With seven national parks, grand mountain backgrounds, and scenic plains, residents of Wyoming have endless pristine beauty within reach. From Yellowstone to Cheyenne, there are plenty of gorgeous drives. But before you set out, you need to have an excellent car insurance policy.

Wyoming residents can frequently get great rates on insurance premiums; most pay below the national average for their car insurance. But it pays to shop around, and comparing rates for multiple insurance companies is the only way to guarantee you’re not overpaying for your policy.

OnlineAutoInsurance.com lets you compare car insurance rates from Wyoming insurance companies for free, with no obligation to buy. All you need to do is answer a few basic questions about yourself and the vehicle you want to insure, and you can shop for a policy that offers you the coverage you need at a price you’ll love.

But before you start shopping, you need to decide the level of coverage you need to protect yourself if you’re ever in a car accident. So what are the legal minimums? And what other policies should you consider?

Wyoming Car Insurance Laws

State law requires motorists to maintain liability insurance at all times, with the following minimum limits:

Liability Coverage

  • $25,000 Bodily Injury Coverage per person
  • $50,000 bodily Injury Coverage per accident
  • $20,000 Property Damage Liability per accident

The Bodily Injury policy pays for medical expenses or funeral costs for injuries you are liable for in an at-fault accident, up to the per person and per accident limits. Your Property Damage policy will cover damages to vehicles or structures you’re liable for in an at-fault accident.

Your liability coverage won’t help you pay for medical costs for you or your passengers, nor will it help you fix your car if it’s damaged in an accident. And realistically, the minimum coverage limits are not sufficient to keep you covered in car accidents with multiple injuries or damaged vehicles. And you will still be financially responsible for any damages that exceed those limits, which means any assets you have are vulnerable unless you raise the maximum limits on your policy to sufficiently protect you.

As of July 1, 1991, the Wyoming car insurance laws gave law enforcement officers the right to request proof of insurance at any time. If a driver cannot provide the proof, they will have seven days to produce such documentation. Failure to comply can result in a fine of up to $750, imprisonment of up to 6 months, or both. As of January 1, 1993, vehicles could no longer be registered without proof of insurance.

Additional Policies to Consider

While the above policies will meet the requirements of state laws, they won’t help you repair or replace your vehicle - and if you’re at fault in an accident, they won’t help pay your medical bills. If your financial stability is questionable, consider adding these policies to protect you and your assets:

Medical Payments (MedPay)

A Medical Payments policy will pay medical bills for reasonable and necessary medical treatment, as well as funeral expenses, for you or your family members injured in a car accident. Because it’s a kind of no-fault insurance, it will pay out regardless of how the accident occurred. It will even cover you if you’re hit by a car as a pedestrian. If you don’t have health insurance, or if your policy has a very high deductible, MedPay could be very valuable to you.

However, you should be aware that your insurance company may have the right to subrogation of these benefits in Wyoming, so if another driver’s liability policy pays out, you may have to pay them back. But even so, it can mean the difference between getting the care you need immediately or waiting around for a settlement.

Collision and Comprehensive

If you’re still paying off your car, your lender will require you to carry Collision and Comprehensive coverage to protect your vehicle. The collision policy will repair or replace your vehicle when it’s damaged in an accident no matter who is at fault. Comprehensive covers damages that occur from everything except collisions, such as damage from falling limbs or fire. It will also replace your vehicle if it’s stolen.

Uninsured Motorist Coverage

This policy will allow you to make a claim if you’re in an accident with an uninsured motorist, or if you’re the victim of a hit-and-run. It will have bodily injury limits identical to your liability coverage, and you will be able to collect benefits for medical expenses, funeral costs, or lost wages and other economic loss, up to the limits on your policy.

In Wyoming, car insurance companies are required to offer you Uninsured Motorist Coverage. However, you can choose to reject it. There are no regulations requiring them to offer an Underinsured Motorist policy, and not every carrier will offer it. But if they do, purchasing it allows you to collect damages that exceed the liability limits of an underinsured motorist, so long as you have coverage that exceeds their maximum limits.

What Factors Determine Your Rates?

Your car insurance premiums are determined by a combination of personal factors, the vehicle you want to insure, and the level of protection you select. Each insurance agency will use your information differently, and no single company offers the best rates for everyone.

Personal factors include your age, address, driving record, credit score, and claims history. The higher the risk you are to insure, the more your coverage will cost. Each year before renewal, your risk will be reassessed. That means if you get a speeding ticket or other moving violations, or if you make an insurance claim, you’ll likely need to pay more in premiums. Note that your insurance carrier may also change the way it underwrites policies, which can have unpredictable effects on the cost to keep your insurance. That’s why it’s so important to regularly compare rates to make sure you’ve always got the best deal on car insurance.

The make, model, and year of your vehicle and the annual mileage it’s driven also have a big role to play in your insurance rates. Cars that are more expensive to repair usually cost more to cover, while those with advanced safety features can get discounts that make them even cheaper to cover than some cars that cost less. Before you buy a vehicle, you should find out how much it will cost to carry insurance coverage.

Car insurance companies will target different demographics, and each one has different discounts available. While most of them will be offered automatically, such as a safe driver discount, others will need you to provide additional information. That could include proof of a high GPA to get a good student discount, or proof of safety equipment or anti-theft devices installed on your vehicle. You can also take defensive driving classes to lower your rate. Be sure to find out about any available discounts you may qualify for when purchasing a policy.

The bottom line

In order to get the best deal on car insurance, you need to have good driving habits and avoid insurance claims whenever possible. But most importantly, you need to compare car insurance quotes with the right level of coverage to get a good value for your money. Even if you already have an insurance policy, switching companies can save you hundreds of dollars a year.

So get started on your rate comparison today, and let OnlineAutoInsurance.com help you find a policy you love before you hit the road.