Cheapest Insurance for a Hyundai Santa Fe in Wyoming

When we talk about car insurance, the word “cheap” should not appear as a descriptor for car insurance rates. It’s just reality that cheap auto insurance for a Hyundai Santa Fe can be extremely hard to find. Don’t let that discourage you, because we are going to show you some ways you can find and buy coverage that is more affordable than your current policy.

Buying cheaper coverage for a Hyundai Santa Fe in Wyoming is contingent on a complex equation that considers factors such as the safety rating for your Santa Fe, your profession, and deductibles for comprehensive and collision coverage. Wyoming drivers pay an average of $840 annually for Santa Fe insurance, but that rate is a projection based on rate data for a 30-year-old married female who needs full coverage including both comprehensive and collision and $1,000 deductibles.

There’s a good chance you are not 30 and possibly not even female, maybe you are single instead of married, and you don’t want the same coverages and limits as the example. What seems to be a minor change in rating criteria or coverage limits could end up in a significant change in the policy rate.

Every policy is rated specifically for the driver, so the only real way to find cheap car insurance rates for your Hyundai is to compare as many rates as you can.

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The specific model of Santa Fe will be a contributing factor to the cost of coverage, so the price you will pay to insure a Santa Fe GLS 2WD model will be $94 less than the price to insure the higher-priced Santa Fe Limited 4WD trim level, as shown below.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can alter prices considerably.

Car insurance companies ranked

Choosing the best car insurance company can be difficult considering how many companies sell insurance in Wyoming. The rank data in the next section could help you decide which companies to look at when comparing auto insurance rates for a Hyundai Santa Fe. The rankings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in Wyoming are not factored into this list.

Top 10 Large Auto Insurance Providers in Wyoming Ranked by Customer Satisfaction

1. USAA – 94%
2. AAA Insurance – 91%
3. Nationwide – 90%
4. State Farm – 90%
5. GEICO – 89%
6. The Hartford – 89%
7. The General – 88%
8. Allstate – 88%
9. 21st Century – 88%
10. Liberty Mutual – 88%

Top 10 Large Auto Insurance Providers in Wyoming Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. State Farm – A++
4. The Hartford – A+
5. Esurance – A+
6. Progressive – A+
7. Allstate – A+
8. Nationwide – A+
9. The General – A-
10. Safeco – A

Top Companies for Hyundai Santa Fe Insurance in Wyoming

Discounts on Wyoming auto insurance rates

Auto insurance companies that provide the cheapest insurance for a Hyundai Santa Fe in Wyoming may provide discounts that could reduce prices by as much as 25% or more if you qualify. Companies and a summarized list of policyholder discounts are detailed below.

• State Farm may include discounts for anti-theft, good student, Drive Safe & Save, Steer Clear safe driver discount, passive restraint, accident-free, and good driver.
• GEICO offers premium reductions for military active duty, federal employee, multi-vehicle, membership and employees, good student, daytime running lights, and defensive driver.
• Progressive offers discounts for online quote discount, continuous coverage, online signing, good student, homeowner, multi-policy, and multi-vehicle.
• 21st Century has savings for theft prevention, defensive driver, homeowners, teen driver, and early bird.
• American Family may offer discounts for Steer into Savings, early bird, good student, defensive driver, and good driver.
• The Hartford may have discounts that include driver training, good student, defensive driver, air bag, vehicle fuel type, and bundle.
• AAA discounts include multi-car, good driver, education and occupation, good student, anti-theft, and AAA membership discount.

The chart below illustrates the comparison of annual premium costs with and without discounts applied. The premiums assume a female driver, no claims or violations, Wyoming state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, defensive driving course, multiple vehicle, and passive restraint discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for a Hyundai Santa Fe is 28% or $501.

Company comparison: Geico vs Allstate vs Progressive vs State Farm

If you are shopping around for insurance for a Santa Fe in Wyoming, the companies with the most market share are Geico, Allstate, Progressive, and State Farm. When combined, they insure over 45% of all car insurance policies in America. All four offer physical damage and liability coverage, but each has unique options and discounts that may influence your buying decision. The next table compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages that are available for customers.

Who has the cheapest Hyundai Santa Fe insurance quotes?

Due to technology, there are many ways to find affordable car insurance in Wyoming, but the three most common are through an exclusive insurance agent such as Auto-Owners or State Farm, an independent insurance agent, or direct online or over the phone from a company like Geico or Progressive. All three ways can provide car insurance quotes, but shoppers should understand the differences in how they give price quotes.

Independent insurance agents are appointed by several companies and can get rate quotes from all of them. Independent agents possess the freedom to provide multiple price quotes, which can give you a better chance of finding cheaper coverage. If prices rise, your policy can be moved and the insured can keep the same agent.

An exlusive, or captive, agency is only able to give rates for one company, two of the more popular are a State Farm or Liberty Mutual agent. They are unable to provide other companys’ prices, so if finding the cheapest car insurance is your goal, you will want to shop around.

The last way is buying direct, which means you bypass the middleman (the agent) and instead shop buying direct from a company like Geico or Esurance. Buying car insurance direct can be a good choice for consumers who do not need risk management and know what coverage limits and deductibles they need.

So comparing independent agents, exclusive agents, and direct, which one works best to find the cheapest insurance for a Hyundai Santa Fe in Wyoming? It would be easy to say buying direct yields the cheapest rates because there is no agent involved, but that is generally not the case. A good argument could also be made that buying car insurance from an independent agent results in the cheapest rates since they have more companies to choose from, but that assumption is not true either. In many circumstances, exclusive agents have coverage prices that independents and direct companies can’t touch.

Since car insurance prices are based on many different factors, the best way to get the cheapest rates is to compare lots of quotes. Industry experts recommend getting price quotes all three ways to have enough rates to compare. For a list of companies with some of the cheapest Wyoming car insurance rates, click here to view.

How to find budget-friendly auto insurance for a Hyundai Santa Fe

The list below shows a few penny-pinching solutions that can help Wyoming drivers locate lower-cost coverage.

• Pay lower rates with good credit
• Buy your homeowners policy from the same company as your auto insurance
• Increase your policy deductibles
• Accident-free drivers may qualify for discounts
• If possible, pay for small claims out-of-pocket
• Do not get traffic citations
• Compare rates and switch if you can find a better deal

The last suggestion is highly valuable, as was affirmed in the prior information. Auto insurance prices can change considerably based on profitability, so drivers shouldn’t be reluctant to switch carriers if a lower price can be found.

Being loyal to a particular company is commendable, but it isn’t a good idea if that inflexibility results in costing you several hundred dollars every year. It only takes a couple minutes to compare prices to find cheaper auto insurance for a Hyundai Santa Fe.