Cheap Car Insurance for Seniors in Wyoming

I’m sure you’ve seen the catchy commercials from auto insurance companies like Nationwide, Liberty Mutual, and The General claiming the cheapest rates, so drivers should just choose the one with the most memorable commercial, right?

It’s not quite that easy, unfortunately, as there are a lot of unknown factors such as the liability limit you need, the area where you live, and your date of birth, that all help calculate your car insurance rates. This article covers the best ways to maintain low rates and educate you enough to have a good start in finding the cheapest car insurance.

One of the many components that help determine the amount you pay each year for auto insurance is the neighborhood you call home in Wyoming. Regions with larger populations or more claims like Newcastle, Buffalo, and Douglas are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims generally pay less for insurance.

The next table rates the highest-priced places in Wyoming for seniors to purchase a policy in.

Rates are estimated as specific Wyoming zip code can increase or decrease coverage rates greatly.

Deciding which companies quote the cheapest auto insurance rates for seniors will take more time in order to find the most economical policy. Every car insurance company has their own unique process to set premium rates, so we need to take a look at the most budget-friendly auto insurance companies in Wyoming.

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USAA normally has some of the best car insurance rates in Wyoming at around $631 a year. Safeco, The Hartford, National Farmers Union, and GEICO are also some of the more affordable Wyoming auto insurance companies.

As shown in the table above, if you are a policyholder with Safeco and switched to USAA, you might see savings of around $287. Wyoming drivers with The Hartford might save as much as $303 a year, and National Farmers Union policyholders might cut rates by $339 a year.

Bear in mind that those prices are averages for all insureds and vehicles and are not factoring in a price discount for seniors. So the company that is best for you may not even be featured in the chart above. That’s why you need to compare prices as often as possible using your own personal information and vehicle type.

The cost and performance of the vehicle you are trying to insure is probably the most important factor when looking for cheap auto insurance for seniors. Vehicles with lower performance, a great safety record, or a positive history of liability claims will cost quite a bit less to insure than higher performance models. The tables below illustrates auto insurance rates for a number of the most affordable vehicles to buy coverage for.

Data based on married female driver age 60, no speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price information does not factor in garaging location in Wyoming which can modify premiums noticeably.

Price data assumes married female driver age 60, no speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can increase or decrease rates substantially.

Data based on married female driver age 60, no speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Table data does not factor in garaging location in Wyoming which can influence price quotes noticeably.

Choosing a highly-rated auto insurance company is difficult considering how many companies provide coverage in Wyoming. The ranking data in the lists below can help you choose which auto insurance companies you want to consider when shopping car insurance rates for seniors. The rankings below are only comprised of large insurance companies, so smaller companies are not taken into consideration for the list.

Top 10 Major Auto Insurers Overall in Wyoming

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Progressive
9. Allstate
10. Nationwide

Careless driving habits raise Wyoming auto insurance rates

The recommended way to find affordable auto insurance prices in Wyoming for senior citizens is to be a cautious driver and avoid getting tickets or having accidents. The example below shows how violations and at-fault collisions can drive up auto insurance costs for different categories of driver ages. The data assumes a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

In the example above, the average cost of a car insurance policy in Wyoming per year with no violations or accidents is $1,608. Receive one speeding ticket and the average cost surges to $1,823, an increase of $214 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for seniors goes up to an average of $2,420. That’s an increase of $812, or $68 per month, just for a couple of infractions!

Who has the cheapest insurance quotes for senior citizens?

There are many different ways to quote and buy auto insurance in Wyoming, but the most prevalent are through an independent insurance agent, an exlusive agent such as Allstate or Auto-Owners, or from a direct company like Progressive. All three ways can provide auto insurance quotes, but auto insurance buyers need to understand the differences in how they price policies.

Independent agencies have contracts with multiple insurance companies and can compare coverage rates with every one. These types of agents do not work for one specific company and can give you more rates, which can help you get better odds of saving money. If a cheaper price is found, it’s simple to move the policy and the insured can keep the same agent.

An exlusive, or captive, agency is ‘exlusive’ to one insurance company, two of the more popular are a State Farm or Liberty Mutual agent. These agents are not able to quote prices from more than just one company, which requires you to shop around.

Opting to purchase auto insurance direct means you do not use an agent and buy from a direct company like Esurance. Shopping for auto insurance direct may be a decent choice consumers who have little risk and have a good understanding of how auto insurance works.

Which way is best to buy cheap auto insurance for seniors in Wyoming? Most drivers assume that shopping direct yields the cheapest rates since that eliminates agent commissions, but unfortunately, it’s not that simple. And we’d like to say buying from an independent agent guarantees the cheapest rates because you have more choices, but that is not accurate either. In a lot of cases, the exclusive agents may have prices that are the cheapest in Wyoming.

Because of the variability of auto insurance rates, really the only way to get the cheapest rates is to get as many comparison quotes as possible. It’s a good idea to get rate quotes from all three in order to have the best selection to choose from. For a list of auto insurance companies with low rates, click here to view.