Non-owner car insurance in Wyoming: Which company has the cheapest rates?

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Non-owner car insurance in Wyoming is $216 annually, which is $164 lower than the rest of the country on average, according to Insure.com’s 2023 rate analysis.

Many companies offer these policies in Wyoming, such as Geico and Farmers Insurance.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

In addition to understanding the various requirements, it’s important to know what non-owner insurance is, which companies offer it and how much it costs in Wyoming.

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

Insurance companies consider non-owner policyholders as less of a risk due to their minimal access to a vehicle, and therefore, it’s usually less expensive to buy a non-owner insurance policy than typical car insurance.

On average in the U.S., it costs drivers with good credit scores and clean driving records $1,682 a year for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you might cause in an accident, up to $300,000 per accident, and an additional $100,000 for property damage. In Wyoming, it’s $1,659.

Non-owner auto insurance costs $216 a year in Wyoming and $380 on average in the U.S. by comparison.

There are different variables to consider when comparing rates, such as which insurer you buy from, your age and driving history and also where in Wyoming you live.

Which insurer offers the cheapest non-owner insurance rates in Wyoming?

In Wyoming, USAA’s non-owner insurance policy is the cheapest at $90 a year, on average.

At $380 a year, Farmers Insurance charges the highest rate for non-owner insurance in the state.

To find the best price, compare quotes from different insurance companies. Below is a list of the cheapest non-owner insurance available in the state.

Cheapest non-owner insurance rates in Wyoming

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Wyoming by age?

Age is also important when it comes to pricing. Statistically, young drivers are riskier because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Wyoming, a 45-year-old will pay $208 annually on average for a non-owner insurance policy versus a 16-year-old driver who will pay $535 on average.

Average non-owner car insurance rates in Wyoming by age and gender

Which Wyoming cities have the cheapest non-owner auto insurance?

There’s a great deal of variation from city to city regarding rates. Insurers base rates on variables like how common theft, collisions and vandalism are in different cities in the United States.

Below are the cheapest and most expensive cities for non-owner car insurance in Wyoming.

The 20 Wyoming cities with the lowest non-owner auto insurance rates

The 20 Wyoming cities with the highest non-owner car insurance rates

How much is non-owner car insurance in Wyoming’s 10 biggest cities?

The largest cities in Wyoming sometimes have significantly different non-owner insurance rates. The non-owner insurance cost in Casper is the most expensive at $275. Evanston has the least expensive rates among the state’s most populous cities at $196.

Non-owner auto rates in Wyoming’s 10 largest cities

How non-owner insurance rates in Wyoming compare to rates in other states

The rates for non-owner car insurance will vary between states too. The average non-owner insurance rate in Wyoming is $216, which is lower than the national average of $380. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 a year and Iowa at $193 per year.

Non-owner auto insurance rates in the 10 most populous states

How to get non-owner auto insurance in Wyoming

To get a non-owner policy, you’ll need your driver’s license number and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact a car insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

In many cases, you’ll get proof of insurance almost immediately.

For a non-owner car insurance policy quote, you must call your insurer instead of visiting their website.

“Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Below are some insurers with their phone numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033.
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.