Non-owner car insurance is designed for individuals who often drive vehicles they don’t own. It provides liability coverage, which pays for property damage or bodily injuries you cause while driving someone else’s car. It offers financial protection and peace of mind, helping you avoid substantial, unexpected expenses should an accident occur.
Non-owner car insurance is usually more affordable than regular car insurance, as it doesn’t cover your own vehicle. The premium varies based on your driving record, age 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 important for renting or borrowing cars. It helps cover costs if you’re at fault in an accident while driving a car you don’t own, so you’re not stuck paying for damages out of pocket. Also, it can work alongside the car owner’s insurance to offer additional coverage.
Non-owner car insurance often benefits people who frequently rent cars for personal or business use. Instead of opting for expensive coverage through the rental company, you can consider getting non-owner insurance that offers the same level of protection at a more affordable rate.
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.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
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.
Non-owner auto insurance rates may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
Below is a table showing the cheapest companies for non-owner car insurance in Wyoming.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| American National | $145 | $12 |
| Geico | $244 | $20 |
| Farmers | $380 | $32 |
| USAA* | $90 | $8 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Wyoming, by age and gender
Non-owner car insurance costs in Wyoming can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $589 a month, while adding a 16-year-old female might increase your monthly cost by $480 .
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs in Wyoming.
The table below shows how non-owner car insurance rates vary by age and gender in Wyoming.
| 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.
In Wyoming, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
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.
The table below shows how much you’ll pay for non-owner car insurance based on your city.
| 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 is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed vehicle.
Non-owner car insurance provides coverage for accidents and can serve as an additional layer of protection that complements the car owner’s current policy. It reassures the car owner that they won’t have to worry about their insurance rates going up due to an accident caused by another driver.
For example, if you’re driving a friend’s vehicle with only basic liability coverage, your non-owner insurance can help cover the extra costs if the damages exceed their policy’s coverage limits.
Maintaining continuous coverage is essential to help keep your insurance rates low in the future. Non-owner car insurance is an excellent option if you don’t own a car. Insurance companies may view lapses in coverage as risky, which can lead to 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 an excellent choice in Wyoming if you occasionally rent or borrow vehicles, 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.
Non-owner car insurance is a smart way to maintain continuous coverage, helping you secure lower rates in the future. If you drive cars that aren’t your own regularly, be sure to get quotes from different companies to find 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.
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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