Big Horn Auto Insurance Rates, Quotes, Agents & Reviews in WY

Big Horn, WY Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Big Horn, WY, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Strategies for Saving Money on Car Insurance in Big Horn, Wyoming

If you own a car in Big Horn, WY, you are required by law to have car insurance. Car insurance protects you financially if you are in an accident. It can pay for repairs to your car, medical expenses, and property damage. If you cause an accident, car insurance can also help protect you from being sued. The average cost of car insurance in Big Horn, WY, is $1,827. This is higher than the average cost of car insurance in the state of Wyoming, which is $1495, according to Bankrate’s 2021 study of quoted annual premiums. 

Car insurance is not optional in Big Horn, WY. If a person is caught driving without insurance, they can be fined, license can be suspended, or can be sent to jail. Don’t take the risk; get car insurance as soon as possible. This article will provide information on the prices you pay on car insurance and way to lower your auto insurance in Big Horn, WY. This article will give you major insights on the strategies that can help you save some money on auto insurance as well as will educate you on the factors that influence insurance premiums in Big Horn, Wyoming. 

Strategy 1: Maintain an Excellent Credit History

Drivers with good credit are considered less risky than those with poor credit, and as a result, they often enjoy lower car insurance rates. Of course, other factors come into play when insurers set rates, including a driver's driving record, car type, and the amount of coverage they need. But in many cases, credit history is one of the key factors that can affect a driver's car insurance rates. For example, in Big Horn, WY, car owners with exceptional credit scores have to pay $1,568, while those with poor credit must pay $2,980. Therefore, the lower the auto insurance rates in Big Horn, Wyoming, the higher the credit score. So if you're looking for the best car insurance rates in Big Horn, Wyoming, it's a good idea to ensure your credit history is in good shape. Doing so could save you a significant amount of money on your car insurance.

Strategy 2: Avoid availing Car Insurance if you are a Teenager 

When it comes to car insurance, age is a factor that insurers consider when determining rates. In general, younger drivers tend to be viewed as higher risk and pay higher rates than older, more experienced drivers. In the town of Big Horn, Wyoming, this is especially true. For example, the average annual premium for a teenage driver in Big Horn is $5,928, while the average premium for a 40-year-old driver is just $1,740. That difference is $4188, or nearly three times as much. There are several reasons why younger drivers tend to pay more for car insurance. They're generally less experienced behind the wheel and have a higher rate of accidents and traffic violations. They're also more likely to take risks when driving, such as speeding or driving under the influence. All these factors make younger drivers a higher risk and a more expensive proposition for insurers. So, if you're young and looking to get car insurance in Big Horn, be prepared to pay more than your older counterparts.

Strategy 3: Maintain a Spotless Driving History

The best way to get cheap car insurance in Big Horn, WY, is to maintain a clean driving history. A clean driving history means your record has no accidents, traffic violations, or DUI convictions. Insurance companies view drivers with a clean driving history as being less of a risk, and as a result, they charge lower premiums. Driving through a red light or speeding ticket, for instance, will increase the cost of auto insurance in Big Horn, Wyoming, by $426 and $448, respectively.

Factors that can influence the cost of car insurance in Big Horn, WY are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Big Horn, WY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Big Horn, WY with that of other cities in and around Big Horn.

Big Horn Sheridan County Dayton Sheridan South Ranchester Story
Average Insurance Rates $1,827 $1,432 $1,402 $1,498 $1,415 $1,456

Big Horn, WY Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Big Horn, WY based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Big Horn $1,882 $1,589
Sheridan South $1,627 $1,375
Story $1,445 $1,221
Sheridan County $1,402 $1,184
Ranchester $1,360 $1,148
Dayton $1,591 $1,344

Big Horn, WY Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Big Horn, WY usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $5,928
20 Years $2,347
30 Years $1,808
40 Years $1,740
50 Years $1,611
60 Years $1,633
70 Years $1,901

Big Horn, WY Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Big Horn, WY can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,179 $475
3 Vehicles $4,768 $713
4 Vehicles $6,358 $950

Savings on 2 Vehicles bundle:$475

Savings on 3 Vehicles bundle:$713

Savings on 4 Vehicles bundle:$950

Big Horn, WY Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Big Horn, WY.

Location Average Insurance Cost Post DUI Insurance Rate
Big Horn $1,827 $3,362
Sheridan South $1,498 $2,757
Story $1,456 $2,680
Sheridan County $1,432 $2,635
Ranchester $1,415 $2,604
Dayton $1,402 $2,580

Big Horn, WY Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,568
Excellent (740-799) $1,789
Good (670-739) $1,904
Average (580-669) $2,484
Poor (300-579) $2,980

Big Horn, WY Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Jeffrey Rickett Allstate 237 N Main St, Sheridan, 82801 (307) 674-6495
Gary Mccoy Farmers 130 S Brooks St, Sheridan, 82801 (307) 672-2323
Bw Insurance Agency - Sheridan None 2 N Main St, Sheridan, 82801 None
Bill Phillips State Farm 123 Coffeen Ave, Sheridan, 82801-4804 307-672-3443
Burns Insurance Agency, Inc.-Sheridan None 400 Coffeen Avenue, Sheridan, 82801 None
Bw Insurance Agency Inc Liberty Mutual Independent 2 MAIN ST N, SHERIDAN, 82801 307-358-5953

Big Horn, WY Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$80 $1,907
Driver's Failure In Showing Documents +$177 $2,004
Driving With An Expired Registration +$188 $2,015
Driving At A Considerably Slow Pace +$396 $2,223
Using A Cellphone While Driving +$418 $2,245
Running A Red Light +$426 $2,253
Speeding +$448 $2,275
Driving A Vehicle Without The Required Permission +$568 $2,395
Driving With An Expired/Suspended License +$1,231 $3,058

Big Horn, WY Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,754
Active Disabling Device $1,754
Tracking Device $1,717
Passive Disabling Device $1,699