Auto Insurance with Bad Credit in Wyoming

The Zebra
March 12, 2019

Finding cheap auto insurance can be tough when you have bad credit. Insurers utilize credit score as a major rating factor, setting prices based partially on clients' credit histories. Because auto insurance companies use historical data showing those with bad credit have a greater likelihood of filing car insurance claims, they compensate for the extra risk by charging more expensive rates.

Your car insurance costs with bad credit depends on which company you choose, where you live, and a few other rating factors. See on this page average insurance rates for drivers with bad credit in primary Wyoming cities and rates from top car insurance companies, followed by tips to save on auto insurance if you have a bad credit score in Wyoming.


Car insurance for drivers with bad credit in Wyoming:

  1. Average rates
  2. Prices by city
  3. Rates by carrier

Car insurance rates with bad credit in Wyoming

Drivers in Wyoming face a penalty of $757 each year for having a credit score at the low end of the scale. A driver in either the “poor” or “below fair to poor” credit tier will also pay above-average rates for a car insurance policy.


WYOMING AUTO INSURANCE RATES WITH BAD CREDIT

Credit TierAverage Annual Rate in Wyoming
Worst$2,095
Poor$1,893
Below Fair to Poor$1,776
Average — All Credit Tiers$1,338

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Auto insurance rates with bad credit in Wyoming cities

Your auto insurance costs will also vary depending on the specific area where you park your car. Car insurance companies use your address to better understand how likely you are to file a claim: the more claim-prone your area,, the more you'll pay for insurance.

We've listed major Wyoming cities and their typical car insurance rates for drivers with poor credit ratings.


BAD CREDIT CAR INSURANCE RATES IN WYOMING CITIES

CityAverage Annual Rate — Worst CreditAverage Annual Rate — Poor CreditAverage Annual Rate — Below Fair to Poor Credit
Cheyenne$2,004$1,816$1,710
Casper$2,069$1,869$1,755
Laramie$2,079$1,879$1,764
Gillette$2,176$1,962$1,838
Rock Springs000

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Car insurance companies for bad credit in Wyoming

Another contributing factor to how much you pay for car insurance is the insurer you buy from. Every car insurance company rates its policies in a unique manner, giving rating factors varying weights in their pricing calculations. Credit can be a primary pricing differentiator between otherwise-similar insurance companies. In Wyoming, the most affordable insurance company for a driver with bad credit is Safeco, which offers a premium cut of $270 per year in comparison to the second-cheapest company, GEICO.

See rates from leading auto insurance companies in Wyoming for drivers with bad credit.


WYOMING CAR INSURANCE RATES WITH BAD CREDIT — BY COMPANY

CompanyAverage Annual Rate — Worst Credit
Safeco$1,262
GEICO$1,532
State Farm$1,869
Mid-Century$2,235
USAA$2,577

If you're having a hard time getting auto insurance with bad credit, remember these tips:

  1. See car insurance quotes
  2. Explore discounts
  3. Be smart with your claims
  4. Know what determines car insurance rates