Cheapest and Best Non-Owner Car Insurance in Wyoming (2024)

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ByMark Fitzpatrick
Edited byJonathan Ramos
ByMark Fitzpatrick
Edited byJonathan Ramos

Updated: May 20, 2024

Advertising & Editorial Disclosure

Non-owner policies are a form of liability insurance for drivers who don't own a car but need it to operate a borrowed or rented vehicle. If you frequently use a rental or borrowed vehicle and value maintaining your auto insurance coverage, this may be something to consider. In Wyoming, non-owner drivers found guilty of driving violations, such as DUIs, may need non-owner car insurance to reinstate their licenses.

According to our analysis, GEICO provides Wyoming's best and cheapest non-owner auto insurance due to its excellent customer service and financial stability. The company is also the most affordable option for drivers convicted of traffic violations.

Why Trust MoneyGeek? MoneyGeek sourced Wyoming data from Quadrant Information Services and examined customer and claim satisfaction ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

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3Providers Compared

Cheapest Non-Owner Car Insurance in Wyoming

GEICO offers the cheapest non-owner car insurance in Wyoming for drivers with clean records as well as those with a history of accidents:

  • Drivers with clean records: GEICO ($16 per month)
  • Drivers with violations: GEICO ($22 per month)

A poor driving record can lead to pricier insurance rates due to the increased risk associated with such drivers. The cheapest policy in the state for a driver with a violation costs $6 more per month than the least expensive one for a safe driver.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Wyoming

If you have a clean driving record in Virginia, the following companies provide the cheapest non-owner car insurance:

USAA carries the cheapest non-owner auto insurance in the state at an average monthly rate of $9. However, USAA only offers coverage to veterans, active duty personnel and military families.

In Wyoming, non-owner car insurance policies cost an average of $17 per month — significantly less than the national average of $43.

GEICOCheapest Annual Premium$188Cheapest Monthly Premium$16
FarmersCheapest Annual Premium$298Cheapest Monthly Premium$25
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Non-owner auto insurance must still adhere to Wyoming's minimum coverage requirements, which include the following:

  • $25,000 for bodily injury liability per person
  • $50,000 for bodily injury liability per accident
  • $20,000 for property damage liability

These are the legally mandated minimums, but they may not be sufficient for everyone. Before purchasing a policy, it makes sense to assess your coverage requirements so that you know exactly how much coverage you require.

Cheapest Non-Owner SR-22 Car Insurance in Wyoming

The following companies provide the cheapest SR-22 insurance to Wyoming non-owner drivers with violations on their records:

USAA is the state's cheapest non-owner SR-22 insurance provider, charging military-affiliated customers $12 per month.

You must submit an SR-22 form through your insurance company if you are convicted of a serious traffic offense, like a DUI or an at-fault accident. As a result, your rates might increase significantly. Wyoming's cheapest SR-22 insurance policy for non-owners is $37 less expensive than the national monthly average of $59.

GEICOCheapest Annual Premium$264Cheapest Monthly Premium$22
FarmersCheapest Annual Premium$357Cheapest Monthly Premium$30
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Although it's often referred to as "SR-22 car insurance," it does not represent a specific type of insurance policy. Instead, it's a document that insurance providers submit to the state as proof that their policyholder carries the minimum level of coverage required by law. Drivers with DUIs or at-fault accidents usually need SR-22 insurance in Wyoming.

What Is Non-Owner Car Insurance?

In Wyoming, non-owner auto insurance provides liability coverage for individuals who do not own a vehicle. In the absence of comprehensive and collision coverage, only bodily injuries and property damage caused to third parties are covered in the event of an accident.

Non-owner auto insurance may be a wise choice for those who drive rented cars, borrow vehicles or want to prevent a premium increase after a lapse in coverage. Review the table below to compare non-owner car insurance to standard full coverage policies.

