Auto Insurance
BestAuto InsuranceAfter a DUIGetting Car Insurance in Wyoming After a DUI (2023)
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Drivers charged with driving under the influence (DUI) of alcohol or drugs in Wyoming can get the cheapest full coverage and minimum coverage car insurance from State Farm. Based on MoneyGeek’s findings, State Farm is also the best car insurance provider in Wyoming after a DUI for both policies.
BestAuto InsuranceAfter a DUIBest Companies for DUI Insurance in 2023
Best full coverage after a DUI - State Farm
Cheapest minimum coverage after a DUI - State Farm
Best full coverage after a DUI - State Farm
Best minimum coverage after a DUI - State Farm
In Wyoming and every other state, car insurance providers may legally deny you a policy if you have a DUI conviction. Should they decide to cover you, your rates are considerably higher than those without a DUI because DUI drivers are riskier to insure and may file claims.
MoneyGeek’s research indicates that in Wyoming, full coverage car insurance for people with DUI convictions could increase by around 91%. Plus, Wyoming DUI laws include a 90-day license suspension.
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Cheapest Car Insurance Companies in Wyoming After a DUI
MoneyGeek’s nationwide analysis shows that State Farm and Progressive are the cheapest car insurance companies for DUI offenders. However, the most affordable insurers in Wyoming after a DUI are State Farm and Allstate.
Cheapest Companies for Full Coverage in Wyoming After a DUI
Full coverage car insurance provides added protection but costs more than state minimum coverage. MoneyGeek found the cheapest full coverage car insurance in Wyoming for someone with a DUI, on average, is with:
- State Farm: $790 per year
- Allstate: $1,018 per year
While USAA had the second-best rate at roughly $920 per year, its policies are only available to active and retired military and their families.
Cheapest Car Insurance for Full Coverage After a DUI
Cheapest Companies for Minimum Coverage in Wyoming After a DUI
The lowest-priced car insurance policy after a DUI is minimum coverage. It may not give much protection, but it is an option to avoid the higher cost of full coverage after a DUI in Wyoming.
From MoneyGeek’s research, the two insurers that provide, on average, the cheapest minimum coverage to DUI drivers in Wyoming are:
- State Farm: $272 per year
- Allstate: $481 per year
USAA had the second-lowest annual cost at around $352, but its policies are only for military members and their families.
Cheapest Car Insurance for Minimum Coverage After a DUI
MONEYGEEK EXPERT TIP
The cheapest auto policy in Wyoming is state minimum car insurance, but it may not offer adequate protection after an at-fault accident. That’s because of its low liability limits and lack of coverage for your vehicle. MoneyGeek recommends determining how much car insurance you need to get the necessary protection.
Top Car Insurance Companies in Wyoming After a DUI
To get the best car insurance with a DUI, MoneyGeek ranked insurance providers across factors like financial stability, affordability and customer satisfaction. We concluded that the best insurance company in Wyoming for full coverage and minimum coverage car insurance, if you have a DUI, is State Farm.
Best Companies for Full Coverage in Wyoming After a DUI
For drivers with a DUI conviction in Wyoming, the top two car insurance companies for a full coverage policy are State Farm and Allstate.
1
State FarmBest full coverage after a DUI
Score:4.5
State Farm drivers in Wyoming pay an average of $726 per year for full coverage car insurance without a DUI. For DUI offenders, the rate increases by nearly 9% to $790 a year.
More About State Farm
State Farm is a top-rated car insurance provider. It provides add-on rideshare insurance, plus several discounts, like bundling. However, it lacks unique add-on coverages like accident forgiveness and gap insurance.
2
State Farm
Score:4.5
State Farm drivers in Wyoming pay an average of $726 per year for full coverage car insurance without a DUI. For DUI offenders, the rate increases by nearly 9% to $790 a year.
More About State Farm
State Farm is a top-rated car insurance provider. It provides add-on rideshare insurance, plus several discounts, like bundling. However, it lacks unique add-on coverages like accident forgiveness and gap insurance.
3
Allstate
Score:4
A full coverage policy in Wyoming from Allstate costs around $827 for drivers with no DUI. People with a DUI conviction pay around 23% more at roughly $1,018 per year.
More About Allstate
Allstate scores well for claims and customer satisfaction. It offers add-on custom parts and sound system coverage. However, it lacks some common discounts, like multiple car, and does not provide better car replacement add-on coverage.
4
Allstate
Score:4
A full coverage policy in Wyoming from Allstate costs around $827 for drivers with no DUI. People with a DUI conviction pay around 23% more at roughly $1,018 per year.
More About Allstate
Allstate scores well for claims and customer satisfaction. It offers add-on custom parts and sound system coverage. However, it lacks some common discounts, like multiple car, and does not provide better car replacement add-on coverage.
Best Companies for Minimum Coverage in Wyoming After a DUI
Minimum coverage car insurance features the lowest rates but may fail to meet your coverage needs. MoneyGeek analyzed insurance companies in Wyoming and found that the cheapest providers of minimum coverage car insurance for DUI offenders are State Farm and Allstate.
1
State FarmBest minimum coverage after a DUI
Score:4
In Wyoming, a minimum coverage policy from State Farm costs approximately $246 per year without a DUI. Drivers pay an average of $272 with a DUI, a roughly 10% increase.
