Cheapest car insurance for high-risk drivers in Wyoming

Cheapest car insurance in Wyoming for a bad driving record

If you have a poor driving record in Wyoming, 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.

Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.

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 high-risk for insurance 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.

Cheapest car insurance in Wyoming with a DUI

While many insurers offer coverage after a DUI, American National has the lowest rate at $1,565 a year.

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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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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Cheapest car insurance in Wyoming with a reckless driving conviction

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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Cheapest car insurance in Wyoming with bad credit

The cheapest Wyoming insurer for bad credit is American National, with rates averaging $1,177 per year or $98 per month. The good news is that drivers with bad credit can still get affordable auto insurance.

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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Cheapest car insurance after an accident in Wyoming

American National has the lowest average rates after an accident at $1,384 a year. State Farm also offers affordable rates, averaging $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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Cheapest car insurance in Wyoming by city

Cheyenne has the cheapest car insurance rates in Wyoming at $2,679 per year. But the most expensive city is Afton with rates of $2,831 per year.

Your location in Wyoming also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance 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 to reduce car insurance rates in Wyoming for a bad driving record

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.

Wyoming car insurance laws for high-risk drivers

If you're a high-risk driver in Wyoming, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies 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: