Wyoming may be known as the Equality State, but it can seem very unfair when you compare the broad spectrum of auto insurance rates that different drivers pay. In fact, when the top most affordable auto insurance companies providing cheap coverage to Wyoming drivers were analyzed, the difference was more than $400 per year. Keep in mind this wide range was only including the most affordable insurance companies. You can only imagine how much more money you would pay in auto insurance each year if you obtained coverage from one the companies not included in this list.
Who Has the Cheapest Auto Insurance in Wyoming?
If you want to save money on your auto insurance in Wyoming, you understandably want to find the top companies to obtain quotes from. It makes sense to obtain quotes from several companies. After all, while one company may have the cheapest average rates, another company have the cheapest specific rate for you. State Farm, GEICO and Grange were the top three most affordable auto insurance companies on the list. You may also consider getting quotes from others on the list, including Wyoming Average, California Casualty and Allstate. However, keep in mind that the difference between State Farm and Allstate for the average driver was more than $400 per month.
Where You Live Matters
While finding the cheapest auto insurance in Wyoming is easier to do when you know which companies have the lowest rates in general, remember that where you live will factor into your rates. The top most populated cities in Wyoming that have the lowest rates are Sheridan, Green River, Rock Springs, Cheyenne and Riverton. On the other hand, well-populated cities that have the highest rates on average include Jackson, Buffalo, Worland, Fort Washakie and Lander. Some companies offer cheaper rates in specific cities than in others. For example, GEICO offered the lowest rates in Cheyenne, Jackson and Casper. State Farm had the lowest rates in a wide range of cities, including Laramie, Gillette, Riverton, Rock Springs, Sheridan, Green River and others.
Finding Reputable Companies That Drivers Love
When you are looking for a top auto insurance company in Wyoming, rates may certainly be at the top of your list of criteria. However, you likely also want to find a reputable company that drivers love to work with. Through the Wyoming Department of Insurance’s records, the number of consumer complaints filed against the top auto insurance companies were reviewed. The number of complaints was compared against the number of policies issued to create an average complaint index. The best companies to work with that have the least average number of complaints in Wyoming are Progressive, State Farm, Mountain West Farm Bureau Mutual, Mid-Century Insurance, Farmers and others.
Are You Paying Too Much for Car Insurance?
You may be wondering if your rates are in line with the state average or if you should shop around for lower rates. By learning more about the average amount drivers in your area are paying for auto insurance, you can learn about the need to shop around for better rates. Consider that the state average is $959 per year. Residents in Sheridan, Green River, Rock Springs, Cheyenne and a few others typically pay less than this average. On the other hand, residents in Jackson, Buffalo, Lander and others typically pay more than this average. Keep in mind that many factors can affect the cost of your car insurance in Wyoming. For example, factors such as age, gender, the vehicle you drive, your driving history and more are all specific to you, and these are critical factors that influence your rates.
Should You Shop for New Coverage?
After you have reviewed all of these factors, you may still not be sure if you need to shop for cheaper auto insurance in Wyoming. For example, you may currently pay more than the average, but you may have several auto accidents on your driving history. Therefore, a higher than average rate is to be expected. Auto insurance rates can fluctuate and change from time to time. With this in mind, it is wise for most drivers to shop for new rates every year or two. This is a great way to identify savings available with another company.