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, Farmers are the cheapest options. American National has the lowest annual rate at $1,329 per year.

Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.

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?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Wyoming, high-risk car insurance costs $2,795 per year. However, you can get rates as low as $1,329 annually from American National.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Read on as we explain high-risk car insurance factors and rates below.

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?

While many insurers offer coverage after a DUI, American National provides the average cheapest coverage for $1,565 annually.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after 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 is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,193 a year or $99 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to risky driving.

This table shows Wyoming drivers how much multiple tickets increase 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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Key insight

Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

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

State Farm has the cheapest rates for drivers with reckless driving convictions at $1,642 a 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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Key insight

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

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

The cheapest Wyoming insurer for bad credit is American National, with rates averaging $1,177 annually or $98 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.

Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file 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 statistically, drivers with a low credit score fit that description.

Check out 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 lowest rates after an accident, averaging $1,384 per year. State Farm is another budget-friendly option, with rates around $1,765 a year.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean 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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Key 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?

In Wyoming, the lowest car insurance rates are found in Cheyenne, averaging $2,679 annually. On the other hand, Afton has the highest rates at $2,831 a year.

Where you live in Wyoming matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.

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?

Finding affordable car insurance in Wyoming is possible, even with a bad driving record. 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 California depends 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.

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: