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Get Cheap Car Insurance in Grass Creek, WY

We monitor insurance prices, helping the average driver in Grass Creek save up to 31.9% on car insurance.

 

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The Cheapest Minimum Coverage in Grass Creek

The chart below shows the cheapest car insurance company in Grass Creek for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safeco Insurance, followed by Progressive, Geico, and Dairyland.

 
Grass Creek Insurer Monthly Cost
Safeco Insurance $36
Progressive $37
Geico $38
Dairyland $41

Savings for Every Kind of Grass Creek Driver

The table shows how much the average auto insurance customer in Grass Creek might save by following our recommendations.

Based on our extensive insurance data, we know the average Grass Creek driver will save about 23% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $345 per year by choosing the right vehicle insurance company. Some Grass Creek residents are paying out over $1,527 extra every year for auto insurance in Grass Creek. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Grass Creek Car Insurance vs. Wyoming

People living in Grass Creek pay an average of 2.24% less than the typical driver in the state. The average driver in Grass Creek can expect to pay about $676 per year, or $1,527 for full coverage.

Based on our analysis, Safeco Insurance will be the cheapest provider in Grass Creek for most people.

Car Insurance Prices by Grass Creek Neighborhood

Grass Creek, WY map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Grass Creek?

The map shows insurance prices in and around Grass Creek, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $20 per year within the city boundaries, with insurance premiums ranging from a high of $1,534 to a low of $1,514. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the East parts of Grass Creek.

Pick the Best Car Insurance Company for You in Grass Creek

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Grass Creek insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Grass Creek

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $345 over the average Grass Creek car insurance company.

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We use the average good driver, paying $99 per month, as our baseline for pricing in Grass Creek. State Farm, Progressive, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Grass Creek drivers with accidents on their records

In Grass Creek getting into an accident will raise premiums an average 25% for a yearly cost of $2,030. That's $503 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Progressive, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $467 over the competition.

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The best car insurance company for Grass Creek drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $416 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Grass Creek, tickets raise premiums on new quotes about $328. If you have a speeding ticket, we recommend State Farm, Safeco Insurance, and Dairyland for savings that beat the average insurance cost of $1,856 per year.

The best auto insurance for Grass Creek drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,379 per year in auto insurance premiums, which was $852 more than a driver with no major issues. State Farm, Nationwide, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $758 less each year.

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The least expensive car insurance company for new and young drivers in Grass Creek

In Grass Creek, State Farm costs young drivers $695 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 64% more for insurance than more mature drivers in Grass Creek. With an average cost of $4,231 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Farmers Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Grass Creek

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $39. State Farm, Geico, and Farmers Insurance provided the largest discounts to couples living in Grass Creek.

Geico gave the largest car insurance discounts to married couples, averaging $323 saved each year compared to an average Grass Creek couple's premiums.

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The cheapest car insurance in Grass Creek for drivers with bad credit

People with poor credit saved an average of $315 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $453 every year. Premiums for people with poor credit were about $1,980 in Grass Creek. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Safeco Insurance.

The best Grass Creek car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Grass Creek, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Grass Creek.

Nationwide was the best company for customer service in Grass Creek according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Grass Creek, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Grass Creek. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Grass Creek

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 30% of Grass Creek residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Progressive tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Progressive for pricing. The average Grass Creek driver can expect to pay about $107 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Grass Creek, USAA has the best prices for drivers with accidents, drivers with bad credit, good drivers, drivers with a DUI conviction, young drivers, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Grass Creek

What Influences the Cost of Car Insurance in Grass Creek?

On average, car insurance in Grass Creek is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Grass Creek is 25 minutes, which is a little less than average for a driver in the state.
  • Wyoming state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Grass Creek are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
  • Grass Creek is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Grass Creek is $56 per month for minimum coverage and $127 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

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* Who is the average Grass Creek driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Grass Creek with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.