Cheapest Car Insurance Rates for January 2021
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Cheap Auto Insurance in Wyoming: Best Companies & Quotes
Best Car Insurance Companies in Wyoming
- State Farm
- Farmers Insurance
|AM Best Financial Strength Rating||A++||A++||A-||A+||A||A++|
|JD Power 2019 Overall Customer Satisfaction score||5/5||3/5||3/5||3/5||3/5||4/5|
|Avg Annual Premium||$250||$261||$603||$828||$979||$1,001|
|Consumer Reports Reader Score||78||78||72||72||N/A||95|
|BBB Rating||A||A+||A+||A+||B+||Not Rated|
Auto Insurance Statistics in Wyoming
Auto insurance rates in Wyoming have shown that auto insurance rates in Wyoming have stabilized over the past few years. After a decline in 2011, they began to increase again but they are still well below the national average.
Top 10 Cheapest Car Insurance Companies in Wyoming
|Rank||Company Name||Avg. Annual Premium|
Drunk Driving Fatalities
Drinking and driving can be deadly and in Wyoming, there is no exception. To prevent accidents and deaths from drinking and driving, it is essential to avoid consuming alcohol while operating a motor vehicle in the state of Wyoming and anywhere else around the nation. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Wyoming vs. nationwide.
Drunk driving fatalities in Wyoming from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Wyoming is at a rate that is almost as high as that of the national average.
The data below demonstrates the level of drinking and driving taking place in Wyoming when compared to other states around the country.
Teen Drinking & Driving in Wyoming vs. Nationwide (2017)
Source: Center For Disease Control
SR-22 Insurance in Wyoming
If your license has been taken away, there are typically various hurdles you must face to have it reinstated. One of these challenges is an SR-22 insurance policy. This type of policy is an insurance plan that offers a minimum level of coverage — your insurance provider will be required to submit a form to your Wyoming DMV to verify your coverage.
Wyoming follows the same coverage that you’ll find in many states around the country. You need $20,000 of property damage coverage, $50,000 for multiple injuries or death, and $25,000 for a single injury or death. You can ask your insurance provider for additional information about the most up to date requirements.
Car Theft in Wyoming
Car theft in Wyoming occurs at a rate that is much lower than the national average. It helps to understand the level of car theft in the State you will be driving in. This helps in determining what type of car insurance coverage you need. Understanding the number of car thefts in Wyoming will help drivers to have a more comprehensive understanding of the level of risk they take while driving and owning a car in the state.
Vehicle thefts by rank Nationwide vs. Wyoming
Uninsured Motorists in Wyoming
Without car insurance, drivers are liable to pay for expenses from a car accident directly out of pocket. To avoid this scenario, it is recommended to carry uninsured and underinsured motorist coverage. The below data shows how well Wyoming ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Source: Insurance Information Institute
Wyoming may be known as the Equality State, but it can seem very unfair when you compare the broad spectrum of auto insurance rates that different drivers pay. In fact, when the top most affordable auto insurance companies providing cheap coverage to Wyoming drivers were analyzed, the difference was more than $400 per year. Keep in mind this wide range was only including the most affordable insurance companies. You can only imagine how much more money you would pay in auto insurance each year if you obtained coverage from one the companies not included in this list.
Who Has the Cheapest Auto Insurance in Wyoming?
If you want to save money on your auto insurance in Wyoming, you understandably want to find good car insurance companies to obtain quotes from. It makes sense to obtain quotes from several companies. After all, while one company may have the cheapest average rates, another company have the cheapest specific rate for you. State Farm, GEICO and Grange were the top three most affordable auto insurance companies on the list. You may also consider getting quotes from others on the list, including Wyoming Average, California Casualty and Allstate. However, keep in mind that the difference between State Farm and Allstate for the average driver was more than $400 per month.
