Cheapest car insurance for high-risk drivers in Wyoming

Which company has the cheapest car insurance in Wyoming for a bad driving record?

American National, State Farm and Farmers offer some of the cheapest rates for drivers with poor driving records in Wyoming. Among them, American National has the lowest average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $1,329 annually.

If you have accidents, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.

Company	Average annual premium for clean record	Annual premium for high-risk driver
American National	$827	$1,329
State Farm	$1,521	$1,790
Farmers	$1,623	$2,809
Allstate	$2,831	$3,499
GEICO	$2,514	$4,979
USAA	$1,230	$1,988

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How much is high-risk car insurance in Wyoming?

The average cost of high-risk car insurance in Wyoming is $2,795 per year. Depending on your driving history and insurer, you may be able to find rates as low as $1,329 annually.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets, or one in a school zone, will increase your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

Average annual car insurance rate for At-fault bodily injury accident in Wyoming, WY is $2,454

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Company	Annual premium for clean record	Annual premium after violation
American National	$827	$1,384
USAA	$1,230	$1,555
State Farm	$1,521	$1,765
Farmers	$1,623	$2,285
GEICO	$2,514	$3,778
Allstate	$2,831	$3,870

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Average annual rate

People ask

Who is considered a high-risk driver in Wyoming?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

What company offers the cheapest car insurance in Wyoming after a DUI?

American National has the cheapest average DUI insurance rates in Wyoming at $1,565 annually.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade, in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in Wyoming.

Company	Average annual premium for clean record	Annual premium for a DUI
American National	$827	$1,565
State Farm	$1,521	$1,642
Allstate	$2,831	$3,495
Farmers	$1,623	$3,620
GEICO	$2,514	$6,449
USAA	$1,230	$2,228

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What is the cheapest car insurance in Wyoming with multiple tickets?

American National has the cheapest average rates for drivers with multiple tickets at $1,193 annually or $99 monthly.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

This table shows drivers in Wyoming how much having multiple tickets can raise their insurance premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
American National	$827	$1,193
State Farm	$1,521	$1,642
Farmers	$1,623	$2,288
Allstate	$2,831	$3,229
GEICO	$2,514	$4,992
USAA	$1,230	$1,394

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Expert's Insight Two minor tickets can sometimes cost you more on insurance than one major violation.

Which company offers the cheapest insurance for reckless driving in Wyoming?

State Farm provides the cheapest average reckless driving insurance rates in Wyoming at $1,642 per year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
State Farm	$1,521	$1,642
American National	$827	$1,648
Allstate	$2,831	$3,495
Farmers	$1,623	$3,620
GEICO	$2,514	$4,992
USAA	$1,230	$1,840

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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Wyoming?

American National offers the lowest average car insurance rates in Wyoming for drivers with bad credit, at $1,177 per year or $98 per month. Even with bad credit, drivers can still find affordable auto insurance coverage.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer’s perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.

Check the table below to see how your credit score affects Wyoming car insurance.

Company	Annual premium for good credit	Annual premium for bad credit
American National	$827	$1,177
State Farm	$1,521	$2,522
Farmers	$1,623	$2,746
GEICO	$2,514	$3,457
Allstate	$2,831	$4,318
USAA	$1,230	$3,677

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What company has the cheapest car insurance in Wyoming after an accident?

American National offers the cheapest average post-accident rates in Wyoming at $1,384 annually. State Farm also provides relatively affordable rates at $1,765 per year.

Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
American National	$827	$1,384	$1,565
State Farm	$1,521	$1,765	$1,765
Farmers	$1,623	$2,285	$3,478
GEICO	$2,514	$3,778	$4,992
Allstate	$2,831	$3,870	$4,733
USAA	$1,230	$1,555	$1,988

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city has the cheapest car insurance for high-risk drivers in Wyoming?

Cheyenne has the cheapest average high-risk car insurance rates in Wyoming at $2,679 per year. In comparison, drivers in Afton pay the highest average rates at $2,831 annually.

Where you live in Wyoming also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.

City	Average annual premium for clean record	Annual premium for high-risk driver
Cheyenne	$1,676	$2,679
Casper	$1,724	$2,710
Rock Springs	$1,766	$2,777
Guernsey	$1,755	$2,798
Cody	$1,758	$2,801
Powell	$1,758	$2,801
Riverton	$1,762	$2,802
Laramie	$1,765	$2,812
Afton	$1,769	$2,831

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How can high-risk drivers lower their car insurance rates in Wyoming?

High-risk drivers in Wyoming can find lower rates by shopping around, avoiding further violations and taking a defensive driving course. Ways to lower car insurance rates include:

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

People ask

How long are you considered a high-risk driver in Wyoming?

Three years is common, but how long you are considered a high-risk driver in Wyomingdepends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

What are Wyoming's insurance requirements for high-risk drivers?

If you're a high-risk driver in Wyoming, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.

An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Wyoming

Can high-risk drivers get full coverage car insurance in Wyoming?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Wyoming?

An SR-22 doesn't increase your rates, but the violation that resulted in the requirement will; as a result, having an SR-22 means higher rates. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.