Since Wyoming is the least populated state, you’ll be able to get from place to place pretty quickly. With so few cars on the road, accidents are not as common as in other states. With everything so spread out in Wyoming, you need a vehicle to get around with car insurance. Fortunately, Wyoming is one of the best states for affordable car insurance quotes. However, you will still need to research to find cheap car insurance in Wyoming.
Wyoming Car Insurance Facts
- Wyoming has a minimum coverage requirement known as the 25/50/20 rule.
- In Wyoming, close to 5.9% of drivers don’t have auto insurance.
- Wyoming has 424,000 licensed drivers, fewer than any other state.
Minimum Wyoming Cheap Auto Insurance Coverage
Wyoming drivers must carry at least the minimum liability auto insurance to cover bodily injury and property damage in the event of a crash. This includes the following auto insurance coverages:
Property damage: $20,000 per accident
Bodily injury/death: $25,000 per person, $50,000 per accident
Cheap Car Insurance Quotes In Wyoming
Getting cheap car insurance in Wyoming is not difficult. Here are some tips:
- Compare inexpensive car insurance quotes. You can’t assume that one company will always have the cheapest auto insurance quotes, even though that’s what they may advertise.
- Consider local insurance companies. Small, regional insurance companies may provide better customer service, and they may be cheaper than certain large providers. Even though they may not be as well known.
- Bundle auto insurance. Use the same company for all insurance policies. Bundling these policies will save money.
Wyoming Inexpensive Auto Insurance Discounts
While Wyoming car insurance may already be cheap insurance, you can always save more money. Here are some tips for inexpensive auto insurance quotes:
Good Driver: Drivers with a clean driving history and no claims may be able to save around 20%.
Good Student: Young drivers who attend school and get good grades (at least a B average) qualify for an insurance discount.
Online Billing: It’s easier for insurance companies to send online bills rather than mailing. Ask if your auto insurance company offers a discount for this.
Safety Features: You can save up to 30% if the vehicle is equipped with safety features such as airbags and anti-theft devices.
Wyoming Auto Insurance Frequently Asked Questions
What is the penalty for driving without auto insurance in Wyoming?
If you drive without insurance in Wyoming, you could face a fine of up to $750 as well as six months in jail.
What is driving like in Wyoming?
Wyoming is known for its rural country, but that means that the roads can be dangerous. US Route 191, US Highway 14A, and Teton Pass tend to feature icy, snowy roads. There is also a lot of wildlife lurking on these roads. In addition, many motorists in Wyoming drive while intoxicated, so you need to be alert at all times.
If you would like more information, visit the Wyoming Department of Motor Vehicles.
How can I get inexpensive auto insurance quotes in Wyoming?
Get inexpensive auto insurance quotes in Wyoming by following these tips.
- Improve your credit score, as insurers connect creditworthiness with responsibility.
- Increase your deductible (the upfront amount you pay for a claim), and your premium should decrease.
- Collision and comprehensive coverages may not be necessary for an older car.
- Some of the best car insurance companies will also offer an additional discount if you have completed an accredited defensive driving course.
Other Additional Types of Car insurance Coverages
Along with minimum coverage or full coverage automobile insurance, you can add additional car insurance coverages:
Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)
Physical Damage Coverage
How Your Driving Behavior Affects Car Insurance in Wyoming
In Wyoming, your driving habits and history can play a role in determining your car insurance quotes. While the state’s rural roads and open highways may make it easier to drive without heavy traffic, there are still factors to consider when it comes to your driving behavior:
Safe Driving and Insurance Discounts:
- Good Driver Discount: If you maintain a clean driving record with no accidents or traffic violations, you could qualify for a “good driver” discount, reducing your premium by up to 20%. Insurers appreciate drivers who are less likely to file claims due to risky behavior on the road.
- Defensive Driving Courses: As mentioned earlier, completing a defensive driving course can help lower your insurance premiums. Many insurers in Wyoming offer discounts to drivers who complete these courses, which teach techniques for avoiding accidents and improving overall road safety.
Speeding and Traffic Violations:
- Higher Risk, Higher Rates: Speeding, running red lights, or other violations not only put you at risk of accidents but also can raise your car insurance rates. If you have a history of traffic violations, expect to pay higher rates as insurers view you as a higher-risk driver.
- Points on Your License: Accumulating points on your driver’s license due to violations can also lead to an increase in your car insurance quotes. However, completing a defensive driving course or maintaining a clean record after a violation can help bring your premiums down over time.
By practicing safe driving and taking courses to improve your skills, you can maintain lower premiums and keep your driving record clean in Wyoming.
The Benefits of Adding Extra Coverage in Wyoming’s Harsh Weather
Wyoming’s extreme weather conditions can lead to significant risks for drivers. Adding extra coverage to your car insurance can help protect you from these risks and reduce the financial burden of weather-related damages. Here’s why extra coverage is important:
- Protection Against Snowstorms and Ice: Snowstorms and icy roads are common in Wyoming. Comprehensive and collision coverage protect you from damage caused by winter conditions, such as slipping on ice or snow accumulation.
- Hail Damage Coverage: Hailstorms, especially in the spring and summer, can cause severe vehicle damage. Comprehensive coverage helps pay for repairs if your car is damaged by hail.
- Wildfire Protection: Wildfires can damage or destroy vehicles, particularly in rural areas. Comprehensive insurance provides coverage for fire-related damages, helping with repair or replacement costs.
- Flood Damage Coverage: Heavy rains and snowmelt can cause flooding, leading to water damage. Flood protection under comprehensive coverage ensures your car is protected from water-related damage.
- Peace of Mind: Having extra coverage reduces stress during extreme weather events. It ensures you’re financially protected, allowing you to focus on safety rather than worry about your vehicle.
- Lower Out-of-Pocket Costs: Weather-related damages can be costly to repair. Extra coverage helps reduce your out-of-pocket expenses for things like hail damage, snow removal, or flood repairs.
