due to the large number of rating factors, the only true way to ensure the lowest rates is to get rate quotes and compare. Smart shoppers will get prices from all three types in order to have the best selection to choose from. A great place to start is our list of online companies offering discounts: click here to view.