Updated: November 21, 2024
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Drivers charged with driving under the influence (DUI) of alcohol or drugs in Wyoming can get the cheapest full coverage and minimum coverage car insurance from State Farm. Based on MoneyGeek’s findings, State Farm is also the best car insurance provider in Wyoming after a DUI for both policies.
In Wyoming, the two cheapest providers for full coverage car insurance after a DUI are State Farm at $790 per year and Allstate at $1,018 per year.
In Wyoming, the two most affordable providers for minimum coverage car insurance after a DUI are State Farm at $272 per year and Allstate at $481 per year.
In Wyoming, State Farm is the best full coverage car insurance provider after a DUI, offering the most affordable rate at $790 per year, complemented by high scores in affordability, customer satisfaction, and financial stability according to MoneyGeek’s analysis.
In Wyoming and every other state, car insurance providers may legally deny you a policy if you have a DUI conviction. Should they decide to cover you, your rates are considerably higher than those without a DUI because DUI drivers are riskier to insure and may file claims.
MoneyGeek’s research indicates that in Wyoming, full coverage car insurance for people with DUI convictions could increase by around 91%. Plus, Wyoming DUI laws include a 90-day license suspension.
MoneyGeek’s nationwide analysis shows that State Farm and Progressive are the cheapest car insurance companies for DUI offenders. However, the most affordable insurers in Wyoming after a DUI are State Farm and Allstate.
Full coverage car insurance provides added protection but costs more than state minimum coverage. MoneyGeek found the cheapest full coverage car insurance in Wyoming for someone with a DUI, on average, is with:
While USAA had the second-best rate at roughly $920 per year, its policies are only available to active and retired military and their families.
| 1 | State Farm | $790 |
| 2 | USAA | $920 |
| 3 | Allstate | $1,018 |
| 4 | GEICO | $2,098 |
| 5 | MetLife | $2,109 |
The lowest-priced car insurance policy after a DUI is minimum coverage. It may not give much protection, but it is an option to avoid the higher cost of full coverage after a DUI in Wyoming.
From MoneyGeek’s research, the two insurers that provide, on average, the cheapest minimum coverage to DUI drivers in Wyoming are:
USAA had the second-lowest annual cost at around $352, but its policies are only for military members and their families.
The cheapest auto policy in Wyoming is state minimum car insurance, but it may not offer adequate protection after an at-fault accident. That’s because of its low liability limits and lack of coverage for your vehicle. MoneyGeek recommends determining how much car insurance you need to get the necessary protection.
To get the best car insurance with a DUI, MoneyGeek ranked insurance providers across factors like financial stability, affordability and customer satisfaction. We concluded that the best insurance company in Wyoming for full coverage and minimum coverage car insurance, if you have a DUI, is State Farm.
For drivers with a DUI conviction in Wyoming, the top two car insurance companies for a full coverage policy are State Farm and Allstate.
State Farm drivers in Wyoming pay an average of $726 per year for full coverage car insurance without a DUI. For DUI offenders, the rate increases by nearly 9% to $790 a year.
State Farm is a top-rated car insurance provider. It provides add-on rideshare insurance, plus several discounts, like bundling. However, it lacks unique add-on coverages like accident forgiveness and gap insurance.
A full coverage policy in Wyoming from Allstate costs around $827 for drivers with no DUI. People with a DUI conviction pay around 23% more at roughly $1,018 per year.
Allstate scores well for claims and customer satisfaction. It offers add-on custom parts and sound system coverage. However, it lacks some common discounts, like multiple car, and does not provide better car replacement add-on coverage.
Minimum coverage car insurance features the lowest rates but may fail to meet your coverage needs. MoneyGeek analyzed insurance companies in Wyoming and found that the cheapest providers of minimum coverage car insurance for DUI offenders are State Farm and Allstate.
In Wyoming, a minimum coverage policy from State Farm costs approximately $246 per year without a DUI. Drivers pay an average of $272 with a DUI, a roughly 10% increase.
