Auto Insurance in Wyoming
Wyoming’s auto insurance rates are on the low side — on average $1,442 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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Wyoming has a population of only 584,153, making it one of the least populated states in the country. It is known for its gorgeous wide open plains and the dramatic backdrop of the Rocky Mountains, as well as the famed Yellowstone National Park. Because the land stretches out so far and wide here, it seems everyone relies on cars to get around. It’s a safe place to live, but it does experience some bad thunderstorms and flooding from time to time.
Wyoming Minimum Liability
Wyoming’s minimum liabilities are pretty standard for the U.S. The state average for premiums is just a little below the national average and you’re required to have $25,000 of coverage per person and $50,000 per accident, as well as $20,000 for property damage. Insurance companies have different variables that they use to consider the rates they will offer and you want to hunt around to find the best possible option for your particular situation.
The average auto liability claim for property damage in 2013 was $3,231; the average auto liability claim for bodily injury was $15,443. What you need to take into consideration is that this is only the average cost of an accident and many accidents can run into hundreds of thousands of dollars in associated costs. You don’t want to have to bear the burden of these costs yourself, so it’s ideal to get the maximum amount of auto insurance coverage that you can afford.
Cheapest Car Insurance in Wyoming
- $1,087State Farm
- $1,046Liberty Mutual
Auto insurance can be expensive and you might be mainly interested in cutting down on costs when looking for a provider. These are some very affordable auto insurance companies in Wyoming that also provide great service and can help ensure that you keep your monthly premiums low.
At the same time, when you choose a provider with low rates, remember that there are things that you may be giving up. For instance, one important factor when dealing with an insurance company is how easy it is to file claims. Look for a company that is affordable, but also has a good track record of keeping customers happy. Other things to consider are whether it’s a local vs. a national company, which could mean the difference between getting highly personalized attention and having to deal with a bank of agents over the phone.
Most Popular Companies by Marketshare
- State Farm
- Liberty Mutual
The most popular car insurance companies in Wyoming have a great reputation for providing solid and consistent coverage. But it’s important to realize that these companies also have the biggest ad budgets, so are able to advertise a lot more than smaller companies. Just because many people haven’t heard of a particular company doesn’t mean that it doesn’t provide excellent coverage. Keep in mind that while these companies have big names, you shouldn’t rule out the smaller companies that might have even lower rates and better coverage.
These favored companies may not suit everyone, however. In some cases, these insurers are popular simply because they’re the ones drivers see advertised the most. In other cases, the company is popular, but may not necessarily the cheapest or the one with the right coverage for you. When you’re requesting an auto insurance rate quote from these companies, take the time to compare premium prices, coverage amounts, and any supplemental benefits.
Choosing the Best Car Insurance in Wyoming
It’s likely that you might end up working with your car insurance provider for the rest of your life. This means you should take many factors into account when deciding on which provider to work with. Cost is, of course, an important factor, but there are many other factors to think about when making your decision.
This list of most popular companies is a great place to start when searching for the best car insurance companies because of their strong reputations. You should consider your specific circumstances and look for companies that fit your needs as well as possible. There are not many car insurance companies to choose from in Wyoming, so make sure to talk to all of them before choosing a plan
Where is car insurance most affordable?
Even though it has a small population, Wyoming is a huge state that covers a lot of kinds of territory. Living near the mountains means that your car might get a little more wear and tear going up and down the steep roads while living out on the plains means you will probably be putting more miles on your car getting from place to place.
Cheyenne Auto Insurance
Cheyenne is the capital of Wyoming and its most populous city with around 62,000 residents. It’s home to one of the nation’s oldest Air Force Bases, as well as the Nagle Warren Mansion, and it has over fifty locations listed on the National Register of Historic Places. It doesn’t offer much in the way of public transit, however, so residents will want to be sure to check out auto insurance offerings to get their vehicles covered.
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