Best Ways To Get Affordable Car Insurance in Wyoming

Best Ways To Get Affordable Car Insurance in Wyoming

Wyoming is the least populous state, with a population of approximately 578,80. In 2015, there were an estimated 422,450 licensed drivers in the state. Auto insurance in Wyoming is moderately priced compared to other states. The average driver in Wyoming pays $1,478 per year for a full coverage policy and $257 per year for a minimum coverage policy.

The average cost of full coverage auto insurance in the United States is $1,738 per year. In Wyoming, the average driver pays $1,478 per year. Drivers in Wyoming pay less on average for insurance than drivers in other parts of the United States.

 Best Auto Insurance Provider in Wyoming

The best auto insurance company in Wyoming is different for every driver. Certain drivers are looking for very affordable rates and others are looking for the best customer service or specific coverage options. Wyoming drivers should shop around and compare providers to see which company meets their needs and budget.

Cheapest Auto Insurance in Wyoming

In Wyoming, several auto insurance providers offer below-average rates. 

Geico

Geico is one of the most expensive auto insurance companies in Wyoming for full coverage insurance, with an average annual full coverage premium of $1,759 and an average annual minimum coverage premium of $176. However, drivers can access a variety of discounts to lower their rates.

With Geico, Wyoming drivers can save money on their insurance, by being a smart student, having a safe vehicle, being a federal employee, being an active duty military member, making an emergency deployment and taking a defensive driving course

StateFarm

State Farm offers strong and affordable auto insurance coverage in Wyoming. The average driver pays $1,283 per year for a full coverage policy and $211 per year for a minimum coverage policy, making it the cheapest provider on our full coverage insurance list.

State Farm offers two safe driver discount programs, Drive Safe & Save and Steer Cle. There are also discounts for being accident-free, being a good student, being an out-of-school student, bundling policies, taking a driver’s training course, and having a safe vehicle.

MetLife

Metropolitan Insurance, more commonly known as MetLife, is a highly rated insurance company that has great coverage. Drivers can access endorsements like new car replacement, speciality parts replacement, and identity theft coverage for added protection.

In Wyoming, MetLife’s average full coverage policy costs $1,517 per year and the average minimum coverage policy costs $238 per year. There are discounts for good drivers, pool policies, and enrollment in automatic payments. Additionally, some drivers may be eligible for employer and member group savings.

Farmers

Farmers offer impressive auto insurance coverage for drivers in Wyoming. The average full coverage policy costs $1,488 per year and the average minimum coverage policy costs $283 per year, which is only slightly above the state average.

In terms of discounts, drivers can save up to 15% on their premium by enrolling in the Farmers’ Signal Safe Driver Discount Program. Discounts are available for policy packages and no claims, as well as state-specific discounts for drivers in Wyoming.

Allstate

Allstate is one of the largest auto insurance companies in the country. In Wyoming, Allstate’s average full coverage premium is $1,342 per year and the average minimum coverage policy costs $379 per year.

Allstate is well known for its generous insurance discount. Wyoming drivers can lower their premium by having a car with anti-lock brakes and an anti-theft device, paying in full, signing up for automatic payments, signing a policy before it goes into effect, and being a smart student.

Affordable Coverage for Wyoming Drivers

Auto insurance is a legal requirement for all drivers in Wyoming who have a vehicle registered in the state. Drivers must carry a minimum of 25/50/20 personal liability insurance, which includes $25,000 bodily injury coverage per person, $50,000 bodily injury coverage per accident, and $20,000 personal property liability coverage.

Drivers who opt for minimum coverage insurance pay lower premiums than drivers who purchase full coverage policies. However, insurance companies recommend that most drivers purchase coverage beyond the lower limits. If a driver causes an accident and his financial responsibility exceeds his policy limits, he must pay the difference out of pocket.

How to Get Cheap Car Insurance in Wyoming

Drivers looking for the cheapest car insurance in Wyoming should start by finding an affordable provider. However, there are several other ways drivers can get a low insurance rate, including:

Driving record:

 Maintaining a clean driving record is one way to keep car insurance costs cheap in West Virginia. A driver with a speeding ticket may see an average 17% increase in annual premiums, but that increased amount is more than double for an at-fault accident.

Drivers with a DUI conviction in West Virginia pay an average of 79% more per year for auto insurance than drivers without a DUI.

If you are found to be at fault in an accident or found guilty of a traffic violation, your insurance costs will increase. The more violations you accumulate, the more expensive your car insurance will be. 

Check your mileage:

 If you carpool to work or work from home, you may be able to get a low-mileage discount on your auto insurance. The fewer miles you drive per year, the better the discount savings.

Get Multiple Quotes

 The most effective way to find the cheapest auto insurance company for you is to compare multiple quotes for the type and amount of coverage you need.

Increase your credit score – 

Insurance companies use your credit score to help determine your annual premium. The higher your credit score, the less your car insurance will cost.

Increase your deductible:

 Your policy’s deductible influences the annual rate. Raising your deductible can help you get a cheaper policy, but keep in mind that savings vary by policy. If you have an at-fault loss, you’ll have to pay your deductible out of pocket, so be sure to choose a level you can reasonably afford.

Look for discounts – 

Most car insurance companies offer discounts that can help drivers save money on their insurance policy. Look for providers that have multiple discounts you may qualify for, which can equate to greater savings.

Leave a Reply