Policy Coverage
Full Coverage

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

Average Cost of Non-Owner Car Insurance in Wyoming

In Wyoming, non-owner policies cost around $17 per month, which is significantly less than the national average cost of car insurance at $43 per month. Aside from your location, other factors like your age, coverage level, driving history and the make and model of your car may significantly affect how much your insurance costs.

Non-Owner Car Insurance Cost Comparison: National vs. State

National Average Cost

Monthly Premium

Wyoming Average Cost

Monthly Premium

On average, non-owner car insurance in Wyoming is:$26 saved

This is 60% less expensive.

Best Non-Owner Car Insurance in Wyoming

The overall best Wyoming non-owner auto insurance providers are:

  • GEICO: MoneyGeek score 63 out of 100 ($16 per month)
  • Farmers: MoneyGeek score 42 out of 100 ($25 per month)

MoneyGeek accounted for each insurer's costs, J.D. Power customer service data and AM Best ratings for financial stability to generate a ranking. Our company reviews might help you choose the best option for your insurance needs and preferences.

MoneyGeek Top Pick

GEICO is the best insurer in Wyoming for non-owner car insurance. The company excels in providing high-quality customer service at a reasonable price while maintaining a solid reputation for its financial stability. Notably, GEICO offers mechanical breakdown insurance, a comprehensive coverage option for vehicle repairs that is often cheaper than traditional dealer-extended warranties.

This insurer's discount offerings include those for bundling policies, insuring multiple cars and safe driving. Policyholders save more when they install an anti-theft device or anti-lock brakes. Unique discounts for military personnel, federal employees and those with factory-installed daytime running lights are also available with GEICO.

Read the full GEICO car insurance review.


Farmers is our second choice based on its below-average customer satisfaction and financial stability ratings. However, the company provides valuable coverage options such as roadside assistance, accident forgiveness, new car replacement and more.

This provider also offers exclusive discounts for nurses, teachers, senior drivers, policyholders with good payment histories and those with safety features like daytime running lights and anti-theft devices installed. In addition, employees of affinity organizations may also be eligible for special savings opportunities.

Read the full Farmers car insurance review.

Should You Get Non-Owner Car Insurance in Wyoming?

Non-owner car insurance is the way to go if you don't have a car but frequently borrow cars or just want to be insured while driving. A non-owner auto insurance policy can also help in reinstating your license after a suspension. The following types of drivers can benefit from purchasing non-owner auto insurance.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    Non-owner auto insurance is ideal for individuals who frequently drive borrowed cars from friends or family. This type of policy offers financial security in the event of an accident by providing liability coverage. It is a more affordable alternative compared to the cost of a full coverage policy.

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    Occasional renters

    Non-owner auto insurance is beneficial for those who rent vehicles on an occasional basis. If you get into an accident causing injuries or property damage, your plan will cover the associated costs.

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    Drivers between cars

    Typically, insurers increase premiums for individuals with lapses in insurance coverage. Non-owner auto insurance can be a cost-effective option for individuals who no longer own a vehicle or have no immediate plans for getting one. Having a non-owner car insurance policy can help you save money when you're ready to purchase a standard policy.

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    License reinstatement seekers

    For drivers seeking to reinstate their licenses after a suspension or revocation, non-owner auto insurance and filing an SR-22 form may be required. Providing this proof of insurance can help you regain your driving privileges.

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Be careful when dealing with companies that advertise "one-day insurance," as it is likely to be a fraudulent scheme rather than a legitimate policy. If you need coverage for a rental car, we recommend buying it from the agency you rent it from. Furthermore, there are several options for getting temporary car insurance in Wyoming.

Frequently Asked Questions About Non-Owner Car Insurance in Wyoming

To help you decide on the right coverage for your needs, we have answered some commonly asked questions about non-owner car insurance in Wyoming.

Which company offers the cheapest non-owner car insurance in Wyoming?
Which companies offer non-owner car insurance with the best mix of quality and affordability in Wyoming?
How much does non-owner car insurance cost in Wyoming?

About Mark Fitzpatrick

Mark Fitzpatrick headshot

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.