How Much are Auto Insurance Quotes in Wyoming?
Enter your Wyoming zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 19, 2019
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One of the many things that aid in calculating the amount you pay for auto insurance is where you call home in Wyoming. More densely populated places like Newcastle, Worland, and Gillette tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims receive better rates.
The table below shows the highest-priced areas in Wyoming to buy car insurance in.
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Rate information is approximated as zip code location can increase or decrease rates greatly.
Determining which company offers the cheapest auto insurance rates in Wyoming calls for more work in order to find a policy that fits your budget.
Every insurance provider uses their own formula to set policy rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Wyoming. It’s a good idea to be aware that Wyoming auto insurance rates are impacted by many factors that can increase the cost of a policy. Turning one year older, moving across town, or getting a ticket for careless driving can trigger rate changes that can make some companies cheaper than competitors.
|Rank||Company||Cost Per Year|
|4||National Farmers Union||$970|
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USAA quotes some of the cheapest car insurance rates in Wyoming at around $631 a year. Safeco, The Hartford, National Farmers Union, and GEICO are also some of the lowest-priced Wyoming insurance companies.
In the above example, if you currently have a policy with National Farmers Union and switched to USAA, you might see an annual savings of around $339. Drivers with GEICO may save as much as $377 a year, and State Farm customers might see rate reductions of $392 a year.
To get a fast rate comparison, click here to begin a quote or visit several of the following companies.
Enter your zip code below to view companies that have cheap auto insurance rates.
It’s important to note that these policy rates are averaged across all types of insureds and vehicles and are not factoring in a price decrease in Wyoming. So the insurer that fits your age and vehicle best may not even be included in the company chart above. That illustrates why you need to get car insurance quotes using your own driver information and specific vehicle type.
Full coverage rates compared to liability-only
Finding cheap auto insurance quotes in Wyoming is probably important to most vehicle owners, and one of the best ways to save on the cost of insurance is to only pay for liability coverage. The example below shows the comparison of insurance premiums when comparing full coverage to liability only. The rate quotes are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no additional discounts are factored in.
As an average for all age groups, comp and collision coverage costs an additional $2,513 per year more than buying just liability insurance. That is a big expense that brings up the question when is the right time to remove full coverage. There is no definitive guideline that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s assume your vehicle’s claim settlement value is $10,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $9,000 after the deductible is paid. If you are paying in excess of $900 a year for your policy with full coverage, then you might want to consider buying only liability coverage.
There are some circumstances where dropping physical damage coverage is not advised. If you haven’t satisfied your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage on your policy.
Selecting a highly-rated auto insurance company is difficult considering how many choices you have in Wyoming. The rank data listed below can help you select which auto insurers to look at purchasing a policy from.
The rankings below are only comprised of the largest companies in America, so companies that have a smaller presence are not factored into these rankings. To compare price quotes and find the cheapest rates in Wyoming, simply click here.
Top 10 Major Auto Insurance Providers in Wyoming Ranked by Customer Satisfaction
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- GEICO – 89%
- The Hartford – 89%
- The General – 88%
- Allstate – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Top 10 Major Auto Insurance Providers in Wyoming Ranked by A.M. Best Rating
- USAA – A++
- GEICO – A++
- State Farm – A++
- The Hartford – A+
- Esurance – A+
- Progressive – A+
- Allstate – A+
- Nationwide – A+
- The General – A-
- Safeco – A
The benefit of shopping around
Wyoming auto insurance rates are determined by lots of factors which can significantly increase or decrease the cost of your policy. Simply getting older, buying a new vehicle, or getting a driving violation may prompt premium changes resulting in some companies being cheaper than others.
Not only that, but companies file new rates every year in order to maintain liquidity for claims. An extended period of higher than normal claims may cause a rate increase, while a better loss history may produce more affordable Wyoming car insurance rates.
For instance, the graph below demonstrates which company has the cheapest car insurance in Wyoming for a 45-year-old male driver with a good driving record, no prior claims, and a good credit rating. If we look at prices based on his personal profile, USAA may have the most affordable car insurance rates in Wyoming at $624 a year. This is $496 less than the average rate paid by Wyoming drivers of $1,120. The Hartford, Safeco, National Farmers Union, and GEICO also make the list of the best Wyoming auto insurance companies.
Now let’s give the driver from the above example an at-fault accident, a lower credit score, and an imperfect driving record. Due to the fact that each insurance company uses their own calculation for determining rates in each state, comparing insurance quotes may now show a slightly different list of the cheapest companies as shown below.
Grange now has the best price in Wyoming with The Hartford, Safeco, USAA, and National Farmers Union also being competitive. This illustrates why it is critical to do a thorough rate comparison to find cheap car insurance quotes in Wyoming. Insurance prices are impacted by many factors and change frequently, so the cheapest rate the last time you checked may now be quite expensive.
Tips to find cheaper auto insurance in Wyoming
It’s not impossible to find cheaper rates, and here are some of the better penny-pinching suggestions that can help Wyoming drivers locate cheap coverage.
- Just one traffic violation will increase your rates
- Prevent rate increases by staying accident-free
- Vehicles with good safety ratings have lower liability rates
- Higher credit scores may earn you cheaper rates
- Do not waste money insuring older vehicles for full coverage
- Increase your deductibles
- Check for cheaper rates once a year
The last suggestion is extraordinarily vital, as we emphasized in the prior information. Prices charged by auto insurers vary considerably, so don’t be unwilling to switch companies if a better deal can be had.
Staying with the same car insurance company is fine, but it’s not recommended if it’s costing you several hundred dollars every year. Now is a great time to shop around to find cheaper car insurance in Wyoming.
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