Cheapest Car Insurance In Wyoming For 2024

Finding affordable car insurance in Wyoming can be tough, but there are options out there. GEICO offers competitive rates and dependable service, covering everything from basic to comprehensive needs.

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Written by Bob Phillips
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With the cost of living on the rise and plenty of choices available, it’s crucial to find car insurance that fits your budget and requirements. Whether you’re a new driver, a daily commuter, or a family looking to cut down on insurance costs, understanding what affects your premiums and where to find the best deals is key. Drawing from over a decade of research into car insurance policies, I’ve gathered insights to help you navigate this complex market.

This guide delves into the specifics of car insurance in Wyoming, examines the factors that influence prices, and gives practical tips for getting affordable coverage without sacrificing protection. Let’s dive into this journey towards savings and discover strategies for securing the most budget-friendly car insurance in Wyoming.

Cheapest Car Insurance Companies In Wyoming

Cheapest Car Insurance In Wyoming For Drivers With Prior Incidents

Wyoming drivers who’ve experienced accidents, speeding tickets, or DUIs often find it hard to access affordable auto insurance. These incidents mark them as high-risk drivers to insurance companies, which raises the likelihood of future claims.

This issue is more pronounced in Wyoming due to the higher occurrence of traffic accidents. Insurers rely on data to set premiums, acknowledging a correlation between past driving incidents and the likelihood of future claims.

Cheapest Car Insurance In Wyoming After A Speeding Ticket

State Farm stands out as a top pick for budget-friendly auto insurance, averaging around $100, especially appealing to drivers with speeding tickets.

Provider Average Monthly Cost Average Annual Cost
Farmers $194 $2,326
State Farm $100 $1,198
Progressive $110 $1,318
Allstate $210 $2,518
GEICO $160 $1,918

Cheapest Car Insurance In Wyoming After An At-Fault Accident

Priced at around $120, State Farm’s insurance is the preferred selection for drivers who’ve had accidents they’re at fault for. It’s the most budget-friendly solution for them.

Provider Average Monthly Cost Average Annual Cost
Allstate $242 $2,902
Farmers $204 $2,446
State Farm $120 $1,438
GEICO $125 $1,498
Progressive $252 $3,022

Cheapest Car Insurance In Wyoming For Drivers After A DUI

State Farm’s car insurance averages around $204, making it the most affordable for drivers dealing with a DUI on their record.

Provider Average Monthly Cost Average Annual Cost
Erie $150 $1,798
Progressive $180 $2,158
GEICO $200 $2,398
Allstate $220 $2,638
State Farm $204 $2,446

Cheapest Car Insurance In Wyoming For Drivers With Poor Credit

Those in Wyoming grappling with poor credit can find affordable insurance rates with Farmers, starting from about $82 per month.

Provider Average Monthly Cost Average Annual Cost

Farmers

$45

$538

GEICO

$30

$358

Allstate

$60

$718

Progressive

$54

$646

State Farm

$34

$406

Your car insurance costs are significantly influenced by your credit score, which helps insurers assess your risk level. A lower credit score suggests a higher likelihood of filing claims, making you a riskier customer to insure.

In Wyoming, drivers with poor credit may encounter higher insurance premiums compared to those with good credit. Insurers often consider credit history when determining rates due to research indicating a connection between credit score and claim probability. People with poor credit may struggle to find affordable insurance options but can explore discounts and compare quotes from different insurers to secure better rates.

Cheapest Car Insurance In Wyoming For Good Drivers

Your car insurance costs in Wyoming are determined by several factors including your driving record, age, and desired coverage. Generally, if you maintain a clean driving record free of accidents, you can expect lower premiums as insurers perceive you as a lower risk.

Moreover, if you’ve consistently upheld a good driving history, you may be eligible for further discounts. It’s prudent for safe drivers to shop around and compare quotes from different insurance providers to find the most appropriate coverage at the most competitive price.

Provider Average Monthly Cost Average Annual Cost

State Farm

$45

$538

Erie

$30

$358

GEICO

$60

$718

Progressive

$54

$646

Allstate

$90

$1,078

 

Cheapest Car Insurance In Wyoming For Seniors

State Farm introduces accessible insurance solutions aimed at older residents of Wyoming, with an average starting price of about $52 per month.