Where You Live Matters
While finding the cheapest car insurance in Wyoming is easier to do when you know which companies have the lowest rates in general, remember that where you live will factor into your rates. The top most populated cities in Wyoming that have the lowest rates are Sheridan, Green River, Rock Springs, Cheyenne and Riverton. On the other hand, well-populated cities that have the highest rates on average include Jackson, Buffalo, Worland, Fort Washakie and Lander. Some companies offer cheaper rates in specific cities than in others. For example, GEICO offered the lowest rates in Cheyenne, Jackson and Casper. State Farm had the lowest rates in a wide range of cities, including Laramie, Gillette, Riverton, Rock Springs, Sheridan, Green River and others.
Finding Reputable Companies That Drivers Love
When you are looking for a top auto insurance company in Wyoming, rates may certainly be at the top of your list of criteria. However, you likely also want to find a reputable company that drivers love to work with. Through the Wyoming Department of Insurance’s records, the number of consumer complaints filed against the top auto insurance companies were reviewed. The number of complaints was compared against the number of policies issued to create an average complaint index. The best companies to work with that have the least average number of complaints in Wyoming are Progressive, State Farm, Mountain West Farm Bureau Mutual, Mid-Century Insurance, Farmers and others.
Are You Paying Too Much for Car Insurance?
You may be wondering if your rates are in line with the state average or if you should shop around for lower rates. By learning more about the average amount drivers in your area are paying for auto insurance, you can learn about the need to shop around for better rates. Consider that the state average is $959 per year. Residents in Sheridan, Green River, Rock Springs, Cheyenne and a few others typically pay less than this average. On the other hand, residents in Jackson, Buffalo, Lander and others typically pay more than this average. Keep in mind that many factors can affect the cost of your car insurance in Wyoming. For example, factors such as age, gender, the vehicle you drive, your driving history and more are all specific to you, and these are critical factors that influence your rates.
Should You Shop for New Coverage?
After you have reviewed all of these factors, you may still not be sure if you need to shop for cheaper auto insurance in Wyoming. For example, you may currently pay more than the average, but you may have several auto accidents on your driving history. Therefore, a higher than average rate is to be expected. Auto insurance rates can fluctuate and change from time to time. With this in mind, it is wise for most drivers to shop for new rates every year or two. This is a great way to identify savings available with another company.
Types of Auto Insurance Coverage in Wyoming:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
Minimum Auto Insurance Requirements in Wyoming
There are minimum requirements for auto insurance in the state of Wyoming. According to Wyoming’s Mandatory Auto Insurance Law, each vehicle in the state needs to be covered by a minimum of liability insurance coverage
The liability minimums in Wyoming are as follows:
- $20,000 for property damage in an accident
- $25,000 per person in an accident
- $50,000 for each accident
Cheap Auto Insurance Discounts
At Cheap Auto Insurance, our goal is to provide you with the information and resources you need to save as much as possible on the cost of car insurance. That is why we have compiled a list of the best auto insurance discounts in the state of Wyoming. Browse the list below to find some of the auto insurance discounts you can use to save on the cost of car insurance each month or year in Wyoming.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Auto Insurance in Wyoming
In this section, you will find general questions regarding auto insurance in Wyoming.
How does a teen get car insurance in the state of Wyoming?
A teen can get car insurance in the state of Wyoming by being add to their parent or guardian’s car insurance policy. If they are over the age of 18, they can go on their own insurance policy by contacting an insurance company directly and requesting a quote. Learn more about how to get the cheapest insurance for teens.
Who is responsible for keeping insurance on a car in Wyoming?
The person who is responsible for keeping insurance on a car in Wyoming is the person that owns the car. A car owner will have to ensure car insurance is on their car or risk serious consequences.
How to file an accident claim in Wyoming?
The best way to file an accident claim in Wyoming is to contact your insurance company directly after an accident. Be sure to have the accident report on hand and pictures of any damages done with 7 days of the accident occurring.
Who can be covered under a Wyoming auto insurance policy?
Anybody over the age of 18, who has a valid driver’s license and who owns a vehicle can be covered under a Wyoming auto insurance policy. Even teenagers who have their learner’s permit or temporary license can also be covered under an auto insurance policy in their parent or guardian’s name.
What type of auto insurance is needed to register a car in Wyoming?
The type of auto insurance that is needed in order to register a car in Wyoming is the state minimum required insurance of liability that must include total bodily injury coverage and property damage coverage.
