Casper, WY Auto Insurance Costs
How Much Does Auto Insurance Cost in Casper, WY?…
How Much Does Car Insurance Cost on Average in Wyoming?
- State minimum liability on average in Wyoming costs $44 a month or $524 a year. Full coverage auto policies costs around $260 a month or $3,117 a year in WY.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Wyoming – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Which Auto Insurance Company is the Cheapest in Wyoming?
- In Wyoming the cheapest car insurance companies on average are State Farm, GEICO and Mid Century. State minimum liability car insurance starts at $29 a month or $352 a year with State Farm. The cheapest full coverage car insurance starts at $198 a month or $2,373 a year with Mid Century Insurance.
Here are the average policy rates from the cheapest local and national insurance providers in Wyoming from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum Liability: | SM Monthly: | Full Coverage: | FC Monthly: |
|---|---|---|---|---|
| State Farm | $352 | $29 | $2,575 | $215 |
| GEICO | $355 | $30 | $4,142 | $345 |
| Mid Century | $493 | $41 | $2,373 | $198 |
| Allstate | $663 | $55 | $3,706 | $309 |
Average Cost for WY Car Insurance for Popular Cities
Compare the average cost for an auto insurance policy in popular Wyoming cities below for state minimum and full coverage policies.
| Wyoming City: | State Minimum: | SM Monthly: | Full Coverage: | FC Monthly: |
|---|---|---|---|---|
| Casper | $559 | $47 | $3,138 | $261 |
| Cheyenne | $524 | $44 | $3,117 | $260 |
| Gillette | $489 | $41 | $3,263 | $272 |
Cheyenne, WY Auto Insurance Costs
How Much Does Auto Insurance Cost in Cheyenne, WY?…
Gillette, WY Auto Insurance Costs
How Much Does Auto Insurance Cost in Gillette, WY?…
Wyoming State Minimum Liability Coverage
Like most states, Wyoming requires certain minimum insurance coverage in order to drive any motor vehicle on public roads. While most people understand the value of collision insurance, liability can be a little more complicated. The state requires that all drivers must have the following minimum liability minimum protection levels:
- $25,000 for bodily injury to one person
- $50,000 for bodily injury to two or more persons
- $20,000 per accident for property damage
Also, in Wyoming, you don’t have to purchase car insurance if you can prove financial responsibility. You can do this purchasing a bond with a surety company.
You should understand that those minimums are for drivers with few personal assets. If you own a house or other assets worth more than those minimum amounts, the result of an accident could be devastating.
Average Cost of Car Insurance Cost in Wyoming by County
The average cost of car insurance in Wyoming varies between each driver. We provide a breakdown of the amount you can expect to pay on car insurance policy costs by county for vehicle types below for a minimum state policy of the average driver:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Albany | $1,017 | $776 | $1,094 | $851 | $1,040 |
| Big Horn | $1,017 | $776 | $1,134 | $851 | $1,040 |
| Campbell | $1,017 | $732 | $1,129 | $804 | $1,038 |
| Carbon | $1,017 | $732 | $1,094 | $804 | $1,038 |
| Converse | $1,017 | $732 | $1,129 | $804 | $1,038 |
| Crook | $1,017 | $776 | $1,134 | $851 | $1,040 |
| Fremont | $1,017 | $776 | $1,134 | $851 | $1,040 |
| Goshen | $1,017 | $776 | $1,094 | $851 | $1,040 |
| Hot Springs | $1,017 | $776 | $1,134 | $851 | $1,040 |
| Johnson | $1,017 | $776 | $1,134 | $851 | $1,040 |
Wyoming Car Insurance Tips
There are other ways you can make sure you are getting the best possible insurance coverage at the lowest prices. Some companies have stricter lending requirements than others, but here are some suggestions on how to get the best auto insurance policy for your budget:
1. Find out how far back the company looks to check your driving record. Some go back three years and others as long as five. For example, if you have a DUI on your record from four years ago, you may want to get a policy with an insurer who will only check the past three years on your record.
