The Rocky Plains can make for a treacherous terrain, especially in severe weather. In 2017, Wyoming had 422,465 licensed drivers, and together they have made Wyoming the second most dangerous place to drive.
That changes the price of car insurance, so more drivers are looking for the cheapest car insurance with the best coverage. When shopping for new car insurance, there are some factors to consider to help you find the best car insurance in Wyoming for you.
Best car insurance companies in Wyoming
|Car insurance company||Average annual premium for full coverage||J.D. Power customer satisfaction score|
With Allstate, discounts are limited, but there are still some options available to help lower your premium. Additional coverage options include roadside assistance, personal injury protection (PIP) and rental car insurance. Even better, local agents are available to iron out the kinks in your policy or help you track a claim.
Farmers Insurance has fantastic options for your Wyoming car insurance policy, including coverage for things like rideshare insurance, loss of use, Guaranteed ValueTM replacement coverage and accident forgiveness. It holds an A- (Excellent) rating from AM Best for great financial stability, but watch out for below-average customer satisfaction scores.
Geico is known for having inexpensive ratings that can help you save on car insurance. The many discount options, such as for good students or people with multiple policies, can lower rates even further for Wyoming drivers.
State Farm is a large insurance company with lots of agents, so it’s easy to find someone to talk to about your insurance policy when you need to. The company offers a variety of discounts and insurance options for almost anything you’d need including boat insurance, RV insurance and motorcycle insurance.
Average car insurance cost in Wyoming
Car insurance in Wyoming is almost $300 cheaper than the average cost of car insurance in the U.S. While the national average cost of car insurance is $1,738 annually, the average Wyoming resident only pays $1,478 per year.
|Average annual premium for minimum coverage in Wyoming||Average annual premium for full coverage in Wyoming|
How to get the best car insurance
When shopping for the best car insurance in Wyoming, these are some things to consider that can help you find the right car insurance provider for you:
- Evaluate your needs: If you have an accident, there are certain repairs and medical bills that could cost thousands of dollars. By insuring yourself with a reliable insurance company, an insurance claim can provide the protection you need. Take your time and research the details of a company. Consider other things beyond price, such as how long it takes the company to process a claim.
- Consider state factors: Many states require minimum coverage for your auto policy, and Wyoming is no different. The state follows the typical minimum insurance requirements, which is $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident and $20,000 property damage liability per accident. Drivers are also required to have uninsured motorist coverage in case there is an accident with an uninsured driver. This includes $25,000 bodily injury per person, $50,000 bodily injury per accident and $20,000 property damage per accident.
Car insurance discounts in Wyoming
Look for exclusive auto insurance discounts and savings programs which are easy ways to save on your policy. They could make the difference in determining the cheapest car insurance in Wyoming for you.
|Automatic payment/paperless billing||X||X|
|Defensive driving course||X||X|
|Low annual mileage||X||X|
|Occupational or organizations||X|
|Safe driver/accident free||X||X||X||X|
Frequently asked questions
What is the cheapest car insurance in Wyoming?
The cheapest car insurance in Wyoming for you depends on your past history and current needs. Car insurance companies need to confirm you are trustworthy, so they know how much of a risk you are. The car insurance companies we have included here will be a valuable resource when looking for the cheapest car insurance in Wyoming.
What information is needed to get car insurance in Wyoming?
Insurance companies require you to supply your vehicle details, like the make, model and year of your car. You will also need to furnish personal information like your social security number and address.
What is an SR-22, and do I need one?
An SR-22 requires drivers with serious offenders like those with a Driving Under the Influence (DUI) charge. The Safety Responsibility form, or an SR-22, proves that high-risk drivers are compliant with Wyoming’s minimum insurance requirements. The required period is a total of 36 consecutive months.
Why does my age matter for my auto policy?
It has to do with risk. Younger drivers are not as experienced with driving, so they are more likely to get into accidents. There can also be additional discounts for college students away at college and seniors, like members of AARP. Ask your car insurance company what extra savings you may gain based on your age.
Bankrate utilizes Quadrant Information Services to analyze 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 coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.