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We’ve taken complicated car insurance information and came back with a simplified version. If you’re a Wyoming driver looking for the inside scoop, this guide is for you.
What are the state requirements?
Don’t be an outlaw. You’ll need liability and uninsured motorist coverage to be a law abiding driver in Wyoming. Here are the minimums you need to have:
- $25,000 in bodily injury liability for one person
- $50,000 in bodily injury liability for multiple people in one accident
- $20,000 in property damage liability
- $25,000 in uninsured motorist insurance per person
- $50,000 in uninsured motorist coverage per accident
What type of add-on coverage is available?
If you drive with only the minimum auto insurance coverage, you’re running the risk of having to pay out-of-pocket if you get into an accident or if something happens to your car. Consider these popular coverage options if you’d like more coverage on your insurance policy.
Collision Insurance Coverage – If you drive your car into something, this will help pay for the damage.
Comprehensive Insurance Coverage – Storms, animals, vandals, and more that can cause damage to your car won’t be a problem if you have this coverage. It’ll help pay for whatever damages happen to your car.
Towing and Labor Coverage – After an accident, you might need a tow. You won’t have to pay for it yourself if you have this kind of insurance.
Uninsured/underinsured Motorist Coverage – People drive around without insurance all the time. Tisk, tisk! If one of those uninsured or underinsured drivers hits you, you’ll have to pay for the damage because they won’t be able to. Get this coverage so that the bill is sent to your insurance company and not to your door.
Rental Car Coverage – Get a rental car paid for while yours is in the shop after an accident.
How insurance premiums are determined?
Insurance companies use a variety of variables to help them determine how risky of a driver you are for them to insure. If you’re deemed high-risk, you may pay more in annual premiums, but if you’re a low-risk driver, you’ll most likely pay less. Here are factors that will be taken into consideration:
- Driving History
- Age/Sex
- Age, Make, Model of Vehicle
- Current Driving Habits
- Credit History
- Past Claims
What Wyoming drivers pay for auto coverage?
Almost everyone pays a different price for auto insurance—it all depends on your driver profile. Our research shows that on average, Wyoming drivers can find the most affordable car insurance at the following companies:
| Average Annual Rates | |
|---|---|
| Safeco | $974.10 |
| Allstate | $1,174.00 |
| GEICO | $1,259.60 |
Auto insurance premiums are on the move as much as your car. We recommend getting quotes from at least three different companies and to check back in every year or so to see if you can get a cheaper premium.
What are the most commonly stolen cars in Wyoming?
Driving a car that’s commonly stolen is a sure way to see higher rates. Here are the top stolen cars in Wyoming so you’re aware of the risks and expenses of driving one:
- Ford Pickup (Full Size)
- Chevrolet Pickup (Full Size)
- Dodge Pickup (Full Size)
- GMC Pickup (Full Size)
- Chevrolet Pickup (Small Size)
- Chevrolet Tahoe
- Honda Accord
- Chevrolet Impala
- Chevrolet Trailblazer
- Dodge Durango
*According to www.nicb.org
Our agents are always human—never robots
Do you think a mailman would be able to give you sound advice about car insurance? Probably not. That’s because he/she isn’t the expert. Our licensed agents know their stuff when it comes to Wyoming car insurance and how to break it down for you in a way that makes sense. Think that sounds too good to be true? Call [mapi-phone /] to see how they can help you.
Wyoming Resources for Drivers