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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

If you’re seeking some flexibility as far as your auto insurance is concerned, you could be interested in a temporary car insurance policy. Truth is, temporary car insurance agreements are rare for a few reasons.

Many many auto insurers don’t provide policy terms for periods shorter than six months. Since car insurance is required by law in every state but one, there's some risk associated with swapping policies every month. Additionally, you risk having gaps in your insurance record by making abrupt moves between policies, which could lead to higher prices in the long run.

There's some good news: car insurance policies typically last for just six months. This quick duration allows car insurance companies to frequently “re-rate” — or re-price — your policy using your current driving history and demographics.

The six-month mark is also a great opportunity for you to reassess your policy and considering other car insurance companies. Shopping rates on the Internet is quick and complimentary, and there’s no penalty for switching car insurance companies between policy terms — or mid-policy, assuming you never let your insurance lapse.

The flexible nature of car insurance makes it relatively easy to buy with limited advance notice. If you need an insurance policy to take a new vehicle off the lot, attempting to get insurance for a longer-term car rental or seeking insurance on a car you don't own but drive often, consider purchasing a policy and ending the agreement as needed.

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Temporary car insurance in Wyoming

See below normal car insurance rates in the state of Wyoming, ordered by top car insurance companies and cities. If your premiums exceed the rates below, think about shopping around.

Insurance Company Average 6-Month Rate Average Monthly Rate
Wyoming State Average — All Companies $720 $120
SAFECO $518 $86
USAA $536 $89
State Farm $648 $108
Grange $774 $129
GEICO $827 $138

The cheapest option for temporary auto insurance in Wyoming is SAFECO, through which you can save $3 per month, compared to the next-best option, USAA. In Wyoming, the average monthly cost of car insurance is $120, or $720 over a biannual contract.

Where you reside has as large an influence on your insurance rates as your choice of insurance company. Auto insurance companies take into account the density and likelihood of a claim being filed when pricing policies by ZIP. See below insurance rates in the biggest cities in Wyoming and compare them to the amount you pay.

City Average 6-Month Rate Average Monthly Rate
Cheyenne $711 $119
Casper $712 $119
Laramie $718 $120
Gillette $748 $129
Rock Springs $731 $122

Because so many factors are involved in setting insurance rates, your quotes may not match the totals displayed above. If your current rates don’t align with those listed above, take some time to compare rates. The short-term duration of a car insurance policy enhances the importance of staying informed and willing to shop.

Find out more about short-term auto insurance or use The Zebra to compare quotes (it's fast and free!) today.


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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.