Stay safe on the open Wyoming roads by purchasing insurance from a top provider.
While driving through a Wyoming snowfall might be difficult, finding cheap auto insurance rates is easy. In this article, we’ll break down where to get cheap Wyoming car insurance quotes and why you should consider getting prices from multiple insurers.
The top auto insurance providers offer affordable rates and a mix of coverage options to protect you and your car on the road. Use the tool below to be matched with the best car insurance companies in Wyoming.
In this article:
- Factors That Affect Wyoming Car Insurance Quotes
- How Much Is Car Insurance In Wyoming?
- How To Get The Cheapest Wyoming Car Insurance Quotes
- What If I Can’t Afford The Minimum Insurance In Wyoming?
- Recommendations For Wyoming Car Insurance Quotes
Factors That Affect Wyoming Car Insurance Quotes
There are several factors that can affect the price of Wyoming car insurance quotes. Rates with most top providers are generally determined by how old you are, the type of car you drive, the type of driver you are, and your credit score.
- Age: Rates start high when you get your license and begin to fall through your 20s. When you enter the age of retirement, rates pick up a bit.
- Vehicle make and model: If you drive a high-performance or luxury car, electric vehicle, or sports car, you might have to pay a bit more for insurance. However, if these vehicles come with built-in safety features, you might qualify for discounts on your insurance premium.
- Driving history: Past moving violations, speeding tickets, car accidents, DUIs, hit-and-runs, and other infractions can cause your insurance rates to rise. Overall, keeping a clean driving record not only keeps you and others safe on the road but also keeps money in your pocket.
- Credit score: In Wyoming, the higher the credit score you have, the lower rates you are eligible for. If you’ve experienced a hardship that might hurt your credit score, it might be worth having a conversation with your insurer to see how it can help you.
- Location: Your zip code can affect your rates, as people living in urban areas generally experience more accidents and higher crime rates than those in rural areas.
Wyoming Car Insurance Minimum Requirements
Each state sets its own insurance requirements, and according to the Wyoming Insurance Department, the Cowboy State mandates drivers carry 25/50/20 liability auto insurance. To break this down, Wyoming law requires a state minimum coverage of:
- $25,000 of bodily injury liability per person
- $50,000 of bodily injury liability per accident
- $20,000 of property damage liability
It’s helpful to know these limits when requesting Wyoming car insurance quotes, but you should also consider purchasing a full coverage policy to make sure you’re covered after an accident. In addition to liability insurance, the types of car insurance that can make up full coverage policies are listed below.
- Collision: Collision insurance covers damage to your vehicle after an accident, no matter who is at fault.
- Comprehensive: Comprehensive car insurance protects your vehicle from environmental factors such as floods, fires, fallen tree branches, and hitting animals, as well as things like theft and vandalism.
- Medical payments (MedPay): MedPay covers medical and rehabilitation expenses in the event of an accident, including medical, dental, surgical, and more. The limits for MedPay generally depend on your policy.
- Uninsured motorist/underinsured motorist (UM/UIM): This type of coverage helps you compensate for medical bills and other related expenses if you’re involved in an accident with a driver that isn’t covered by insurance. Injuries caused by a hit-and-run driver are also included.
If you live in Wyoming and plan on taking out an auto loan, collision and comprehensive insurance may be required by your lender. But coverages like MedPay are optional, so it’s worth asking an agent for advice on which plans you need.
If you live in Wyoming, you might also need to purchase full coverage for all-terrain vehicles (ATVs), recreational vehicles (RVs), and other off-road vehicles, especially if national parks like Yellowstone or Grand Teton keep you busy on the weekends. Most top insurers have coverage available for these types of vehicles so you’re properly protected.
How Much Is Car Insurance In Wyoming?
Based on data from the National Association of Insurance Commissioners (NAIC), Wyoming is the eighth least-expensive state to purchase insurance for your car in. The association gathered that Wyoming car insurance quotes totaled an average of $742.20 per year in 2017.
To put this in perspective, in Louisiana, the most expensive state for car insurance, the NAIC determined drivers paid $1,443.72 annually. Below is a breakdown of how your expenditure could be allocated in Wyoming.
|Type of Coverage||Average Annual Expenditure in Wyoming|
*Most drivers carry liability coverage but not necessarily other types of auto insurance. Total average annual expenditure measures what Wyoming drivers actually spent on auto insurance in 2017.
The total cost is only an estimate of what you may see when getting Wyoming car insurance quotes. Everyone has different insurance needs and will receive varying rates based on the factors listed above. You can get free, personalized quotes from top providers in your area by entering your zip code into the tool below.
How To Get The Cheapest Wyoming Car Insurance Quotes
Smart shoppers searching for the cheapest Wyoming car insurance quotes can find ways to keep their premiums low by asking agents about discount opportunities. The most common discounts in the industry are:
- Student driver: Full-time students enrolled in college or high school with an A or B average can qualify for a good student discount. Some companies offer discounts once your young driver completes a driver safety course as well.