Provider Average Monthly Cost Average Annual Cost

Progressive

$122

$1,462

Allstate

$75

$898

Farmers

$79

$946

GEICO

$100

$1,198

State Farm

$52

$622

Senior citizens may qualify for lower car insurance rates because they’re generally considered experienced and cautious drivers, reducing the likelihood of accidents. Additionally, since many seniors drive less, their risk of accidents and insurance claims decreases.

Some insurance providers offer specific discounts for senior drivers, taking into account variables such as age, driving frequency, and participation in safety programs for older individuals. Many insurers incentivize seniors to enroll in defensive driving courses by offering discounts after course completion, with the goal of enhancing driving abilities and fostering safer driving practices among older adults.

Cheapest Car Insurance In Wyoming For Young Drivers

Car insurance is generally cheaper for young adults than for teenagers in Wyoming. This is because as individuals age, they usually drive more cautiously, resulting in fewer accidents and insurance claims. Insurance companies factor this in and provide lower premiums to young adults who exhibit safe driving practices.

Cheapest Wyoming Car Insurance For 16-Year-Olds

Looking for insurance at 16? Farmers got you covered at around $238 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $315 $3,778
American National $325 $3,898
Geico $444 $5,326
Farmers $238 $2,854
USAA $262 $3,142

Cheapest Wyoming Car Insurance For 17-Year-Olds

At around $176 on average, American National offers the most attractive insurance rates for 17-year-olds.

Provider Average Monthly Cost Average Annual Cost
American National $176 $2,110
Geico $444 $5,328
State Farm $262 $3,142
Farmers $226 $2,710
USAA $232 $2,782

Cheapest Wyoming Car Insurance For 18-Year-Olds

American National provides insurance coverage customized for 18-year-olds, typically priced at $180 per month.

Provider Average Monthly Cost Average Annual Cost
USAA $212 $2,542
GEICO $430 $5,158
Farmers $232 $2,782
American National $180 $2,158
State Farm $270 $3,238

Cheapest Wyoming Car Insurance For 21-Year-Olds

American National stands out for offering the lowest rates to 21-year-olds, with a typical monthly expense of $100.

Provider Average Monthly Cost Average Annual Cost
USAA $112 $1,342
Farmers $200 $2,398
Erie $154 $1,846
American National $100 $1,198
State Farm $180 $2,158

Cheapest Car Insurance In Wyoming For Full Coverage

State Farm supplies the most economical options for comprehensive car insurance in Wyoming , commencing at approximately $50 monthly on average.

Provider Average Monthly Cost Average Annual Cost

Progressive

$114

$1,366

GEICO

$87

$1,042

Allstate

$90

$1,078

State Farm

$50

$598

Farmers

$72

$862

Comprehensive auto insurance in Wyoming provides extensive protection for drivers and their vehicles. Along with mandatory liability coverage, it includes collision and comprehensive insurance.

Collision coverage takes care of repair expenses for your vehicle after an accident, no matter the fault. Meanwhile, comprehensive coverage addresses damages from theft, vandalism, fire, or natural disasters. This insurance option offers reassurance by providing broad financial protection in various scenarios, covering both your vehicle and others involved in an accident. It’s important to thoroughly examine your policy to understand coverage limits and deductibles for sufficient protection.

Cheapest Car Insurance In Wyoming For Minimum Coverage

GEICO stands out as the most economical option for car insurance in Wyoming , with typical starting monthly rates hovering around $30, making it a desirable choice for numerous drivers.

Provider Average Monthly Cost Average Annual Cost

Farmers

$45

$538

GEICO

$30

$358

Allstate

$60

$718

Progressive

$54

$646

State Farm

$34

$406

In Wyoming, drivers are mandated to have a specific level of car insurance to legally operate their vehicles. This basic coverage typically involves liability insurance, which consists of two main parts: bodily injury liability and property damage liability.

Bodily injury liability coverage assists in paying for medical expenses, rehabilitation costs, and potential legal fees if you cause an accident that injures someone else. Property damage liability coverage, on the contrary, helps with the costs of repairing or replacing another person’s vehicle or property if the accident is your fault.

