Temporary Car Insurance in Wyoming

The Zebra
Jan. 18, 2019

If you want some flexibility as far as your auto insurance is concerned, you might be interested in a temporary auto insurance contract. Truth is, short-term auto insurance agreements are hard to come by for multiple reasons.

Firstly, large auto insurance companies won't offer policy terms for periods shorter than six months. Since car insurance is legally required in every state but one, swapping policies by the month can be risky. Additionally, you risk having gaps in your car insurance history by frequently changing policies, which could lead to higher premiums in the long run.

The good news is auto insurance contracts usually last for just six months. This relatively brief duration allows car insurance companies to frequently “re-rate” — or re-price — your premiums using your present driving profile and personal info.


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The end of a policy period also gives you a perfect chance to reevaluate your insurance situation by exploring the offerings of other companies. Getting rates online is easy and free, and there isn't a penalty for trading insurance companies when your policy expires — or in the middle of your policy term, assuming you never let your insurance lapse.

The flexible nature of car insurance makes it relatively easy to purchase quickly. If you need an insurance policy before you can drive your new vehicle off the lot, trying to find a policy for a relatively long-term car rental, or seeking coverage on a vehicle you don't own but drive often, consider purchasing a policy and ending the agreement as needed.


Temporary car insurance policies in Wyoming

See below typical car insurance rates in Wyoming, ordered by top auto insurance companies and cities. If your premiums exceed the rates listed below, consider making a change.


TEMPORARY AUTO INSURANCE RATES IN WYOMING — BY INSURANCE COMPANY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Wyoming State Average — All Companies$669$112
USAA$416$69
State Farm$731$122
SAFECO$559$93
GEICO$711$118
Mid-Century$928$155

The most budget-friendly option for short-term car insurance in Wyoming is USAA, which can save you $53 per month, compared to the next-cheapest option, State Farm. In Wyoming, the average monthly cost of car insurance is $112, or $669 over a six-month contract.

Where you reside has as large an effect on your auto insurance premiums as as your choice of insurance company. Auto insurance companies take into account the frequency of claims in a given area when assigning rates by ZIP code. Check out insurance premiums in the largest Wyoming cities and compare how much you’re paying.


TEMPORARY CAR INSURANCE RATES IN WYOMING — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Cheyenne$578$96
Casper$575$96
Laramie$587$98
Gillette$599$118
Rock Springs$587$98

If your premiums don’t align with those listed above, take some time to weigh your options. The temporary nature of a car insurance policy adds to the importance of remaining informed and ready to shop.

Learn more about temporary car insurance or use The Zebra to compare policies today.


Additional resources

Is it possible to get car insurance with no credit history?

Learn more about weekend-only car insurance.

Check out the best car insurance options for teen drivers.

Find cheap auto insurance for new drivers.