How a speeding ticket impacts your insurance in Wyoming

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In 2019, the most recent year with available data, Wyoming recorded 277 deaths caused by a driver who was speeding or driving too fast for road conditions. Understand speeding laws and the effect a speeding ticket in Wyoming has on your insurance premium may serve as a deterrent for this risky driving habit. If you have seen a recent increase in your premium due to a Wyoming speeding ticket, Bankrate may be able to help you take action that might save you money.

How much is a speeding ticket in Wyoming?

Wyoming has a basic speeding law. Wyoming state law requires drivers to use their common sense in all driving conditions. For example, driving the posted speed limit, while usually safe, may be a poor decision if there is snow or ice on the road. When a driver is convicted of violating the basic speeding law, there is a flat $85 fine.

When road conditions are fine, speeding ticket costs in Wyoming vary by the severity of the infraction.

Miles per hours (mph) over speed limit Fines
1 to 5 mph over $5 for every mile over the speed limit
6 to 10 mph over $30 fine plus $5 for every mile over the speed limit
11 to 20 mph over $45 fine plus $5 for every mile over the speed limit
21 or more mph over $95 fine plus $5 for every mile over the speed limit

How much does a speeding ticket increase your car insurance in Wyoming?

Does your insurance go up for a speeding ticking in Wyoming? Yes, but the amount varies depending on a few factors. Your age, gender, past driving history, the type of car you have, and the coverage types and limits you choose could all impact your base premium and your premium increase after a Wyoming speeding ticket.

Men and women pay different amounts for car insurance because, statistically, men are more likely to speed and get into a car accident. Each year there are twice as many male deaths than  female deaths on America’s roadways. Insurance rates must reflect this since men are more likely to file a claim.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
40-year-old male $1,562 $2,050 31%
40-year-old female $1,428 $1,959 37%
Total average $1,495 $2,005 34%

The average cost of car insurance for men is generally higher than it is for women, but women in Wyoming tend to see a higher percentage increase in their premium after a ticket. After a speeding ticket in Wyoming, the genders pay nearly the same amount for coverage. You may pay more or less than these average rates, though, depending on your unique rating factors.

How to lower your car insurance after a speeding ticket in Wyoming

Premiums generally increase after a speeding ticket, but there are still ways you may be able to save with a speeding ticket on your record.

Get quotes from other car insurance companies

Getting quotes from other Wyoming insurance companies may save you money. This is because each insurance company uses a different rating method and penalizes speeding tickets by a different degree. The table below shows the average increase drivers can expect with their insurance provider after receiving a speeding ticket:

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
Allstate $1,675 $1,931 15%
Geico $1,872 $3,911 109%
State Farm $1,234 $1,270 3%

*Premiums are average annual full coverage premiums for 40-year-olds

While shopping around, you might also want to research customer complaints, discounts, coverage options, financial strength, and customer satisfaction scores to find the best car insurance provider for your needs.

Bundle your policies

Many insurance companies provide a significant discount when you purchase multiple policies. The most common bundle is auto and home, but you may also save if you bundle your car insurance with a renters or condo owners policy, a life insurance policy or a pet insurance policy.

Consider the car you drive

The make and model of the car you drive impacts your premium. Different cars have different statistical likelihoods of accidents, different costs for parts and labor, and different safety features, all of which can affect how much you pay for car insurance. While getting a different car may not be the most practical way to save on car insurance, it could be a good option if you really need to lower your premium.

Other speeding ticket considerations

If you receive four speeding tickets within a year, the state may suspend your license for 90 days. However, it is possible to lose your license for up to one year if an examiner deems you are likely to speed again in the near future.

A judge may also order you to take a traffic school course if you have too many convictions. Fortunately, drivers may be able to take the course online at their own pace. In some instances, a traffic school course may erase some of the fines you have been ordered to pay.

Frequently asked questions

What is the best car insurance company for drivers with speeding tickets?

The best car insurance company will vary based on each driver’s wants and needs. Even for drivers with speeding tickets, the best company won’t be the same for everyone. Understanding your preferences and needs and then getting quotes from several different carriers might help you find the right company for you.

What happens if I get too many speeding tickets in a short amount of time?

It is possible your insurance company may cancel your policy, which means you might need to search for high-risk insurance, and your license may be revoked. It is also possible that you will be ordered to file an SR-22 with the state. SR-22s prove that you are adequately insured and require the insurance company to notify the Wyoming Department of Transportation if your policy is cancelled.

How long does a speeding ticket stay on your record in Wyoming?

You might always see a speeding ticket on your driving record, but your car insurance shouldn’t be affected indefinitely. Speeding tickets stay on your insurance record for three to five years in Wyoming, but the length of time can vary based on the insurance company you choose.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania.

Written by
Lauren Ward
Insurance Contributor
Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, and life insurance, as well other topics in the personal finance industry.
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