How long does your existing insurance cover a new car in Wyoming?
Your existing car insurance can cover a new car in Wyoming for up to 7 to 30 days. You will have to contact your existing car insurance company within this time frame to make them aware of your new car purchase.
In Wyoming, how do you find the lowest auto insurance?
In Wyoming, you can find the lowest auto insurance by simply doing your research. Visit insurance companies in your area and request a quote for your car. Choose the insurance company that offers the best coverage with the lowest payment. Of course low down payment insurance is optimal if you can find it.
Do Wyoming drivers who have no car, need car insurance?
No. In Wyoming, if a driver who doesn’t have a car doesn’t need car insurance. However, it is recommended that they have a supplemental car insurance plan to protect them from damages done to a car they drive in the case of an accident.
How to decide on the best auto insurance in Wyoming based on consumer reports?
In order to decide on the best auto insurance in Wyoming based on consumer reports is to conduct research personally on the insurance companies that are included in the consumer reports. Take into account what consumers have been reporting about these companies. Then make an informed decision based on the opinions and facts of consumers. Learn more about how to find cheap car insurance.
How long do I have to register a car and get insurance after purchase in Wyoming?
After purchasing a car in Wyoming, you will have to purchase insurance within a few hours of purchase. It is against the law to drive a car in Wyoming without insurance. To register a car in Wyoming, you will have 30 days and must complete a VIN inspection.
What car insurance is available in Wyoming?
The type of car insurance that is available in Wyoming is liability insurance, full coverage insurance and commercial insurance. The type of car insurance that you may need will require on your profession and the type of car you own. If this is a temporary need then ask about 1 month car insurance policies.
What year was car insurance made mandatory in Wyoming?
Car insurance in Wyoming was made mandatory in 1927, following the suit of many other states that made car insurance mandatory. Wyoming made insurance mandatory two years after Connecticut required auto insurance, the first state to do so.
How does an officer know if ID for auto insurance is valid in Wyoming?
The way an officer will know if ID for auto insurance is valid in Wyoming is by looking at the effective date labeled on the card. They can also run the insurance policy through their system to see if the registration and insurance line up in effective dates.
How to buy car insurance in Wyoming?
Buying auto insurance in Wyoming is easy. First gather insurance quotes from local car insurance agencies near you. Once you compare the rates and have found the best rates for the coverage, you will have to purchase the first month’s premium before your car will be insured.
How soon should I change car insurance when moving to Wyoming?
Upon moving to Wyoming, you will have between 30 to 90 days in order to change your car insurance. It is recommended that you change your car insurance policy to a policy in the state you live within two months of moving. Learn more about how to change car insurance.
Auto Insurance Rates in Wyoming
In this frequently asked question section, you will find general questions pertaining to auto insurance rates in Wyoming.
How much is car insurance in Wyoming?
The average cost of car insurance in Wyoming is around $650 for a yearly premium. The cost of car insurance in the state will depend on the type of coverage purchase, the county your live and the type of car being insured. When you go to get quotes for car insurance make sure you compare multiple companies to get the cheapest rate.
How does a reckless driving ticket affect insurance in Wyoming?
A reckless driving ticket in Wyoming can affect car insurance rates by increase the price for up to 3 years, depending on how low the ticket stays on your personal driving record and the seriousness of the ticket.
How much is car insurance in Wyoming?
The typical rate for car insurance in Wyoming can range from $650 to as high as $4,000 for a yearly premium. The rate of car insurance will range depending on the type of coverage and cost of deductibles. Read more: How much is car insurance?
How long do I have to get insurance after buying a car in Wyoming?
In Wyoming, you will be required to purchase car insurance on a car within a few hours of purchasing a car in Wyoming. Upon purchase of a car, you will not be allowed to drive away with it until you have the necessary insurance. To get car insurance today enter your zip code above.
What is the minimum price of collision auto insurance in Wyoming?
The minimum price of collision auto insurance in Wyoming will range depending on the deductible of the policy and the preference of the driver. Regardless, the minimum is $25,000 for bodily injury coverage and $20,000 for property damage coverage.