2. Obtain a copy of your driving record and check it for errors. Errors on your record, such as the listing of a traffic ticket that you never received, can quickly drive up the cost of your car insurance.
If you don’t understand any of the legal language on your policy, contact a customer service representative at your insurance company to explain the terminology.
The Wyoming Automobile Insurance Plan
This program ensures that almost any driver can get insurance regardless of any past conviction or misdemeanors. To qualify, you must be able to show that you cannot get insurance from regular commercial auto insurance companies.
The Wyoming Automobile Insurance Plan (WAIP) is a program designed to help residents of Wyoming who have difficulty obtaining auto insurance in the voluntary market due to factors such as poor driving records or high-risk status. WAIP is essentially a last-resort option for individuals who are unable to secure coverage through traditional insurance companies.
Under the Wyoming Automobile Insurance Plan, insurance coverage is made available to eligible drivers through participating insurance companies. The plan operates by assigning these high-risk drivers to insurance companies based on a rotating basis. This ensures that all insurers in the state share the responsibility of providing coverage to high-risk drivers, rather than any single company bearing the burden.
WAIP typically offers the same types of coverage available in the standard insurance market, including liability, comprehensive, collision, uninsured/underinsured motorist, and personal injury protection (PIP) coverage. However, premiums for coverage obtained through WAIP may be higher than those available through the standard market due to the increased risk associated with the drivers covered under the plan.
To apply for coverage through the Wyoming Automobile Insurance Plan, individuals must meet certain eligibility criteria and demonstrate that they have been unsuccessful in obtaining insurance through regular channels. Applications for coverage can be made through participating insurance agents or directly to the WAIP administrator.
Overall, WAIP serves as a safety net for Wyoming residents who face challenges in obtaining auto insurance and ensures that all drivers have access to the coverage they need to comply with state laws and protect themselves financially in the event of an accident.
Moving to Wyoming: Important Information
If you have just moved to Wyoming, there are a few things you need to do right away, as required by the Wyoming Department of Transportation.
1. Wyoming is a member of the Driver’s License Compact (DLC), which allows you to keep your out-of-state driver’s license for up to a year. However, you should ensure you apply for your Wyoming driver’s license at least two months before the end of the year.
2. Under some circumstances, you may need to take a road test. If so, simply pick up a Wyoming driver’s license manual from any local exam office or online.
3. Register your vehicle at the county treasurer’s office and transfer the title from your previous state. Registration laws also apply to boats and motor homes.
4. Notify your existing auto insurance company that you have moved to Wyoming. Be warned – not all insurers serve every U.S. state so you may end up having to look for a different auto insurer if your current company doesn’t operate in Wyoming.
Wyoming DUI & DWI Car Insurance Penalties
The state closely regulates drunken driving. The state may consider you impaired with as little as a 0.05 percent blood alcohol level. Many other states say you’re impaired with a 0.08 percent blood alcohol level.
The increase in car insurance rates after a DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) conviction in Wyoming can vary based on several factors, including the driver’s insurance provider, their driving history, the severity of the offense, and any mitigating circumstances. However, it’s common for insurance premiums to significantly increase following a DUI or DWI conviction.
On average, a DUI or DWI conviction can lead to a doubling or even tripling of insurance premiums. In Wyoming, this increase can translate to hundreds or even thousands of dollars added to the annual cost of car insurance.
In addition to higher premiums, individuals with a DUI or DWI conviction may also face other consequences, such as being required to obtain SR-22 insurance, which is a form of high-risk insurance often mandated for drivers with serious violations.
It’s crucial for individuals with a DUI or DWI conviction to discuss their specific situation with their insurance provider to understand the full extent of the impact on their rates and coverage. Additionally, seeking out quotes from multiple insurance companies may help in finding the most affordable coverage options despite the increased rates associated with a DUI or DWI conviction.
