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

Cheapest non-owner car insurance companies in Wyoming

American National offers the most affordable non-owner car insurance in Wyoming, with rates averaging $145. The second cheapest Wyoming non-owner insurer is Geico. Average rates are $244.

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

Company	Average annual premium	Average monthly premium
American National	$145	$12
Geico	$244	$20
Farmers	$380	$32
USAA	$90	$8

Data updated in 2024

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Best non-owner car insurance in Wyoming

Although Geico came out on top, Farmers and are also excellent choices for providing non-owner coverage.

To find the best non-owner car insurance companies in Wyoming, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners.

The table below compares the top non-owner car insurance companies in Wyoming.

Company	Average annual premium	J.D. Power	NAIC	AM Best	Overall score
Geico	$244	797	0.91	A++	3.19
Farmers	$380	796	0.80	A	2.56

Data updated in 2024

Read our methodology

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

Take a closer look at our top picks for non-owner car insurance in Wyoming.

Geico

Geico is our top choice for non-owner car insurance in Wyoming. Its average annual non-owner car insurance cost is $244. Geico has an AM Best score of A++ and a low NAIC complaint ratio of 0.91.

Farmers

Farmers is another great option for non-owner car insurance in Wyoming, with average rates of $380 per year. It has an AM Best rating of A and a low NAIC complaint ratio of 0.8.

Our third choice is , with an average rate of . It has an NAIC complaint ratio of and an AM Best rating of .

PEOPLE ASK:

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

Probably not, unless you drive it frequently. Occasional use of a friend's car is covered by their insurance as permissive use, usually as long as it's less than 12 times a year. Still, it's always best to check with your friend's insurance company.

Average cost of non-owner car insurance in Wyoming

The average cost of non-owner car insurance in Wyoming is $215, but rates may vary based on factors such as your driving record, age, and coverage level.

Non-owner car insurance in Wyoming by age and gender

Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Wyoming.

Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.

Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.

Below are the average Wyoming rates for non-owner car insurance based on age and gender.

Age group	Female	Male
Teens (16-19)	$497	$410
Young Adults (20-24)	$342	$281
Adults (25-60)	$213	$211
Seniors (65-75)	$222	$222

Data updated in 2024

Read our methodology

Non-owner vs. traditional car insurance

Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.

For example, non-owner car insurance in Wyoming doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.

Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the 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 compares average annual rates for non-owner and owner car insurance.

Non-owners state minimum policy	$215
Traditional state minimum policy	$288
State minimum car insurance limits	25/50/20

Data updated in 2024

Read our methodology

What does Wyoming non-owner car insurance cover?

A Wyoming non-owner car insurance policy only provides the legally required coverage to be on the road. It includes all Wyoming minimum car insurance requirements. It doesn't cover any damage to the vehicle itself.

Non-owner car insurance is secondary, which means it will only apply after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Wyoming

Wyoming drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.

Non-owner car insurance in Wyoming costs an average of $215, 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.

Shop around to find the best Wyoming non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.

Methodology

Insurance.com analyzed non-owner car insurance companies in 2023 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled 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 were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.