Non-Owner Car Insurance in Wyoming: The Cheapest Options and What You Need to Know

The average cost of non-owner car insurance in Wyoming is $262 per year. GEICO has the cheapest non-owner car insurance in the state at an average of $265 yearly. MoneyGeek’s guide can help you learn more about non-owner car insurance in Wyoming.

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Last Updated: 12/3/2021
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If you do not own a car but need proof of insurance to get your license reinstated or you frequently use rentals or shared vehicles, a non-owner car insurance policy is a good option for you.

In Wyoming, drivers with a clean record pay an average of $262 annually for non-owner car insurance. Those with serious violations like DUIs pay significantly higher rates at an average of $570 per year.

MoneyGeek analyzed non-owner car insurance rates in Wyoming and explained when you should and shouldn’t get this type of policy.

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Cheapest Non-Owner Car Insurance Companies in Wyoming

In Wyoming, non-owner car insurance is typically less expensive than traditional car insurance. However, you can save more on your non-owner policy by comparing quotes from different insurers.

MoneyGeek found that, on average, the cheapest non-owner car insurance company in Wyoming is GEICO at $265 annually.

For drivers with a military background, USAA is the cheapest option at an annual average cost of $90.

Farmers is the most expensive option and costs around $432 per year.

These average rates are for a 40-year-old driver with a non-owner car insurance policy in Wyoming with limits specified in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Wyoming

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $90
    $8
  • GEICO
    $265
    $22
  • Farmers
    $432
    $36
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How Much Is Non-Owner Car Insurance in Wyoming?

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On average, non-owner car insurance in Wyoming costs $262 per year. This is cheaper than traditional car insurance, which is $309 per year on average.

If you have a serious violation on your record, such as a DUI, you could pay more for coverage.

In Wyoming, non-owner insurance for drivers with a DUI costs an average of $570 per year. Traditional car insurance for drivers with a DUI costs an average of $578 annually.

Cheapest SR-22 Non-Owner Car Insurance Companies in Wyoming

Non-owner car insurance might be the most affordable option if you don’t own a car but need to file an SR-22 in Wyoming to get your license reinstated. An SR-22 is usually required if your license has been suspended following a serious violation.

If you have a DUI on record, MoneyGeek found that, on average, the cheapest non-owner SR-22 car insurance policy in Wyoming is from GEICO and costs around $598 annually.

For drivers with a military background, USAA is the cheapest option and costs an average of $172 yearly.

Farmers is the most expensive option and costs an average of $941 per year.

Cheapest SR-22 Non-Owner Car Insurance Companies in Wyoming

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $172
    $14
  • GEICO
    $598
    $50
  • Farmers
    $941
    $78
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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What Is Non-Owner Car Insurance in Wyoming?

For drivers in Wyoming who need car insurance but do not own a car, non-owner car insurance, also called non-owner liability insurance, is a great option.

This policy comes with the minimum liability coverage requirements mandated by Wyoming. Drivers can also add uninsured and underinsured motorist insurance to their non-owner policy.

However, non-owner car insurance does not include comprehensive and collision insurance, also known as full coverage.

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Non-owner car insurance in Wyoming needs to meet the following minimum coverage requirements:

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

Who Should Get Non-Owner Car Insurance in Wyoming?

A non-owner liability car insurance policy in Wyoming is a good option for you if:

  • You temporarily don’t have a car but want to maintain insurance to avoid a lapse: Non-owner car insurance is a cost-effective way to maintain coverage when you temporarily do not have a car but want to avoid an insurance coverage lapse. This type of lapse can result in higher rates when you are ready to get a traditional policy again.
  • You frequently rent cars or use car-sharing services: Buying rental car insurance repeatedly can be expensive if you rent cars often. A non-owner policy is an affordable way to get coverage if you rent cars regularly.
  • You need insurance to get your license reinstated: If your license gets suspended due to a violation, a non-owner car insurance policy is a cost-effective way to get the insurance you need to get your license reinstated.

Who Shouldn’t Get Non-Owner Car Insurance in Wyoming?

A non-owner car insurance policy is not necessary if you only rent cars occasionally. This is because if you only rent a car once or twice a year, it might be more cost-effective to get rental insurance from the car rental company.

You also do not need to get a non-owner car insurance policy if you’re borrowing a car from a relative or friend. For example, if you live in Cheyenne and drive a friend’s car with their permission, their car insurance policy will cover you.

How to Get Non-Owner Car Insurance in Wyoming

MoneyGeek confirmed that all the insurers on this page provide non-owner car insurance in Wyoming. However, insurers do not usually offer quotes online for these policies. The best way to get more information about non-owner car insurance is to call the insurers using the contact information listed below.

Contact Non-Owner Car Insurance Companies in Wyoming
  • Company
    Contact Number
  • USAA
    800-531-8722
  • GEICO
    800-207-7847
  • Farmers
    888-327-6335

Frequently Asked Questions About Wyoming Non-Owner Car Insurance

Non-owner car insurance is not the same as a traditional policy. Here are some of the most frequently asked questions about non-owner car insurance in Wyoming to help you better understand this type of coverage.

Methodology

MoneyGeek collected data on non-owner car insurance quotes across different insurers in Wyoming in collaboration with Quadrant Information Services. The policies used were for a 40-year-old driver with a safe driving record and a DUI. Policies met the minimum car insurance requirements in Wyoming with the exception of liability insurance, which has the following coverage limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

Data for traditional car insurance policies had the same limits.