- Multi-vehicle: You can receive a discount for having more than one car insured on the same policy. This discount is great for married couples and those with children who are of driving age.
- Safety features: Your premium takes a cut when you choose to drive a vehicle with advanced safety features like anti-lock brakes, air bags, and anti-theft systems.
- Bundling: Well-known insurance companies that offer home, auto, and life insurance typically provide a discount when you bundle policies.
- Senior: Some providers offer discounts for adults over the age of 55 for completing a mature driver improvement course.
It’s important to note you aren’t limited to these five discounts. Other common ways to save money include military, paperless billing, pay-in-full, and autopay discounts. Another way to lower your total insurance cost is to learn how your premium changes with different deductibles. A deductible is the amount you will pay out of pocket toward repairs before your insurer steps in. The higher your deductible, the lower your premiums will be.
Usage-Based Insurance Programs
You can save money on Wyoming car insurance quotes by agreeing to participate in a usage-based driving program, typically through a mobile application or vehicle plug-in device.
Usage-based programs allow insurance companies to consider how many miles you drive and track nighttime driving, how fast you drive, braking, and acceleration to determine insurance rates. For example, in Wyoming, you could save up to 20 percent off your annual premium with USAA's SafePilotTM program. Keep in mind though that some usage-based programs can also raise your rates if you display poor driving behaviors.
What If I Can’t Afford The Minimum Insurance In Wyoming?
If you’re worried about affording the minimum insurance requirements in Wyoming, there are ways to keep premiums down and find cheap car insurance.
The easiest way to keep insurance rates low is to maintain a good driving record. But by comparing the premiums across multiple insurance companies, shopping for discounts, and inquiring about payment options, you can also make insurance more affordable.
If you can no longer afford your auto insurance, it may seem tempting to just cancel your policy and go without insurance for the time being. However, doing so will create a lapse in coverage, and when you can afford insurance again, your rates will be much higher. Instead, explain your situation to an insurance agent to see where you can save money, or request car insurance quotes from other providers to find out if you can get a better deal elsewhere.
Driving Without Insurance In Wyoming
As well as the penalties for having a lapse in coverage, if you’re caught driving without insurance in Wyoming, you can face serious consequences with the law. Some of the repercussions of driving as an uninsured motorist in Wyoming include:
- Fines between $250 and $750 for the first violation
- Fines between $500 and $1,500 for the second violation
- Driver's license and plate suspension until insurance is proven to the county
- Up to six months of imprisonment
Drivers in Wyoming have seven days to show proof of insurance and financial responsibility of the vehicle before being charged with any violations. These fines and punishments are not worth the risk, especially if your day-to-day schedule depends on your ability to drive.
Recommendations For Wyoming Car Insurance Quotes
When shopping for the best Wyoming car insurance quotes, it’s important to get quotes from multiple companies to make sure you’re getting the lowest price for your coverage. We recommend checking out Geico and USAA for cheap Wyoming car insurance quotes.
|Best Wyoming Car Insurance||Motor1 Rating||Customer Service||Affordability||Coverage|
|1. Geico Car Insurance||4.5||4.0||4.0||4.0|
|2. USAA Car Insurance||5.0||5.0||4.5||4.5|
|3. The Hartford Car Insurance||4.0||3.5||4.0||4.5|
|4. Safeco Car Insurance||4.0||3.0||3.5||4.5|
|5. Progressive Car Insurance||4.5||3.5||3.5||4.0|
*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our star ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Wyoming.
#1 Geico: Best Overall Provider
Geico tops our list as the Best Overall car insurance provider for Wyoming drivers because of its multiple choices for coverage, affordable pricing, and simple claims process.
Geico auto insurance regularly receives praise from industry experts, including an A+ from the Better Business Bureau (BBB) and an A++ (Superior) financial strength rating from AM Best. We gave the provider 4.5 stars in our review.
Popular options for discounted Geico rates include those for bundling home insurance and auto insurance, being a safe driver, and having vehicle safety features.
For more information on this provider, check out our full Geico car insurance review.
#2 USAA: Best For Military
Based on USAA car insurance reviews, military members and their families in Wyoming appreciate the insurer’s low rates, strong customer service, and comprehensive coverage plans. In addition to the six standard types of car insurance offered, USAA members have access to added perks and services like roadside assistance, rideshare insurance, and accident forgiveness insurance.
USAA has great discounts for military service members, including up to 15 percent off for parking your vehicle on a military base. Customers also appreciate the company’s mobile application, which makes it easy for Wyoming drivers to view insurance information and quickly file a claim.
If you want to explore more options, enter your zip code in the tool below to start comparing free Wyoming car insurance quotes from top companies in your area.