Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
Non-owner car insurance generally costs less than standard car insurance because it doesn’t cover the vehicle you’re driving. However, insurance rates vary based on your age, driving history and location.
- Non-owner car insurance costs an average of $18 a month in Wyoming for the coverage limit of 25/50/20.
- The non-owner car insurance rate is $215 per year—lower than liability-only coverage of $331 for Wyoming drivers.
- American National offers the cheapest non-owner car insurance rates in Wyoming at an average cost of $12 per month.
Do I need non-owner car insurance in Wyoming?
Non-owner car insurance in Wyoming is crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
Non-owner insurance can be beneficial for maintaining continuous coverage when you’re between cars, helping to keep your insurance rates lower in the future. It provides liability protection if you’re at fault in an accident, though it doesn’t cover the car you drive.
Average non-owner car insurance cost in Wyoming
Wyoming drivers can expect to pay an average of $18 per month or $215 annually for non-owner car insurance with a coverage limit of 25/50/20.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Wyoming
According to CarInsurance.com’s analysis, American National offers the lowest non-owner car insurance rates in Wyoming, with an average cost of $12 per month. Geico and Farmers also provide affordable non-owner insurance premiums.
Your non-owner auto insurance rate may vary based on your driving history, ZIP code and coverage limits. Comparing quotes from multiple insurers can help you find the best insurance policy at affordable rates.
See the cheapest companies for non-owner car insurance in Wyoming in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| American National | $145 | $12 |
| Geico | $244 | $20 |
| Farmers | $380 | $32 |
| USAA* | $90 | $8 |
Non-owner car insurance in Wyoming, by age and gender
In Wyoming, non-owner car insurance rates differ based on age and gender. For example, if you add a male teen driver to your car insurance, you’ll pay an average of $589 a month for insurance, whereas adding a 16-year-old female would cost you around $480 monthly.
Young drivers, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers in Wyoming.
See how much you’ll pay for non-owner car insurance by age and gender in the table below.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $497 | $410 |
| Young Adults (20-24) | $342 | $281 |
| Adults (25-60) | $213 | $211 |
| Seniors (65-75) | $222 | $222 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Wyoming cities
In Evanston non-owner auto insurance costs $16 per month or $194 annually, while drivers in Laramie pay $17 monthly for the same coverage.
Car insurance premiums in Wyoming vary by city, with insurers adjusting non-owner car insurance rates based on factors such as the frequency of accidents, theft and vandalism in the area.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Wyoming city can lead to higher insurance rates overall, including non-owner car insurance.
See how much you’ll pay for non-owner car insurance in your city in the table below.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Evanston | $194 | $16 |
| Laramie | $203 | $17 |
| Sheridan | $205 | $17 |
| Riverton | $206 | $17 |
| Gillette | $230 | $19 |
| Rock Springs | $231 | $19 |
| Green River | $231 | $19 |
| Jackson | $239 | $20 |
| Cheyenne | $257 | $21 |
| Casper | $274 | $23 |
Affordable non-owner insurance in Wyoming, by ZIP code
In Wyoming, a 40-year-old driver living in ZIP code 82224 pays $194 a year or $16 per month for non-owner insurance, while the coverage costs $194 a year or $16 per month for a driver in ZIP code 82229 with a clean driving record.
When should you consider buying non-owner car insurance in Wyoming?
Non-owner car insurance provides coverage for drivers who don’t own a car but still need insurance while driving someone else’s vehicle. This insurance primarily covers liability, helping you pay for any damages or injuries you may cause to others in the event of an accident.
In addition to covering accidents, non-owner car insurance can help fill in gaps, offering extra protection on top of the car owner’s existing policy. It gives the car owner peace of mind, knowing their insurance rates won’t increase because of an accident caused by someone else.
For instance, if you’re driving a friend’s car and their insurance only includes minimum liability coverage, your non-owner policy can help cover any extra costs if the accident exceeds their policy’s limits.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in higher premiums.
By having non-owner car insurance during these gaps, you are demonstrating responsible and continuous insurance coverage, which can help keep your rates low in the future.
Final thoughts on non-owner car insurance in Wyoming
Non-owner car insurance is a good option in Wyoming to get auto insurance liability coverage if you rent or borrow vehicles occasionally, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance provides valuable liability protection for individuals who regularly rent or borrow cars while behind the wheel. It can also work alongside the car owner’s coverage to offer additional protection.
It is also beneficial for maintaining continuous insurance coverage, which can help keep your rates low in the future. Consider a non-owner car insurance policy if you frequently use vehicles that do not belong to you, and get quotes from three different companies to ensure you’re getting the best rate.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance. USAA also made it to the list, but it provides services only to current and former military members and their families.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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