State Farm provides some of the most common car insurance discounts like airbags and multiple vehicle. It also offers add-on rideshare insurance. State Farm had the highest affordability score, although it lacks unique add-on coverages, such as OEM.
For drivers without a DUI, Allstate charges about $407 per year for minimum coverage car insurance in Wyoming. People with a DUI pay around 18% more, averaging $481 per year.
Allstate provides cheap car insurance to young drivers. On average, the insurer is the second cheapest in Wyoming and offers sound system and custom parts add-on coverage. However, Allstate does not provide better car replacement add-on coverage and some common discounts like defensive driving.
On average, car insurance for DUI offenders in Wyoming costs around 91% more than before the DUI conviction. A full coverage policy with a DUI offense averages $1,521 per year. Meanwhile, drivers with no DUI pay around $794 per year. Below is a comparison of costs before and after a DUI in Wyoming for car insurance.
How long does a DUI affect the cost of your car insurance?
A DUI is on your driving record for many years but varies across states. The duration is known as a look-back period. Wyoming’s look-back period is 10 years. Any additional offenses committed within this period may attract more penalties, which is meant to deter drivers from breaking the law.
Full Coverage
$794
Full Coverage
$1,521This is 92% more expensive.
After a DUI, insurers treat you as a high-risk driver since you are more likely to file claims. Your car insurance rates do increase significantly. You can use MoneyGeek’s auto insurance calculator below to obtain a personalized cost estimate and see how it changes after a DUI conviction.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 21, 2024
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Apart from the increased car insurance premium, a DUI has added expenses. The other DUI-related costs include:
While some auto insurance companies still offer car insurance after a DUI, others may deny coverage. Since these are private businesses, they can legally decide to cancel your policy or not renew it.
Getting car insurance after a DUI offense in Wyoming can be hard due to the 10-year look-back period. However, you can still find options by shopping around.
If convicted of a DUI in Wyoming, you must file an SR-22 form. The SR-22 is a document that the insurer submits to the DMV to prove that your policy meets the required minimum coverage. Filing the SR-22 comes with additional costs, including fees, and you may lose discounts.
Aside from paying a higher premium for car insurance after a DUI, you may also get penalized, spend time in jail or lose your driving privileges. In Wyoming, the charges and severity of penalties vary based on the number of offenses, age and blood alcohol content, among other factors.
Driving With a BAC at or Above 0.08% Is Considered a DUI
Blood alcohol content or BAC refers to the amount of alcohol in a person’s bloodstream.
In Wyoming, the DUI BAC threshold is 0.08% if you are 21 years or older, 0.02% if you are under 21 years and 0.04% if you have a commercial driving license. If you refuse to take the BAC test, you are charged with a DUI.
Driving With a BAC of 0.15% Will Result in Increased Penalties
If you have a BAC of 0.15% or more, you face additional penalties in Wyoming.
90-Day Administrative License Suspension on First Offense
If your BAC is 0.08% or above, your license is suspended for 90 days.
Ignition Interlock
Drivers with a BAC of 0.15% or higher and those with repeated convictions must install an ignition interlock in their car for a specified period. The ignition interlock device disables the car engine if alcohol is detected in the driver’s breath.
Will insurance cover me after a DUI in Wyoming? MoneyGeek responded to this and various other commonly asked questions about auto insurance after a DUI.
Your insurer may continue to cover you or cancel your policy after a DUI in Wyoming. There is no state law requiring insurers to continue offering coverage after a DUI. It is best if you ask your insurer directly.
After a DUI, the average car insurance rate increase in Wyoming is 91%. Full coverage car insurance costs around $794 without a DUI and $1,521 with a DUI conviction.
The cheapest car insurance provider after a DUI in Wyoming is State Farm. If you are looking for the best full coverage or minimum coverage car insurer in the state, State Farm is MoneyGeek’s top pick.
Wyoming has a look-back period of 10 years. That means your car insurance rates are affected for the duration.
Finding the best car insurance rates with a DUI can be challenging. MoneyGeek recommends comparing quotes across multiple providers to secure a policy that suits your needs.
To determine the top companies for individuals with DUIs in Wyoming, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
