Updated: May 20, 2024
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Car insurance companies classify drivers with a poor driving history as "high risk." MoneyGeek suggests comparing quotes from several insurance providers to find the best deal for your needs.
In Wyoming, State Farm offers affordability, customer satisfaction, stability and positive claims ratings. The insurer also offers cheap car insurance for bad drivers.
The yearly average State Farm car insurance cost in Wyoming is $812. This is subject to change depending on your situation.
Best & CheapestAuto InsuranceHigh-RiskBest Companies for High-Risk Drivers in 2023
High-risk drivers are likelier to file for claims than other policyholders. You may be a high-risk driver if you've had at-fault accidents, DUIs or many tickets and violations.
But there's another kind of high-risk driver: teenage drivers. They're considered high-risk due to their inexperience on the road.
Car insurance providers charge high-risk drivers more to balance their potential claims expenses. Wyomingites pay 29% more for car insurance if considered high-risk.
A high-risk driver generally has some severe violations in their driving history. But not everything that makes you risky is a driving infraction.
Some reasons you may be high risk include:
MoneyGeek found the cheapest insurance for high-risk drivers in Wyoming is State Farm. Their average annual premium is $812.
| State Farm | Annual Premium$812 |
| Allstate | Annual Premium$1,012 |
| Farmers | Annual Premium$1,455 |
| GEICO | Annual Premium$1,652 |
Drivers who have driven without a license or committed other serious infractions need SR-22 insurance. Insurers file this form to prove you've met your state's minimum requirements.
The most affordable SR-22 provider in Wyoming is State Farm, with an average annual rate of $272.
MoneyGeek reviewed the best car insurance companies for high-risk drivers in Wyoming. It found State Farm is the best insurance provider, scoring 91 out of 100.
The next best auto insurance provider in Wyoming for high-risk drivers is Allstate. It earned a MoneyGeek score of 79 out of 100. Though it beat State Farm in stability, Allstate costs more than State Farm, with an annual average of $1,012.
This insurer offers coverage for high-risk drivers in Wyoming at an average of $812 per year. This is 11% more than the rates for drivers with clean records.
It's available in all 50 states and Washington, D.C., with affordable rates for most drivers. State Farm offers rideshare insurance, rental and travel reimbursement and roadside assistance.
Plus, it gives a student discount and a defensive driving discount.
Allstate offers coverage with an average annual premium of $1,012. This is 18% more than the rate for drivers with clean records.
It offers roadside assistance, new car replacement, accident forgiveness, gap insurance and more. It also has distance students, good grades, full payments and anti-lock brake discounts.
If you don't have a large income and need solid car insurance that won't break the bank, you aren't alone. There's low-income car insurance in Wyoming. Comparing insurance rates and other factors between those options can help you find the right one for you.
Further, check out minimum coverage or pay-per-mile insurance if you don't travel often.
If you have a DUI, you're considered high risk until the end of your look-back period. For this, State Farm still provides the best insurance.
The exception is for active and former military members in Wyoming. If this reflects your background, USAA is likely your best option.
| State Farm | Annual Premium$790 |
| Allstate | Annual Premium$1,018 |
| GEICO | Annual Premium$2,098 |
| Farmers | Annual Premium$2,193 |
A look-back period is how long a DUI stays on your record. The look-back period varies depending on your state. For Wyoming, it's ten years. DUI convictions within this timeframe can be counted against your insurance riskiness.
MoneyGeek found State Farm offers the cheapest high-risk auto insurance for teenage drivers in Wyoming. State Farm offers car insurance policies for these young drivers at an annual average of $2,778.
Remember: your rate varies on your age and preferences. Learn more about this insurance company through our State Farm review.
| State Farm | Annual Premium$2,778 |
| GEICO | Annual Premium$3,878 |
| Allstate | Annual Premium$4,165 |
Car insurance for teens is generally expensive. But, MoneyGeek advises choosing full coverage for them. The added coverage protects them from unwanted accidents and will give you peace of mind.
You should browse different insurers and compare quotes to know the best cheap car insurance for teens and student drivers.
MoneyGeek found Farmers is generally the cheapest option when looking for auto insurance with bad credit. Its annual average premium costs $1,114 — 21% more than the average for drivers with good credit.
| Farmers | Annual Premium1,114 | Percent Change21% |
Don't worry if you have bad credit. Getting car insurance is still possible. Find the best cheap car insurance with bad credit to see which provider suits you.
Different insurance providers consider various factors when evaluating applications. These include driving records, history and profile, among others. High-risk car insurance quotes are often high, particularly due to claims frequency.
In Wyoming, a high-risk driver pays a yearly average premium of $812. Meanwhile, drivers with clean records pay an annual average premium of $726.
Low-Risk Driver
$726High-Risk Driver
$812This is 12% more expensive.
MoneyGeek's Wyoming auto insurance calculator estimates how much a policy could cost you. It factors in your coverage level, driving history, profile and vehicle may cost.
MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Jul 26, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Technically, getting car insurance is a voluntary act. Insurance providers may reject your application if you're too risky to insure. If this happens, your best option may be to find a residual market plan through the Automobile Insurance Plan Service Office (AIPSO).
For decades, this national nonprofit has helped high-risk drivers get insurance.
AIPSO is a database with information to help drivers find a suitable residual market plan based on their state.
In Wyoming, the residual market plan is the Wyoming Automobile Insurance Plan (WAIP). It offers auto insurance to high-risk drivers who were denied by the voluntary market.
Qualified Wyoming Automobile Insurance Plans are offered by accredited insurance providers in Wyoming. The state is also part of the Western Association of Automobile Insurance Plans (WAAIP).
Office Hours
Monday–Friday, 8 a.m.–4:30 p.m. PT
waaip@aipso.com
Phone
(800) 227-4659
Fax
(800) 827-6260
Mailing Address
Western Association of Automobile Insurance Plans, P.O. Box 6530, Providence, RI 02940-6530
Finding high-risk auto insurance may seem daunting. MoneyGeek wants to help you know which insurer suits you best and find the right coverage for you. Here are the most commonly asked questions about car insurance for high-risk drivers.
The best high-risk auto insurance for high-risk drivers in Wyoming is State Farm.
MoneyGeek found the average rates for different types of high-risk drivers in Wyoming:
High-risk drivers have a history of driving violations. THese can include at-fault accidents, DUIs, drag racing and more. You're also considered a high-risk driver if you're a teen driver.
If insurers in Wyoming won't cover you, you may get insurance through the residual market plan. Contact the Wyoming Automobile Insurance Plan (WAIP) at (800) 227-4659 or by emailing waaip@aipso.com for more information.
Their office hours are Monday through Friday, 8 a.m. to 4:30 p.m. PT.
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.
To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.
About Mark Fitzpatrick
Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
