Wyoming Car Insurance

Additional Wyoming car insurance coverages

Opting for additional auto insurance coverage beyond Wyoming-mandated minimums can provide invaluable protection in various scenarios. It’s not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages you might consider:

• Comprehensive (other than collision): Coverage for damage to your vehicle that isn’t the result of a collision with another car or object. This includes damage caused by falling trees or rocks kicked up by other cars.
• Collison coverage: This coverage helps pay for repairs to your car if it’s damaged in a collision with another vehicle or object. 
• Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses. 
• Auto loan/lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it’s totaled in a covered accident. 
• Roadside assistance coverage: Around-the-clock roadside assistance, providing services like jumping dead batteries, towing your car and unlocking car doors. 
• Repairing or replacing auto glass: Repair or replacement of your damaged windshield, windows and other auto glass, without a deductible.

How Wyoming auto insurance rates are determined

There are several factors that impact auto insurance in Wyoming, including individual circumstances, geographical location, coverage options and more. Here are some points to consider:

• Driving history: Your individual driving record plays a substantial role in determining your Wyoming auto insurance premiums. Drivers with clean records typically pay lower premiums than those with a history of accidents or traffic violations. 
• Vehicle type: Your car's make and model, safety ratings, repair costs and likelihood of theft can influence Wyoming car insurance rates.
• Claims in your state: Auto insurance rates may be affected by the claims filed in Wyoming. Higher rates of accidents, theft or other incidents can lead to increased premiums for all drivers in Wyoming. 
• Weather patterns: Weather-related incidents impact Wyoming car insurance rates, particularly for comprehensive coverage that includes protection against damage caused by the weather.

It’s important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Maximize savings with Wyoming auto insurance discounts

Amica offers various auto insurance discounts to help Wyoming drivers save more money on their premiums.¹ Here are some discounts that you may be eligible for:

• Discounts for family
  • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program. 
  • Good student: Policies with full-time high school or college students, ages 16-25, with a “B” average or higher are eligible for our Good Student Discount.
• Discounts for how you drive
  • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years. 
  • Defensive driver training: Taking an approved driver safety course can earn you a discount.
• Discounts for your car’s systems
  • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning. 
  • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
• Discounts for how you pay
  • AutoPay: Simplify your payment experience with AutoPay to earn more savings. 
  • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your Wyoming policy premium up front.

If you’re a Wyoming driver in need of both auto and home insurance coverage, it’s worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 20% with a multiline discount.¹

Facts and figures about Wyoming

Fun facts about Wyoming:

• Devils Tower in northeast Wyoming became the first U.S. national monument in 1906, designated by President Theodore Roosevelt. It stands 1,267 feet above the Belle Fourche River and is 867 feet from base to summit.²
• Rodeo is Wyoming's official state sport. The Cheyenne Frontier Days calls itself the “World’s Largest Outdoor Rodeo and Western Celebration,” and features a carnival, concerts, parades and more. The Cheyenne Frontier Days Old West Museum honors the festival's century-long history.²
• Wyoming ranks as the 10th largest state by area in the U.S., yet it has the distinction of being the least populous state, with a population of fewer than 600,000 residents.²

Facts about driving in Wyoming:

• When driving in wildlife areas, the Wyoming Department of Transportation advises reducing speed near deer crossing signs, scanning the highway and roadside, using high beams at night, and being cautious near forests and water. Slow down at night and in areas with limited visibility. Stay alert at dusk and dawn, and watch for animal eyes reflecting your headlights.³
• Applicants applying for a driver's license under the age of 18 need to pass a written test, vision screening, driving skills test and provide a signed release form from a parent or guardian. The skills test can be waived with a valid out-of-state license or approved driver's education certificate.³ 
• Wyoming law forbids reading or sending text messages from a cellphone or other device while driving. Some cities and towns also ban using cellphones while driving, so check local ordinances and watch for notifications.³

With Amica, Wyoming drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.