Wyoming Car Insurance
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UPDATED: Jul 10, 2020
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All vehicles registered in the State of Wyoming are required to maintain liability insurance in the amount of 25/50/20. Driving with no car insurance in Wyoming will expose you to great risk of personal liability, heavy fines by law enforcement officials and possible suspension of both your vehicle registration tags and driving privileges. All vehicles must be insured in Wyoming!
Wyoming Car Insurance Laws
Car insurance may be a little mundane but it’s also one of the most important financial products you can have while operating a vehicle. The right type of car insurance coverage can provide security for almost any type of car accident while the wrong type of car insurance can mean you have very little protection. Wyoming car insurance laws only require liability auto insurance. Current laws (2010) state that all vehicles must maintain minimum liability insurance of:
- $25,000 bodily injury insurance for auto accidents with one injured person
- $50,000 total bodily injury liability insurance per accident (all injured persons)
- $20,000 in property damage liability
Minimum auto insurance coverage and rates vary from state to state. Compare state to state below:
On the surface these limits seem to be sufficient for most car accidents however do you know that liability insurance provides NO coverage for damage to your vehicle?
State laws usually only require liability insurance but never require drivers to carry coverage for their own personal property so you should always consider comprehensive, collision and other types of coverage. You should also look at expanded levels of coverage as $25,000 may very well cover the cost of any vehicular damage in most accidents it certainly may not even cover the down payment on any kind of extended hospital stay for medical injuries. Then you are also subject to loss of income, emotional distress and anything else a car accident attorney can send your way. Most Wyoming drivers opt for a well rounded policy which includes several forms of coverage and higher limits.
Your average monthly car insurance rates by coverage may be cheaper than expected for additional coverage like comprehensive. Review rates for car insurance coverage below:
Wyoming Car Insurance Rates
Wyoming car insurance rates average around 10% higher than the national average at just over $1,500 a year but there are many ways to find cheap car insurance in Wyoming.
Learn about Discounts
Car insurance companies offer a number of discounts and some vary depending on provider. Always make sure to include your existing insurance company for a homeowners or life insurance policy in the comparison search as multi-policy discounts can often save 10% or more.
Consider Different Deductibles
Sometimes increasing your policy deductible can result in substantial savings on auto insurance. While a higher deductible means more money out of pocket in the event of an accident it can also save you a lot of cash on monthly premiums so play with different policy deductibles.
How does ZIP code affect auto insurance? Factors like traffic, crime, and claim frequency in your area all matter. Find out how your ZIP code compares against other zips in Wyoming.
Which gender and age pays more for car insurance? Drivers under 25 years old are often in the highest risk class. See if the gender stereotype (males vs female auto insurance rates) holds true in WY.
Six major factors affect auto insurance rates in Wyoming. Which car insurance factors will affect your rates the most? Find out below:
Now let’s see who is the cheapest car insurance company in WY.
Who are the largest car insurance companies in Wyoming?
Always Compare Providers
The fastest way to the best car insurance rates is through car insurance comparison. Always compare auto insurers as you would a new vehicle or new TV. There are many different types of policies and many companies with different reputations when it comes to customer service and claims handling. Try to find the best combination of affordable coverage and a reliable provider for your needs
Get Started – Compare Car Insurance in Wyoming Today!