Best Cheap Auto Insurance After a Speeding Ticket in Wyoming
Enter your Wyoming zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 5, 2019
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You have most likely watched the captivating commercials from insurers like Progressive and Liberty Mutual that guarantee dirt cheap rates, so drivers should just choose any one of them, right?
Unfortunately, it’s not that simple as there are many unknown factors such as whether you are a man or a woman, the insurance company you are currently insured with, and your credit history. We know insurance is not everyone’s favorite topic, but in this article we will cover the best ways to compare rates and educate you enough to have a good beginning to your quest for cheaper car insurance in Wyoming.
The vehicle requiring insurance is a significant factor that determines whether or not you find cheap coverage after a speeding ticket. Vehicles with lots of horsepower, a lack of safety features, or a high likelihood of having liability claims will cost much more to insure than more modest models. The next table illustrates car insurance premiums for a number of the most affordable automobiles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$1,441|
|Chevrolet Traverse LT 2WD||$1,516|
|Hyundai Elantra SE Touring Station Wagon||$1,584|
|Ford Escape XLT 2WD||$1,593|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,606|
|Ford Explorer XLT 4WD||$1,613|
|Ford F-150 XL Crew Cab 4WD||$1,642|
|Hyundai Santa Fe SE 2WD||$1,711|
|Toyota RAV4 Limited 4WD||$1,719|
|Hyundai Tucson Limited 4WD||$1,711|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$1,747|
|Dodge Grand Caravan SE||$1,771|
|Kia Optima LX||$1,816|
|Toyota Corolla S||$1,818|
|Honda Odyssey EX||$1,846|
|Volkswagen Jetta LE 4-Dr Sedan||$1,887|
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Cost estimates assume single female driver age 50, two speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in your specific Wyoming location which can affect coverage rates significantly.
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By looking at the data, you can conclude that cars like the Honda CR-V, Chevrolet Traverse, and Hyundai Elantra should be a few of the most economical vehicles to insure after a few driving violations.
After a few driving violations, one of the big criteria that car insurance companies use to calculate rate quotes is where you normally keep your vehicle in Wyoming. Areas with increased crime or more people like Newcastle, Lander, and Green River tend to have higher rates, whereas areas with less crime or weather claims benefit from lower prices.
The following table ranks the most expensive places in Wyoming after a speeding ticket to buy auto insurance in.
|Rank||City||Premium Per Year|
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Premium amounts are comparative as the specific area where the vehicle is garaged can affect coverage rates greatly.
Establishing which company has the most affordable car insurance rates after a speeding ticket will take more work than just getting one or two price quotes. Each insurance company uses their own formula to establish rates, so to begin we’ll rank the overall cheapest car insurance companies in Wyoming.
It’s important that you understand Wyoming car insurance rates are based on many factors which can substantially change the price you pay. Simply turning a year older, increasing liability limits, or having an accident may cause policy rate changes that can now make some companies cheaper than others.
|Rank||Company||Cost Per Year|
|4||National Farmers Union||$1,000|
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USAA has some of the cheapest car insurance rates in Wyoming at around $650 annually. Safeco, The Hartford, National Farmers Union, and GEICO also make the cut as some of the cheapest Wyoming insurance companies.
As illustrated above, if you have coverage with National Farmers Union and switched to Safeco, you could earn savings of upwards of $92. Policyholders with GEICO may save as much as $110 a year, and State Farm customers might reduce prices by as much as $146 a year.
If you want to find out if you’re overpaying, click here to begin a quote or click several companies below for low rates.
Enter your zip code below to view companies that have cheap auto insurance rates.
Bear in mind that those policy prices are averaged for all types of insureds and vehicles and are not factoring in a price decrease after a speeding ticket. So the insurer that fits you best may not even be shown in the list of companies shown earlier. That is why you need to compare rates from multiple companies using your own driver data and vehicle information.
How to get discounts on Wyoming insurance rates
Insurance providers that provide the best cheap auto insurance after a speeding ticket in Wyoming may also provide discounts that could potentially reduce rates by 35% or more if you meet eligibility requirements. A list of companies and a partial list of their discounts are included below.
- Progressive offers discounts including online signing, online quote discount, homeowner, continuous coverage, multi-vehicle, good student, and multi-policy.
- SAFECO offers premium reductions for anti-theft, accident prevention training, safe driver, bundle discounts, teen safe driver, teen safety rewards, and homeowner.
- American Family has savings for Steer into Savings, air bags, early bird, accident-free, bundled insurance, and mySafetyValet.
- MetLife may offer discounts for claim-free, defensive driver, accident-free, good student, and multi-policy.
- GEICO may have discounts that include multi-policy, anti-theft, membership and employees, air bags, and anti-lock brakes.
- The Hartford includes discounts for good student, bundle, air bag, driver training, and defensive driver.
The information below illustrates the difference between auto insurance costs with and without discounts applied. Data assumes a female driver, one violation and no at-fault accidents, Wyoming state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, vehicle safety, multiple policy, marriage, multiple vehicle, and paperless filing discounts applied. When discounts are factored in, the average savings per year on car insurance after a speeding ticket is 28% or $765.
State Farm, Allstate, Geico, or Progressive: Which is best?
If you want reliable car insurance, four of the best places to start are State Farm, Allstate, Geico, and Progressive. The table below rates price, claims, and customer service ratings, as well as some optional coverages that are available for policyholders.
|Handling of Claims||2nd||1st||3rd||4th|
|U.S. market share||18.3%||9.7%||11.9%||9.1%|
|A.M. Best financial rating||A++||A+||A++||A+|
|Standard & Poor’s rating||AA||AA-||AA+||AA|
|Mechanical breakdown insurance||No||No||Yes||Yes|
|New car replacement insurance||No||Yes||No||No|
|Emergency roadside service||Yes||Yes||Yes||Yes|
|Accident forgiveness coverage||No||Yes||Yes||Yes|
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How to find the cheapest insurance after a speeding ticket
The list below details a few penny-pinching suggestions that can help you quote cheaper coverage.
- Buy vehicles with good safety ratings
- Avoid having at-fault accidents
- Clean up your credit rating
- Higher physical damage deductibles lower rates
- Avoid getting tickets or violations
- Compare quotes from other companies often
The last tip in the list is certainly valuable, as we emphasized in this write-up. Car insurance rates can change significantly in a year, so drivers shouldn’t be resistant to buy from a different company if a more affordable price is available.
Brand loyalty is great, but is isn’t recommended if that loyalty results in overpaying hundreds of dollars a year. It only takes a couple minutes to compare rates and find cheaper insurance after a speeding ticket.
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