The make and model of vehicle to be insured is one of the primary factors that determines the availablility of the most affordable coverage for welfare recipients. Vehicles with limited speed and performance, a plethora of safety features, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models.
The next table illustrates coverage rates for some of the cheaper automobiles to buy insurance for.
Make and Model | Estimated Cost for Full Coverage |
---|---|
Ford Escape XLS 2WD | $1,023 |
Honda Accord LX 4-Dr Sedan | $1,033 |
Honda CR-V LX 2WD | $1,123 |
Chevrolet Traverse LS 2WD | $1,153 |
Subaru Forester X Limited Edition AWD | $1,179 |
Honda Odyssey EX | $1,186 |
Toyota Tacoma 2WD | $1,191 |
Toyota Sienna XLE | $1,214 |
Toyota Camry LE | $1,219 |
GMC Sierra SLE Crew Cab 2WD | $1,214 |
Hyundai Tucson GLS 2WD | $1,220 |
Volkswagen Jetta SE 2.5 Station Wagon | $1,224 |
Ford Explorer Limited AWD | $1,239 |
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Prices do not factor in your specific Wyoming location which can affect premiums noticeably.
Based upon the table data, you can presume that vehicles like the Ford Escape, Honda Accord, Honda CR-V, Chevrolet Traverse, and Subaru Forester are going to be the most affordable vehicles to insure for drivers on welfare.
Deciding which insurers offer the most affordable insurance rates for welfare recipients involves a little more effort than just getting one or two price quotes. Every insurance company has a different formula for setting prices, so let’s take a look at the most affordable insurance companies in Wyoming.
Find the Cheapest Car Insurance in Wyoming
Rank | Company | Cost Per Year |
---|---|---|
1 | USAA | $631 |
2 | The Hartford | $934 |
3 | Safeco | $936 |
4 | GEICO | $978 |
5 | National Farmers Union | $980 |
6 | State Farm | $1,012 |
7 | Grange | $1,120 |
8 | California Casualty | $1,358 |
9 | Allstate | $2,062 |
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USAA offers some of the lowest car insurance rates in Wyoming at around $631 a year. The Hartford, Safeco, GEICO, and National Farmers Union also are some of the more affordable Wyoming car insurance companies.
As shown above, if you have coverage with Safeco and switched to USAA, you may see yearly savings of roughly $305. Drivers with GEICO might save as much as $347 a year, and National Farmers Union policyholders might reduce rates by $349 a year.
To find out how your current rates compare, click here to begin a quote or visit any of the low-priced companies below.
Remember that these estimates are averages across all drivers and vehicles in Wyoming and do not factor in a price decrease for welfare recipients. So the car insurance company that is best suited for you may not even be in the chart above. That illustrates why you need to get rate quotes using your own personal information and vehicle type.
When shopping for cheaper auto insurance for drivers on welfare, one of the many criteria that control the policy price is where your home is located in Wyoming. Areas that are densely populated or have higher claim frequency like Newcastle, Evanston, and Gillette tend to pay higher rates, whereas less populated areas generally pay lower auto insurance rates.
The illustration below illustrates the most expensive places in Wyoming for welfare recipients to purchase a policy in.
Rank | City | Average Per Year |
---|---|---|
1 | Newcastle | $1,218 |
2 | Douglas | $1,216 |
3 | Evanston | $1,212 |
4 | Worland | $1,211 |
5 | Gillette | $1,209 |
6 | Jackson | $1,194 |
7 | Torrington | $1,192 |
8 | Powell | $1,186 |
9 | Cody | $1,186 |
10 | Rock Springs | $1,185 |
11 | Green River | $1,183 |
12 | Cheyenne | $1,178 |
13 | Casper | $1,173 |
14 | Buffalo | $1,172 |
15 | Lander | $1,168 |
16 | Fox Farm-College | $1,166 |
17 | South Greeley | $1,165 |
18 | Riverton | $1,159 |
19 | Wheatland | $1,156 |
20 | Sheridan | $1,155 |
21 | Laramie | $1,151 |
22 | Rawlins | $1,145 |
23 | Warren AFB | $1,144 |
24 | Ranchettes | $1,144 |
25 | Mills | $1,128 |
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Information shown are estimated as the specific area where the vehicle is garaged can raise or lower coverage rates substantially.
If you are looking for the best auto insurance for drivers on welfare in Wyoming, the companies with the most market share are State Farm, Progressive, Geico, and Allstate. All four can cover your vehicle for liability and physical damage, but each one has slightly different coverage options that buyers can choose from. The table below illustrates some of the different features that may be available in your state.
State Farm | Progressive | Geico | Allstate | |
---|---|---|---|---|
Discounts Offered | 3rd | 4th | 2nd | 1st |
Client Satisfaction | 4th | 3rd | 1st | 2nd |
Handling of Claims | 2nd | 4th | 3rd | 1st |
Price Overall | 2nd | 3rd | 1st | 4th |
Percent of U.S. market | 18.3% | 8.8% | 11.4% | 10% |
Customer recommendation | 88% | 88% | 87% | 86% |
A.M. Best rating | A++ | A+ | A++ | A+ |
Standard & Poor’s financial rating | AA | AA | AA+ | AA- |
Emergency roadside assistance | Yes | Yes | Yes | Yes |
Coverage for Uber and Lyft drivers | Yes | Yes | Yes | Yes |
Rate for vehicle usage | Yes | Yes | No | Yes |
Accident forgiveness | No | Yes | Yes | Yes |
Breakdown insurance | No | Yes | Yes | No |
New car replacement insurance | No | No | No | Yes |
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