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To compare Auto Insurance Companies in Wyoming to all other U.S. states, visit the link shown below.
Read on to score the lowest-cost premium package on Wyoming auto insurance, which is required by Wyoming state law.
This page will help Wyoming drivers achieve the most affordable premium rates.
Average Auto Insurance Premiums in Wyoming
The average annual car insurance premium for a vehicle owned in the state of Wyoming was about $1,421 last year, a little bit above the national average of $1,347.
Wyoming's close-to-the-national-average premiums are the result of counterbalancing factors like the state's relatively high rate of DUI deaths and hail damage, versus a very low population density.
Minimum Liability Coverage for Wyoming
The minimum liability insurance coverage required for each owned vehicle in Wyoming is 25/50/20.
This means that the car owner must buy at least $25,000 in Personal Injury Protection (also known as PIP), $50,000 in coverage against death or injury to others, and $20,000 to cover the cost of property damage.
So the maximum insurance payout on a passenger vehicle in Wyoming is $95,000, if you buy the minimum coverage.
However, analysts at the Insurance Information Institute claim that state-mandated minimums are not enough to pay for real accidents. Drivers may have to pay a fortune in out-of-pocket expenses.
That's why the Institute recommends 100/300 coverage for each owned vehicle in America. They also recommend Uninsured Motorist protection (UMI), although 90 percent of vehicles on Wyoming roads are insured.
Penalties for Driving Without Insurance in Wyoming
Uninsured driving in Wyoming is a considered a misdemeanor. The penalty is a fine between $250 and $750, and the possibility of jail time. Repeat offenders face fines from $500 to $1,500 and mandatory jail time.
Low Cost Wyoming Car Insurance
Here are some ways in which Wyoming car owners can keep car insurance costs to a minimum.
Pay your annual premium all at once, rather than monthly.
Increase your deductible amount by just a little bit.
Maintain a physical address in another city (or even another state) where car insurance is cheaper.
If possible, get a valid license, but avoid driving for three years. This will give you a perfect "driving" record, and score you many discounts when you do purchase car insurance.
Driving safely (or not at all) earns a Good Driver discount and an Accident Free discount. Academic excellence will score a Good Student discount. Seniors (55 and above) can get a discount for completing a defensive driving course. And so on. Always ask the agent about discounts.
According to a survey by J.D. Power and Associates, Wyoming's favorite car insurance carriers are Aflac, Allstate, Community First, Farm Bureau, Geico, Primerica, State Farm and Wyoming Financial.
Go online and compare consumer reviews.
Call five carriers and compare free quotes.
Above all, grab every discount you can get.
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