Which auto insurance is the cheapest in Wyoming?
The cheapest insurance coverage in Wyoming is from Safeco. The offer the lowest rates at $90 a month for basic liability coverage. This is followed by GEICO insurance and State Farm auto insurance. And some would argue that classic car insurance is actually the cheapest kind of insurance you can get since insurers are counting on you not even driving the car much.
How long can a moving violation increase insurance rates in Wyoming?
A moving violation can increase car insurance rates in Wyoming for as long as 3 years. This will depend on the severity of the moving violation and how long the offense stays on your personal driving record.
How much is full coverage auto insurance in Wyoming?
The cost of full coverage auto insurance in Wyoming can range in price from $1,200 to $3,000 for a yearly premium. The price will range depending on the deductible and the county in which you live.
What is the best county with the best auto insurance rates in Wyoming?
The county in Wyoming that has the best auto insurance rates is Carbon County starting as low as $1,100 for a yearly premium. Followed by that is Natrona county with rates as low as $1,150 for a yearly premium.
How much does it cost for a new driver for auto insurance in Wyoming?
The average cost for a new driver to get covered under auto insurance in Wyoming will range between $2,200 to $3,200 for a yearly premium. This is due to the high-risk of new drivers and the likelihood they will have an accident within their first year. You may also qualify for cheap auto insurance for college student discounts if you have good grades.
What is the average price for car insurance in Wyoming?
The average price for car insurance in Wyoming is around $650 for a year depending on the county. This price is also dependent on the personal driving record of the driver and whether or not they live in a high-risk area. Get an insurance estimate car quote today to see what it would be for you.
How much is auto insurance for an 18 year old in Wyoming?
The cost of auto insurance for an 18 year old in Wyoming is around $3,000 to $4,000 for a yearly premium. This will be dependent on the deductible of their parent’s policy and whether they live in a county that is considered high-risk.
How to reduce your auto insurance in Wyoming?
The best way to reduce your auto insurance in Wyoming is to maintain excellent credit, have a good driving record, reduce the amount of the deductibles and to have the lowest insurance coverage allowed by Wyoming state law.
Auto Insurance Companies in Wyoming
In this section, you will find general questions regarding auto insurance companies in the state of Wyoming.
What are three companies that offer car insurance in Wyoming?
Three insurance companies that offer car insurance coverage in Wyoming are:
- Farmer’s Insurance-ranked number one in the state by consumers.
- State Farm Insurance-offers the best customer service and coverage options in Wyoming.
- Progressive Insurance-Is ranked higher for rental car coverage and fulfillment.
Why are car insurance rates in Wyoming so expensive?
Car insurance rates in Wyoming may be expensive due to a variety of factors such as:
- The rise of state taxes
- The number of accident claims filed yearly in the state of Wyoming
- Personal driving record
- Personal credit history
Who has higher car insurance rates in Wyoming?
The car insurance company that has the highest rates in Wyoming is Grange Insurance Association. This price of their insurance policies can be higher due to personal driving record and the coverage type offered.
In Wyoming, how long do auto insurance companies have to answer questions or claims?
In Wyoming, auto insurance companies can have anywhere between 7 days to 30 days to respond to questions or claims from consumers. The sooner they respond to these claims, the better.
Which auto insurance company has the lowest insurance rates in Wyoming?
The auto insurance company that has the lowest insurance rates in Wyoming is Progressive insurance. Currently they offer the state minimum liability insurance for only $881 for a yearly premium. Of course, this price will depend on the county of the insurer.
How do car insurance companies in Wyoming handle car accident claims?
Car insurance companies in Wyoming handle car accident claims by taking into account accident reports, witness statements from both parties, damage reports done by repair shops to get an estimate on the cost of the damage and police reports. With these factors, they can determine whether or not they will cover the damages done.
Which auto insurance company offers guaranteed auto protection insurance in Wyoming?
The auto insurance company that offers guaranteed auto protection insurance in Wyoming is State Farm. With this guarantee, they offer to protect any drivers on their policy in the case of an accident.
