Wyoming was originally inhabited by several different Native American tribes. They frequently traveled through there, returning during the warmer months. The land is a mix of plains, mountains, hills and bluffs. There are several natural springs and lakes in the mountains. It is also home to Yellowstone National Park. Originally the Oregon Trail went through part of the state. Wyoming officially received its name in 1865 and was named a United States territory in 1868. Settlers who came to Wyoming were ranchers. Unlike the neighboring states of Colorado and South Dakota, Wyoming was not a booming state for gold or other precious minerals. Today the land continues to be inhabited mostly by ranchers and some farmers. When considering what type of Wyoming car insurance to buy, there are a few relevant things that must be taken into consideration.

The first aspect is the weather. Most of the months in the year are cold, so snow and ice are a frequent factor affecting driving. Winter storms often come up quickly in both the mountains and the plains, making the weather patterns unpredictable. Being caught in a snowstorm is an event that nearly every resident will experience at some point. During inclement weather, it is possible to drive off the road when it is covered in snow. Many people hit signs, posts or damage their vehicle’s front end on steep angles in ditches. During the spring, summer and fall, there are also quite a few species of wildlife, both large and small, that cross the road unexpectedly. Hitting a deer, gazelle, moose or sometimes even a bear in higher elevations is possible. There are not frequent hail storms in the summer, but having the extra protection is helpful,

as hail often leaves some cars nearly totaled when it does hit. To avoid these problems, it is necessary to purchase more than the minimum liability coverage for a Wyoming auto insurance policy. Our goal is to help you find the right insurance policy. There is no single policy that is best for everyone; each person has different needs, preferences and family status. We will provide you with a free Wyoming auto insurance quote, allowing you to explore your options. Simply select the area in which you live in our search tool and view the free Wyoming car insurance quote. We also provide you with all the assistance and legal information you need to make the best decision. Don’t drive without insurance; the risk far outweighs the peace of mind you can enjoy with a good auto insurance policy.

Wyoming Auto Insurance Statistics

     

Wyoming Motor Vehicle Crashes

Statewide Economic Loss Due to Motor Vehicle Crashes

$3,599,955,600

*Statistics obtained from NHTSA and WDOT

Crashes in Wyoming 2009

15,278

Wyoming Motor Vehicle Theft

Theft Rate in Wyoming

707min 24sec

*Statistics obtained from the FBI

Theft Instances in 2002

743

Average Wyoming Payments

Average Insurance Payment

$62.26/mo

*Statistics obtained from the National Association of Insurance Commissioners

National Rank

14

Crashes in Wyoming By Month

January

1,675

February

1,057

March

1,301

April

1,080

May

975

June

1,122

July

1,289

August

1,196

September

1,078

October

1,534

November

1,223

December

1,748

Wyoming Auto Insurance Requirements

Wyoming requires that all of its residents purchase a minimum liability policy, although with the rising costs of healthcare and auto repair all drivers are advised to purchase more than the minimum requirement. The liability minimums in WY are twenty five thousand dollars for injuries suffered by a single occupant of a vehicle, fifty thousand dollars for the combined medical expenses of all of the vehicle’s occupants, Twenty thousand dollars to pay for repairs to any property damage caused by the accident, including those damages suffered by the victim’s vehicle.

Liability covers only those costs associated with the other party involved in an accident for which the insured is responsible; it does not pay for any of the repairs that may be necessary for the vehicle of the insured. For this reason it is recommended that all drivers carry comprehensive insurance; if a car is currently under lien it will probably be a requirement. Comprehensive coverage will pay for any necessary repairs to the vehicle following either an accident with another vehicle that was caused by the insured or an accident over which the insured had no control,

such as those associated with inclement weather conditions or the local wildlife. In light of the fact that not every state in the US requires its drivers to purchase a basic liability policy it is also suggested that every driver should purchase uninsured motorist coverage on their vehicle. WY Uninsured motorist coverage will pay for damages resulting from either an accident involving an uninsured individual or a hit and run.

National Car Insurance Companies

Are you looking for a quality national provider, but you are not sure who you can trust? Well, you are in the right area! Our comprehensive reviews and information will help you in every aspect of purchasing the best car insurance for your lifestyle. You cannot afford to be caught without insurance, so don’t wait any longer to experience the peace of mind knowing you are protected.

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