The minimum coverage requirements in Wyoming are established by state law and can vary based on factors such as your vehicle type and driving record. It’s crucial to carefully review these requirements and ensure you have adequate coverage to meet legal standards and protect yourself financially in case of an accident.

 

Average Cost Of Auto Insurance In Wyoming – By Age

Age Average Monthly Cost Average Annual Cost
16 $534 $6,406
17 $440 $5,278
18 $402 $4,822
19 $302 $3,622
21 $245 $2,938
25 $172 $2,062
30 $158 $1,894
40 $155 $1,858
50 $145 $1,738
55 $140 $1,678
65 $145 $1,738
75 $170 $2,038

Average Cost Of Car Insurance In Wyoming – By Gender & Marital Status

Gender Marital Status Average Annual Cost
Female Single $1,890
Male Single $1,918
Female Married $1,598
Male Married $1,630

Average Cost Of Auto Insurance In Wyoming – By Credit Tier

Credit Tier Average Monthly Cost Average Annual Cost
Excellent $140 $1,678
Good $155 $1,858
Poor $170 $2,038

Cheapest Car Insurance In Wyoming By City

City Average Monthly Cost Average Annual Cost
Buffalo $162 $1,942
Worland $164 $1,966
Cheyenne $166 $1,990
Wheatland $169 $2,026
Green River $165 $1,978

Minimum Car Insurance Requirements In Wyoming

Driving legally in Wyoming requires specific car insurance. It covers injuries and property damage in accidents. The standard is $25,000 for each person’s injury, $50,000 total for injuries in one accident, and $20,000 for property damage in one accident.

Wyoming also requires Personal Injury Protection (PIP). This helps with medical bills and lost wages after an accident, regardless of fault. It’s a financial safety net.

Alternatively, you can choose “Health Insurance Primary” (HIP). This means your health insurance pays for accident-related medical costs first, instead of PIP. But not all health plans qualify for HIP, so check with your provider.

Car Insurance Discounts In Wyoming

When you’re in the market for car insurance, it’s smart to look for companies that offer customized discounts based on your individual circumstances. Chatting with your insurance agent can reveal potential discounts you might not be aware of. Most major car insurance providers typically offer these types of discounts:

  • Safe Driver Discount: If your driving history is clean with no accidents or traffic violations, you may qualify for this discount.
  • Multi-Vehicle Discount: Insuring multiple cars under one policy often comes with a discount, which can be cheaper than insuring each car separately.
  • Bundle Discount: Many companies offer discounts to customers who bundle their car insurance with other policies like home or renters insurance.
  • Good Student Discount: Students who maintain good grades may qualify for discounts on their car insurance premiums.
  • Defensive Driving Course Discount: Completing a defensive driving course can make drivers eligible for discounts on their insurance premiums. These courses teach skills that help drivers avoid accidents and reduce risks on the road.
 

Our Methodology

During my investigation, I collected and examined information regarding different auto insurance companies and their offerings in a methodical manner. Initially, I pinpointed key factors for evaluation, such as coverage types, pricing specifics, customer satisfaction levels, and the financial reliability of insurers. Subsequently, I gathered data from reliable sources such as insurance company websites, consumer review platforms, and industry analyses.

After compiling the data, I organized it and assessed each insurance provider according to defined criteria, comparing coverage choices, pricing structures, available discounts, and customer feedback to understand the strengths and weaknesses of each company.

164

Quotes Analyzed

15+

Years Of Industry Experience

52

Brands Reviewed

35+

Research Hours

FAQs

How much is car insurance a month in Wyoming?

Your monthly car insurance bill in Wyoming might fluctuate based on things like your age, driving history, and the types of coverage you select.

What is the minimum car insurance one must have in Wyoming?

Every car insurance plan in Wyoming must come with liability coverage for bodily injury and property damage, as well as mandatory Personal Injury Protection (PIP) coverage.

Which insurance is better in Wyoming?

Choosing the top insurance provider in Wyoming is influenced by individual tastes, driving habits, and insurance requirements. It’s wise to obtain quotes from multiple insurers to identify the perfect match for your specific situation.

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