Who Has Cheap Car Insurance Quotes for Safe Drivers in Wyoming?

When shopping for cheaper insurance for good drivers, one of the many considerations that helps insurance companies calculate rate quotes is the neighborhood you call home. Cities with larger populations like Newcastle, Evanston, and Douglas tend to have more expensive auto insurance rates, whereas areas that are not as densely populated have the enjoyment of a little cheaper coverage.

The table below lists the highest-priced places in Wyoming for safe drivers to purchase auto insurance in.

Rate quotes are comparative as the specific Wyoming residence address can modify premium rates significantly.

The safety and performance level of the vehicle on the policy is one of the largest factors when consumers are trying to find cheap auto insurance for safe drivers in Wyoming. Vehicles with lots of horsepower, poor safety ratings, or high incidents of liability claims will cost substantially more to insure than safer, lower-performance models. The lists below estimates insurance premiums for a handful of the most economical automobiles to buy insurance for.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wyoming minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can lower or raise coverage rates greatly.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in specific location which can increase or decrease insurance rates noticeably.

Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wyoming minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in vehicle location which can impact rates considerably.

Deciding which companies have the lowest-priced car insurance rates for safe drivers requires more work than just picking a company at random. Each insurer has their own guidelines for setting prices, so let’s examine the overall cheapest car insurance companies in Wyoming.

Best Cheap Insurance Rates for Safe Drivers

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USAA has some of the lowest car insurance rates in Wyoming at around $631 a year. Safeco, The Hartford, National Farmers Union, and GEICO would also be considered some of the lowest-priced Wyoming insurance companies.

As shown above, if you currently have a policy with Safeco and switched to USAA, you might achieve a yearly price reduction of upwards of $315. Wyoming drivers with The Hartford might save as much as $321 a year, and National Farmers Union customers might reduce rates by $369 a year.

Bear in mind that those prices are averages across all ages of drivers and types of vehicles and do not take into consideration a price discount for safe drivers. So the auto insurance company that is best for you may not even be featured in the list above. That point stresses why you need to get rate quotes from many companies using your own personal information and vehicle type.

Insurance rate increases from tickets or accidents

One of the best ways to obtain low car insurance prices in Wyoming for good drivers is to drive safely and avoid accidents and keep your driving record clean. The chart below shows how violations and accident claims raise car insurance rates for each age group. The rate quotes are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

In the previous example, the average cost of auto insurance in Wyoming per year with no accidents or violations is $1,299. Get written up for one speeding ticket and the average cost rises to $1,515, an increase of $216 each year. Now add one accident along with the one speeding ticket and the annual cost of car insurance for safe drivers jumps again to an average of $2,110. That’s an increase of $811, or $68 per month, just for not keeping your driving record clean!

Get discount Wyoming auto insurance

Insurance companies that offer cheap auto insurance for safe drivers in Wyoming may have price discounts that can reduce rates by as much as 35% if you can meet the requirements. A few of the larger companies and a selection of discounts are detailed below.

The chart below illustrates the difference between insurance costs with and without discounts being applied to the rates. Data assumes a female driver, no claims, a clean driving record, Wyoming state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with homeowner, passive restraint, accident-free, multiple vehicle, marriage, and anti-theft discounts applied. When drivers take advantage of discounts, the the average yearly reduction on car insurance for safe drivers is 13% or $331.

How to get cheap auto insurance for safe drivers in Wyoming

Here are a few money-saving ideas that can help drivers find more affordable auto insurance.

• Do not insure for full coverage
• Pay lower rates with good credit
• Buy a safer vehicle
• Save money by insuring your home and auto with the same company
• Pay less by remaining claim-free
• Increase your deductibles
• Compare rate quotes often

The last tip in the list is very crucial, as we discussed in this write-up. Insurance rates in Wyoming adjust often, so drivers shouldn’t be resistant to buy from a different company if you can find a cheaper rate. Staying with the same car insurance company is fine, but it’s not recommended if that devotedness results in you overpaying a lot of money. In just a couple of minutes you could compare rates to find cheaper insurance for safe drivers.