Cheap Auto Insurance Quotes After a Speeding Ticket in Wyoming

Cheap Auto Insurance Quotes After a Speeding Ticket in Wyoming

After a few driving violations, one of the big things that is used to calculate car insurance rates is your address in Wyoming. Cities with more crime and/or more people like Newcastle, Lander, and Wheatland tend to have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from lower rates.

The following table illustrates the more expensive cities in Wyoming after a speeding ticket to buy car insurance in.

Wyoming cities ranked by car insurance cost
Rank City Annual Premium
1 Newcastle $1,231
2 Jackson $1,218
3 Lander $1,216
4 Riverton $1,207
5 Wheatland $1,204
6 Laramie $1,197
7 Rock Springs $1,196
8 Worland $1,187
9 Buffalo $1,184
10 Evanston $1,176
11 Gillette $1,173
12 Douglas $1,168
13 Warren AFB $1,168
14 Fox Farm-College $1,166
15 Mills $1,163
16 Green River $1,159
17 Torrington $1,156
18 Sheridan $1,155
19 Cody $1,151
20 Rawlins $1,145
21 Ranchettes $1,144
22 Cheyenne $1,143
23 South Greeley $1,141
24 Powell $1,140
25 Casper $1,139
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Rate quotes are estimated as the specific garaging location can decrease or increase insurance rates greatly.

The vehicle model requiring insurance is probably the biggest factor when looking for the lowest-priced coverage after a speeding ticket. Vehicles with lots of speed or power, poor safety ratings, or a track record of large liability claims will cost significantly more to insure than more modest models.

The data below showcases car insurance prices for a number of the most cost-effective automobiles to insure in Wyoming.

Cheapest Auto Insurance Rates After a Speeding Ticket in Wyoming
Vehicle Estimated Cost for Full Coverage
Ford Escape XLT 2WD $1,563
Honda Odyssey LX $1,584
Honda CR-V EX-L 2WD $1,604
Kia Forte EX 4-Dr Sedan $1,623
Toyota Sienna XLE $1,732
Toyota RAV4 Limited 2WD $1,742
Hyundai Santa Fe SE 2WD $1,732
Chevrolet Equinox LT AWD $1,739
Ford Explorer XLT AWD $1,734
Ford F-150 STX Regular Cab 4WD $1,742
Dodge Grand Caravan SE $1,734
Toyota Prius $1,765
Chevrolet Traverse LTZ 2WD $1,790
Subaru Forester X Premium AWP AWD $1,796
Honda Civic LX-S 4-Dr Sedan $1,803
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Data assumes single male driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, and multi-policy. Price estimates do not factor in zip code location which can decrease or increase price quotes greatly.

Based on these rates, you can infer that vehicles like the Ford Escape, Honda Odyssey, Honda CR-V, Kia Forte, and Toyota Sienna are going to be the cheaper vehicles to insure after a few driving violations.

Get discount Wyoming car insurance rates

Auto insurance after a few driving violations in WyomingCar insurance companies that offer cheap car insurance after a speeding ticket in Wyoming may provide policy discounts that could potentially reduce rates by as much as 35% or more if you meet the requirements. A list of auto insurance companies and a selection of discounts can be found below.

  • GEICO policyholders can earn discounts including anti-lock brakes, driver training, military active duty, membership and employees, seat belt use, multi-policy, and air bags.
  • MetLife discounts include good student, defensive driver, multi-policy, accident-free, claim-free, and good driver.
  • Progressive offers discounts for homeowner, multi-policy, continuous coverage, online quote discount, multi-vehicle, and online signing.
  • Travelers has savings for driver training, early quote, new car, save driver, good student, and student away at school.
  • SAFECO may have discounts that include homeowner, anti-theft, safe driver, drive less, and teen safety rewards.
  • AAA includes discounts for good driver, multi-car, pay-in-full, AAA membership discount, good student, multi-policy, and education and occupation.

The example below compares insurance prices with and without discounts being applied to the rates. The price estimates are based on a female driver, no at-fault accidents and one violation, Wyoming state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, paperless filing, homeowner, multiple policy, anti-theft, and vehicle safety discounts applied. In this example, the average savings per year on auto insurance after a speeding ticket is 28% or $616.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 3157,2277],[‘Age 30’, 2277,1653],[‘Age 40’, 2129,1545],[‘Age 50’, 1895,1375],[‘Age 60’, 1841,1335],[‘Age 70’, 2093,1511]]);var options = {title: ‘Effect of Discounts on Insurance Rates After a Speeding Ticket’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Wyoming’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Drive safe and save

The common sense way to obtain cheap car insurance after a speeding ticket in Wyoming is to be a careful driver and avoid at-fault accidents and violations. The example below illustrates how traffic citations and at-fault fender-benders can drive up auto insurance rates for different insured age categories. The data is based on a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 3205,3445,4109],[‘Age 30’, 1685,1921,2587],[‘Age 40’, 1655,1895,2559],[‘Age 50’, 1507,1745,2411],[‘Age 60’, 1459,1695,2359],[‘Age 70’, 1775,2015,2679]]);var options = {title: ‘Effect of Citations and Accidents on Wyoming Car Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Wyoming’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of an auto insurance policy per year with no accidents or violations is $1,881. Factor in one speeding ticket and the average cost hikes up to $2,119, an increase of $238 each year. Now get one accident along with the one speeding ticket and the 12-month cost of auto insurance after a speeding ticket goes up to an average of $2,784. That’s an increase of $903, or $75 per month, just for being a little careless behind the wheel!

Cheapest car insurance: State Farm, Geico, Allstate, or Progressive

If you want the best car insurance after a few driving violations, the first places to look would be State Farm, Geico, Allstate, and Progressive. Between them, they insure over 48% of the entire U.S. car insurance market. The following table compares some of the different options and features that may be available in your state.

Comparison of Top U.S. Auto Insurance Companies
State Farm Geico Allstate Progressive
Number of Discounts 3rd 2nd 1st 4th
Claims Rank 2nd 3rd 1st 4th
Price Ranking 2nd 1st 4th 3rd
Overall Satisfaction 4th 1st 2nd 3rd
Percent of U.S. market 18.3% 11.4% 10% 8.8%
New car replacement insurance No No Yes No
Accident forgiveness No Yes Yes Yes
Roadside assistance Yes Yes Yes Yes
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Rating based on usage Yes No Yes Yes
Mechnical breakdown No Yes No Yes
Coverage in Wyoming Yes Yes Yes Yes
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