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

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.

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.

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

• GEICO: $16 per month
• Farmers: $25 per month

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.

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

• GEICO: $22 per month
• Farmers: $30 per month

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.

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.

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.

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.

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.

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.