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Wyoming Car Insurance for Bad Credit Drivers

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Jeanette Wisniewski

By: Jeanette Wisniewski

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Companies for Drivers With Bad Credit in Wyoming (2022)

For drivers with bad credit in Wyoming, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Wyoming. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Wyoming.

Bad Credit Car Insurance in Wyoming

Known for its national parks, Wyoming attracts millions of tourist dollars to the state each year. But not everyone can be so forthcoming with their funds right now. If you have bad credit, you may be feeling the financial crush of steeper car insurance rates in this state.

The good news is that credit-based insurance scores aren't the only thing used to determine your insurance rates. By keeping a clean record and shopping around, you may be able to escape the pinch that bad credit can put on car insurance premiums.

Wyoming Car Insurance Rates for Bad Credit Drivers

Excellent
$155
Good
$173
Average
$174
Poor
$189

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in Wyoming?

Insurance companies have found that a driver's credit score has financial implications that affect their business. Wyoming drivers with poor credit tend to make more claims, so insurance companies penalize them with higher-than-average premiums.

Wyoming drivers with questionable credit pay an average of $10 more monthly for car insurance than those with good credit. Though it doesn't seem like much, drivers could find better places to spend this 6.49 percent increase over time.

Avg. Monthly Cost - for Drivers with Good Credit
$154
Avg. Monthly Cost - for Drivers with Bad Credit
$164
$10 ▴
6.49% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

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Can I Get Car Insurance With No Credit Check in Wyoming?

In Wyoming, it will be tough to find an insurer not interested in using your credit score to inform their rates. Though small, local companies catering to high-risk drivers sometimes skip that part, the rates they offer are higher than average anyway.

If you're worried about how insurance companies will use your credit information, know that it cannot be their only reason for canceling, denying, or not renewing an insurance policy. Sometimes, car insurance companies will consider a life-event exception if you've had a hardship that may have hurt your credit history.

Wyoming Car Insurance Rates by Credit Tier

Though there are variances between different credit reporting agencies, credit tiers are a standard device for separating a range of credit scores from one another. Even moving up one credit tier from poor to average can improve your premiums by $15 a month in Wyoming.

Credit TierAvg. Monthly Cost
Excellent$155
Good$173
Average$174
Poor$189

Car Insurance Rates With Bad Credit in Wyoming Cities

Insurance rates for those with less-than-excellent credit are better in Casper and Rock Springs, at $106 per month, than in Cheyenne, where insurance is nearly $70 more. Because location influences premiums, this could be because Casper and Rock Springs are among the safest cities in which to live.

CityCredit TierAvg. Monthly Cost
CasperPoor$106
CheyennePoor$175
Rock SpringsPoor$106

Tips for Researching Bad Credit Wyoming Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like Wyoming draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Wyoming Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Wyoming. Insurify analyzed the latest data for the five most populous cities in Wyoming to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Wyoming and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Jeanette Wisniewski
Jeanette Wisniewski

Content Writer at Insurify

Jeannette Wisniewski is a technology writer whose passion is encouraging people to engage with technology by making it more understandable and more interesting. Though she enjoys writing business copy for a wide range of subjects, she is most inspired by emerging tech and its applications. She is a graduate of San Jose State University, a Georgia Peach at heart, and happy to call Boise, ID home.

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