Mills, WY Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Mills, 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.
Find Affordable Car Insurance in Mills, WY with These Tips
The average cost of car insurance in Mills, WY, is $1341. Car insurance is a necessary expense for any driver in Mills, WY, but finding affordable coverage can be a challenge. With so many factors impacting insurance rates, it can be difficult to know where to start your search for affordable car insurance. However, you can save money on your car insurance premiums by understanding the key factors that insurers consider when setting rates and taking some proactive steps to manage your coverage. In this article, we'll share some tips and strategies to help you find affordable car insurance in Mills, WY, without sacrificing coverage or peace of mind.
Credit History
In Mills, WY, your credit history can also play a role in determining your auto insurance rates. Many insurance companies use credit-based insurance scores as a factor in setting premiums, as studies have shown that drivers with better credit tend to file fewer insurance claims. Insurers believe that a good credit score is an indicator of a responsible and reliable person, which translates into a lower risk of accidents or other claims. As a result, drivers with poor credit scores may face higher insurance premiums compared to those with better credit scores. For example, in Mills, WY, car owners with exceptional credit may be required to pay an average premium of $1151, while those with poor credit may be required to pay an average premium of $2187 for the same coverage.
Age of the Driver
Another key factor impacting auto insurance rates in Mills, WY, is the driver's age. Generally, insurers consider younger drivers a higher risk as they tend to have less driving experience and may be more prone to accidents. As a result, drivers under 25 may face higher insurance rates compared to older, more experienced drivers. However, some insurance companies offer discounts to young drivers who maintain good grades in school or complete a driver education program. On the other hand, older drivers may also face higher insurance rates if they have certain health conditions that could impact their driving ability. For example, in Mills, WY, Teenagers in Mills, WY, typically pay an average premium of $4351 for car insurance. In contrast, drivers who are 30 years or older in Mills, WY, typically pay lower insurance premiums, with an average of $1327 for the same coverage.
Driving History
In Mills, WY, your driving history is one of the primary factors insurance companies consider when setting your auto insurance rates. Your driving record can provide insurers with valuable insight into your level of risk as a driver and can help them assess the likelihood of you being involved in an accident. Drivers with clean driving records who have not been involved in accidents or received traffic violations are generally considered lower-risk and may qualify for lower insurance rates. Conversely, drivers with a history of accidents or violations may be considered riskier and may face higher insurance premiums. For example, in Mills, WY, the cost of vehicle insurance will increase by +$904 and +$312, respectively, if a driver is caught driving with a suspended license or runs a red light.
Factors that can influence the cost of car insurance in Mills, 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.
- Mills, WY Auto Insurance Rates
- Mills, WY Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Mills, WY
- Multi Vehicle Insurance Savings in Mills, WY
- How Credit Score Affects Car Insurance Rates in Mills, WY
- How DUI Affects Auto Insurance Premiums in Mills, WY
- Top Auto Insurance Agents Near Mills, WY
- How Driving Violations Affect Auto Insurance Rates in Mills, WY
- Mills, WY Auto Insurance Discounts on Anti Theft Feature
Mills, WY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Mills, WY with that of other cities in and around Mills.
| Mills | Casper | Vista West | Bar Nunn | Red Butte | Casper Mountain | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,341 | $1,402 | $1,494 | $1,417 | $1,461 | $1,540 |
Mills, 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 Mills, 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) |
|---|---|---|
| Mills | $1,430 | $1,208 |
| Vista West | $1,189 | $1,004 |
| Hartrandt | $1,089 | $920 |
| Casper | $958 | $809 |
| Red Butte | $1,320 | $1,115 |
| Bar Nunn | $1,525 | $1,288 |
| Evansville | $1,485 | $1,255 |
| Casper Mountain | $1,954 | $1,650 |
Mills, WY Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Mills, 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 | $4,351 |
| 20 Years | $1,723 |
| 30 Years | $1,327 |
| 40 Years | $1,277 |
| 50 Years | $1,182 |
| 60 Years | $1,199 |
| 70 Years | $1,396 |
Mills, WY Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Mills, 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 | $2,280 | $402 |
| 3 Vehicles | $3,420 | $603 |
| 4 Vehicles | $4,559 | $805 |
Savings on 2 Vehicles bundle:$402
Savings on 3 Vehicles bundle:$603
Savings on 4 Vehicles bundle:$805
Mills, 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 Mills, WY.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Mills | $1,341 | $2,468 |
| Vista West | $1,494 | $2,750 |
| Hartrandt | $1,389 | $2,556 |
| Casper | $1,402 | $2,580 |
| Red Butte | $1,461 | $2,689 |
| Bar Nunn | $1,417 | $2,608 |
| Evansville | $1,385 | $2,549 |
| Casper Mountain | $1,540 | $2,834 |
Mills, 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) | $1,151 |
| Excellent (740-799) | $1,313 |
| Good (670-739) | $1,397 |
| Average (580-669) | $1,823 |
| Poor (300-579) | $2,187 |
Mills, 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 |
|---|---|---|---|
| Rory Shogren | Farmers | 4100 Sweetbrier St Ste 101, Casper, 82604 | (307) 265-0308 |
| Jason Paris | State Farm | 200 S Forest Dr, Casper, 82609-2247 | 307-266-6213 |
| Dee Dee Lore | Allstate | 823 S Center St, Casper, 82601 | (307) 234-8493 |
| John Heisey | Farmers | 261 S Center St, Casper, 82601 | (307) 265-2418 |
| Larry King | State Farm | 4100 Sweetbriar, Casper, 82604-4579 | 307-266-6206 |
| Jim Waldron | Farmers | 350 W A St Ste 204, Casper, 82601 | (307) 577-7100 |
| Mike Lougee | State Farm | 1805 E 2nd St, Casper, 82601-3008 | 307-577-MIKE |
| Rich Hepner | Allstate | 1957 E A St, Casper, 82601 | (307) 266-2116 |
Mills, 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 | +$59 | $1,400 |
| Driver's Failure In Showing Documents | +$130 | $1,471 |
| Driving With An Expired Registration | +$138 | $1,479 |
| Driving At A Considerably Slow Pace | +$291 | $1,632 |
| Using A Cellphone While Driving | +$307 | $1,648 |
| Running A Red Light | +$312 | $1,653 |
| Speeding | +$329 | $1,670 |
| Driving A Vehicle Without The Required Permission | +$417 | $1,758 |
| Driving With An Expired/Suspended License | +$904 | $2,245 |
Mills, 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 | $1,287 |
| Active Disabling Device | $1,287 |
| Tracking Device | $1,261 |
| Passive Disabling Device | $1,247 |