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

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Non-owner car insurance in Wyoming costs $216 a year, which is $137 lower than the average nationally, according to an Insure.com 2023 rate analysis.

In Wyoming, non-owner policies are available from companies such as Geico and Farmers.

“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.

Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Wyoming.

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

Insurance companies view non-owner policyholders as less risky due to their minimal access to a vehicle, and therefore, it’s usually less expensive to buy a non-owner insurance policy than full coverage auto insurance.

On average in the U.S., it costs a driver with a clean driving record and good credit score $1,682 a year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. In Wyoming, full coverage car insurance costs $1,659.

Meanwhile, non-owner car insurance is $353 a year on average in the United States and $216 in Wyoming.

But various factors affect individual rates, such as where in Wyoming you live, your age and driving history and other factors.

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.

At $380 a year, Farmers 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 an important factor when it comes to pricing. Young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. Wyoming non-owner insurance costs, on average, $535 a year for a 16-year-old, while it’s $208 for a 45-year-old driver.

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

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

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

Rates differ from ZIP code to ZIP code. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities.

The tables below display the cities in Wyoming that have the least and most expensive non-owner auto insurance rates.

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 auto insurance in Wyoming’s 10 biggest cities?

The most populous cities in Wyoming have varying non-owner insurance rates. The cost of non-owner insurance in Cheyenne is the highest at $259. Douglas has the least expensive rates of the largest cities in the state at $195.

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

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

Non-owner car insurance rates also differ from state to state. Wyoming’s average non-owner insurance rate is $216 a year, lower than the $353 national average. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 a year. Iowa is the third most affordable at $193 annually.

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

How to get non-owner car insurance in Wyoming

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

To purchase a policy, follow these steps:

1. Contact an auto 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

Often, you’ll receive proof of insurance very quickly.

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

“You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Here are a few insurers with 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.

Explore other insurance options in Wyoming

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Leslie Kasperowicz

Managing Editor

 

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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com.