Non-owner car insurance in Wyoming: Best and cheapest companies

Which companies offer the cheapest non-owner car insurance in Wyoming?

The cheapest non-owner car insurance company in Wyoming is American National, with average annual rates of $184, followed by GEICO at $316. These insurers consistently offer the lowest liability-only premiums for drivers who don't own a vehicle.

Compare the cheapest non-owner car insurance companies in Wyoming below.

Company	Average annual premium	Average monthly premium
American National	$184	$15
GEICO	$316	$26
Farmers	$452	$38
USAA	$126	$10

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Best non-owner car insurance in Wyoming

GEICO is the best non-owner car insurance company in Wyoming based on cost, customer complaints, and financial strength ratings. Farmers is also a strong choice for drivers looking for affordable liability coverage.

To identify the best non-owner car insurance companies in Wyoming, we considered several key factors, such as the number of customer complaints, financial strength, and 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. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).

The table below provides a comparison of the top non-owner car insurance companies in Wyoming.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
GEICO	$316	631	0.60	A++	5.00
Farmers	$452	620	1.24	A	2.58
USAA	$126	729	1.16	A++	4.56

Read our methodology

Insurance.com's top choices for non-owner car insurance

Explore our top recommendations for non-owner car insurance in Wyoming.

GEICO

Our top choice for non-owner car insurance in Wyoming is GEICO, with an average rate of $316 for liability coverage. GEICO holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.60.

Farmers

Farmers is also a great choice for non-owner car insurance in Wyoming, offering coverage at an average annual rate of $452. It has earned an AM Best rating of A and maintains a low NAIC complaint ratio of 1.24.

PEOPLE ASK:

Do I need Wyoming non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

How much does non-owner car insurance cost in Wyoming?

The average cost of non-owner car insurance in Wyoming is $270 per year, but individual rates vary significantly based on factors such as driving history, ZIP code, and coverage limits

Your rate will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

Non-owner car insurance in Wyoming by age and gender

Teen drivers and younger motorists usually pay the highest premiums because insurers consider them higher risk. Rates generally decrease after age 25, remain lowest for drivers in their 50s and may increase slightly after age 65.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Even in a state that bans the use of age and gender for car insurance rates, like Wyoming, your years of driving experience will still impact what you pay.

Below are the average non-owner car insurance rates in Wyoming by age and gender.

Age group	Male	Female
Teens (16-19)	$601	$516
Young Adults (20-24)	$414	$353
Adults (25-60)	$268	$265
Seniors (65-75)	$279	$279

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Do you need non-owner car insurance in Wyoming?

You may need non-owner car insurance in Wyoming if you frequently borrow or rent cars, need to file an SR-22, or want to maintain continuous coverage. However, it's unnecessary if you already own a vehicle or only drive occasionally.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.

For example, non-owner car insurance in Wyoming doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.

Additionally, since insurance companies expect that people without a car will drive less often and because non-owner car insurance serves as secondary coverage to the vehicle owner's policy, the overall risk of 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. is much lower.

The table below shows a comparison of average yearly rates for non-owner and standard car insurance.

Non-owners state minimum liability only	$270
Traditional state minimum policy	$339
State minimum car insurance limits	25/50/20

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What does Wyoming non-owner car insurance cover?

Non-owner car insurance in Wyoming covers liability claims when you cause an accident in a borrowed or rented vehicle and other state-required coverage. Liability coverage pays for injuries and property damage caused to others.

This coverage may include:

Bodily injury liability
Property damage liability

However, it does not cover:

Damage to the car you are driving
Theft or vandalism

Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Wyoming

Drivers in Wyoming who frequently rent or borrow vehicles may benefit from non-owner car insurance. This policy provides liability protection if you cause injuries or property damage to others. However, it does not cover your injuries or damage to the car you are driving.

Non-owner car insurance in Wyoming costs an average of $270, with American National offering the lowest rates. Our analysis found that GEICO is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.

Be sure to compare your options to find the best non-owner car insurance in Wyoming. You can use the tool above to quickly and easily compare non-owner insurance providers in your area.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

FAQ: Non-owner car insurance in Wyoming

Do I need non-owner insurance to drive a friend's car in Wyoming?

No. If you have permission to drive the vehicle, the owner's insurance policy will normally cover you. However, if accident costs exceed the policy limits, non-owner insurance can provide additional liability protection.

Can I use non-owner insurance for Uber or delivery driving in Wyoming?

No. Non-owner car insurance does not cover commercial driving activities such as Uber, Lyft or food delivery services. Drivers using vehicles for rideshare or delivery work need commercial or rideshare insurance coverage that specifically includes business-related driving risks.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.