To compare Auto Insurance Companies in Wyoming to all other U.S. states, visit the link shown below.
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Or read this page to discover the lowest cost premium package on Wyoming auto insurance.
This page will help Wyoming drivers achieve the most affordable premium rates on Wyoming car insurance policies.
Yet, these tips can apply to drivers in any state.
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 such as 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 per accident, 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.
Ask every car insurance agent you speak with about their discounts.
According to a survey by J.D. Power and Associates, the favored auto insurance companies in Wyoming are
To get an idea of the practices of various auto insurance companies in Wyoming, go online and compare consumer reviews for each of the above companies.
Then, get a number of free online quotes.
Then, call at least five local carriers for more free quotes.
Above all, grab every discount you can get.
Finally, compare quotes and pick the cheapest policy you can live with.
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