Wyoming Car Insurance

Your 2017 Guide to Buying Car Insurance in Wyoming

If you live in The Cowboy State, you may find yourself driving in its world-famous national parks with millions of tourists, or to the many outdoor recreation areas. To find the best auto insurance for your needs and budget, it’s a good idea to compare several quotes and make sure the policy you choose is tailored to you.

An independent agent in the Trusted Choice® network can help you compare Wyoming auto insurance quotes from multiple insurers. Your local agent can also answer your questions, advise you on coverage amounts, and help with claims. Contact an independent agent today to get started finding the right policy for your needs.

Wyoming Car Insurance Costs

  • National average cost per year: $1,474
  • Wyoming average cost per year: $1,541
  • 21st most expensive premiums in the US

The most recent information available as of 2017 shows that Wyoming average premium costs are $1,541, which is very close to the national average. This figure gives you a general idea of what you might pay for your car insurance, but you can look for the best rates and ask about available discounts when you talk with your agent. You may be able to get more savings by combining policies under one insurer, for example. You may also qualify for a discount if you have an excellent driving record.

To know exactly how much you’re going to be paying for car insurance in Wyoming, you need to collect quotes from reputable insurance companies. Your independent agent can make this process quick and easy by providing several competitive quotes that can meet your needs and budget.

Wyoming Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 25/50/20
    • Coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual, and $20,000 coverage for property damage.
    • In addition, Wyoming policy holders must carry at least $1,000 for medical payments

Wyoming state law requires motorists to purchase a minimum liability insurance policy. If you are caught driving without insurance, you could face fines and jail time. These liability requirements not only protect you, the driver, but having the right insurance in place can also protect your passengers and other motorists around you. While insurance cannot prevent an accident, it provides critical financial compensation to help recover from injuries and property damage.

Wyoming Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Wyoming uninsured motorists: 8.7%
  • Wyoming average vehicle repair cost: $3,302

The percentage of Wyoming drivers without the required policy is lower than the national average. The state does not require drivers to purchase uninsured motorist coverage, but that does not relieve uninsured motorists of their responsibility for damages. Your agent may advise you to get that coverage, as it allows accident victims to collect damages from their own insurer if the driver at fault is not properly covered.  

Thefts in Wyoming

  • National car theft rate (per 1,000 registered vehicles): 2.94
  • Wyoming car theft rate (per 1,000 registered vehicles): 0.76

The car theft rate in Wyoming is considerably lower than the national average. However, you should keep in mind that car theft can happen anywhere. To prevent auto theft, secure valuables, lock your car, and pay attention to where you leave your vehicle. Comprehensive auto insurance can help you keep your vehicle investment secure, too.

Do You Need Wyoming Car Insurance?

If you need to purchase a new policy or compare rates to see if your current insurer is offering you a competitive rate, an independent agent in the Trusted Choice network can help. A local member agent can help you compare Wyoming auto insurance quotes from a variety of different insurers and purchase a policy tailored to your needs and budget. Find an agent in your area today for personal assistance.

Now, who's ready to get their insurance problems solved?