How do car insurance companies in Wyoming rate your policy?
An insurance company in Wyoming will rate your policy based on a variety of factors such as:
- Personal driving record
- Credit rating
- Type of car being insured
- The county you live in
- Whether you are considered to be a high-risk driver
- The deductible amount
- Type of coverage purchased
Lack of Insurance in Wyoming
In this frequently asked question section, you will find frequently asked questions pertaining to the lack of insurance in the state of Wyoming.
How many people in Wyoming don’t have car insurance?
The number of people who currently don’t have car insurance in Wyoming is around 7.8%. Wyoming currently ranks 41 in the United States for the number of uninsured drivers compared to insured drivers.
What happens if you get into a car accident in Wyoming and have no auto insurance?
If you get into a car accident in Wyoming and have no auto insurance, you may be at risk to serious penalties such as fines or loss of driving privileges. You will also have to cover any damages done in the accident out of your own pocket.
How to get a no proof of auto insurance ticket in Wyoming?
The way to get a no proof of auto insurance ticket in Wyoming is to be pulled over by a police officer while you are driving with no insurance. When the officer asked for proof of insurance and you don’t have it, you may be given a citation for driving with no insurance and can have your car towed.
How much is the fine for no auto insurance car in Wyoming?
The fine for driving with no auto insurance on a car in Wyoming will depend on the number of no insurance offenses you have. For the first offense, the fine is between $250 to $750. This price will increase for the second offense to $500 to $1,500.
What happens if you don’t have car insurance in Wyoming?
If you don’t have car insurance in Wyoming and are caught driving a vehicle that is not insured in the state, you can face serious consequences such as loss of the ability to drive, hefty fines and possible jail-time depending on the severity.
Is there a penalty for driving with no car insurance in Wyoming?
Yes. The penalty for driving a car with no car insurance in the state of Wyoming will range depending on the severity of the offense. Most drivers caught with no insurance can risk losing their driving privileges, having their car towed, forced to pay hefty fines and can even face time in jail.
Do you have to have SR22 insurance in Wyoming if you have DUI?
It is likely you would need SR22 insurance if you got a DUI in Wyoming. Talk to legal professionals and or insurance agents to be sure. In the meantime we help you find cheap sr22 auto insurance by comparing quote from multiple companies. A visitor recently left a review about how we helped them find affordable California sr22 insurance for example.
Auto Insurance Coverage in Wyoming
In this frequently asked question section, you will find answers to questions regarding auto insurance coverage in Wyoming.
What insurance coverages are required by law in the state of Wyoming?
In the state of Wyoming, the type of insurance coverages that are required is to have a minimum of liability insurance. This insurance will have to have bodily injury coverage and property damage coverage.
What does comprehensive insurance cover in Wyoming?
Comprehensive insurance coverage in Wyoming covers a car against damages that have not resulted from a collision. It will also cover a car in the possibility of a theft, vandalism or environmental factors such as rockslides.
By law in Wyoming, what insurance covers auto damages?
By law in Wyoming, the type of insurance that covers auto damages is liability insurance with bodily injury and property damage protection. This type of insurance will cover damages done to a car regardless if you caused the accident or not.
What automobile insurance liability coverage is required in Wyoming?
The minimum automobile insurance coverage that is required in Wyoming is liability insurance. This insurance will have to include the minimum coverage of $25,000 for total bodily injury protection and $20,000 for property damage protection. To get the cheapest liability insurance get some quotes and compare.
What is the minimum car insurance required in Wyoming?
The minimum car insurance that is required in the state of Wyoming is liability. Drivers will have to have a minimum insurance policy with liability insurance that must include bodily injury, total bodily injury and property damage coverage included in the policy.
What are the recommend auto insurance coverages in Wyoming?
The recommended auto insurance coverages in Wyoming is the state minimum of liability and full coverage. This will depend on whether or not you live in a county that is considered to be a high-risk area.
What is the standard car insurance coverage in Wyoming?
The standard car insurance coverage in Wyoming is liability. Not only is it the state minimum required insurance required of all drivers in the state, but it is also one of the cheapest insurance policies you can have.