More About State Farm
State Farm provides some of the most common car insurance discounts like airbags and multiple vehicle. It also offers add-on rideshare insurance. State Farm had the highest affordability score, although it lacks unique add-on coverages, such as OEM.
2
Allstate
Score:4
For drivers without a DUI, Allstate charges about $407 per year for minimum coverage car insurance in Wyoming. People with a DUI pay around 18% more, averaging $481 per year.
More About Allstate
Allstate provides cheap car insurance to young drivers. On average, the insurer is the second cheapest in Wyoming and offers sound system and custom parts add-on coverage. However, Allstate does not provide better car replacement add-on coverage and some common discounts like defensive driving.
3
State Farm
Score:4
In Wyoming, a minimum coverage policy from State Farm costs approximately $246 per year without a DUI. Drivers pay an average of $272 with a DUI, a roughly 10% increase.
More About State Farm
State Farm provides some of the most common car insurance discounts like airbags and multiple vehicle. It also offers add-on rideshare insurance. State Farm had the highest affordability score, although it lacks unique add-on coverages, such as OEM.
4
Allstate
Score:4
For drivers without a DUI, Allstate charges about $407 per year for minimum coverage car insurance in Wyoming. People with a DUI pay around 18% more, averaging $481 per year.
More About Allstate
Allstate provides cheap car insurance to young drivers. On average, the insurer is the second cheapest in Wyoming and offers sound system and custom parts add-on coverage. However, Allstate does not provide better car replacement add-on coverage and some common discounts like defensive driving.
How Much Does Car Insurance Cost in Wyoming After a DUI?
On average, car insurance for DUI offenders in Wyoming costs around 91% more than before the DUI conviction. A full coverage policy with a DUI offense averages $1,521 per year. Meanwhile, drivers with no DUI pay around $794 per year. Below is a comparison of costs before and after a DUI in Wyoming for car insurance.
How long does a DUI affect the cost of your car insurance?
Average Cost
Full Coverage
$794
Average Cost with DUI
Full Coverage
$1,521Full coverage policy premiums after a DUI cost::$727 more
This is 92% more expensive.
After a DUI, insurers treat you as a high-risk driver since you are more likely to file claims. Your car insurance rates do increase significantly. You can use MoneyGeek’s auto insurance calculator below to obtain a personalized cost estimate and see how it changes after a DUI conviction.
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MONEYGEEK EXPERT TIP
Apart from the increased car insurance premium, a DUI has added expenses. The other DUI-related costs include:
- Fines, court and attorney fees. A DUI conviction could result in fines and court fees. You may also need to hire an attorney.
- Towing/impound fee. After an arrest, you need to pay the towing and impound fees for your car to get it back.
- Drug education and treatment. In some states, DUI offenders need to enroll in an alcohol or drug education program, which is not free.
- DMV reinstatement fee. If your license is suspended, you pay a fee to reinstate your driving privileges.
Getting Car Insurance in Wyoming After a DUI
While some auto insurance companies still offer car insurance after a DUI, others may deny coverage. Since these are private businesses, they can legally decide to cancel your policy or not renew it.
Getting car insurance after a DUI offense in Wyoming can be hard due to the 10-year look-back period. However, you can still find options by shopping around.
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If convicted of a DUI in Wyoming, you must file an SR-22 form. The SR-22 is a document that the insurer submits to the DMV to prove that your policy meets the required minimum coverage. Filing the SR-22 comes with additional costs, including fees, and you may lose discounts.
Wyoming DUI Laws
Aside from paying a higher premium for car insurance after a DUI, you may also get penalized, spend time in jail or lose your driving privileges. In Wyoming, the charges and severity of penalties vary based on the number of offenses, age and blood alcohol content, among other factors.
Driving With a BAC at or Above 0.08% Is Considered a DUI
Blood alcohol content or BAC refers to the amount of alcohol in a person’s bloodstream.
In Wyoming, the DUI BAC threshold is 0.08% if you are 21 years or older, 0.02% if you are under 21 years and 0.04% if you have a commercial driving license. If you refuse to take the BAC test, you are charged with a DUI.
Driving With a BAC of 0.15% Will Result in Increased Penalties
If you have a BAC of 0.15% or more, you face additional penalties in Wyoming.
90-Day Administrative License Suspension on First Offense
If your BAC is 0.08% or above, your license is suspended for 90 days.
Ignition Interlock
Drivers with a BAC of 0.15% or higher and those with repeated convictions must install an ignition interlock in their car for a specified period. The ignition interlock device disables the car engine if alcohol is detected in the driver’s breath.
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Frequently Asked Questions
Will insurance cover me after a DUI in Wyoming? MoneyGeek responded to this and various other commonly asked questions about auto insurance after a DUI.
Methodology
To determine the top companies for individuals with DUIs in Wyoming, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
sources
- Responsibility.org. "National Drunk Driving Statistics Map." Accessed April 27, 2022.
- DMV.org. "Wyoming DUI & DWI Laws & Enforcement." Accessed April 27, 2022.
- National Conference of State Legislatures. "Increased Penalties for High Blood Alcohol Content." Accessed April 27, 2022.
- Governors Highway Safety Association. "Alcohol Impaired Driving." Accessed April 27, 2022.