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How a speeding ticket impacts your insurance in Wyoming

Speed limit 80 MPH sign on interstate 90 in Wyoming

On average, Wyoming residents pay $1,582 annually for full coverage car insurance. However, even a single speeding ticket can significantly increase your auto insurance rate. Drivers with one speeding ticket conviction see average rates 37 percent above the state average. Speeding tickets are fairly common, but understanding how they impact your car insurance rates may help you secure cheaper coverage even with a mark or two on your record.

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How much is a speeding ticket in Wyoming?

In Wyoming, the cost of a speeding ticket can vary depending on the circumstances of the violation. The state adheres to a basic speeding law, emphasizing the importance of driver discretion under different road conditions. For instance, adhering to the posted speed limit might not always be prudent, especially in adverse weather conditions like snow or ice. In cases where a driver is found guilty of breaching this fundamental speeding law, a standard fine of $85 is imposed. The cost of a Wyoming speeding ticket also fluctuates based on the severity of the infraction:

Miles per hours (mph) over speed limit Fines
1 to 5 mph over $5 for every mile over the speed limit
6 to 10 mph over $30 fine plus $2 for every mile over the speed limit
11 to 20 mph over $45 fine plus $5 for every mile over the speed limit
21 or more mph over $95 fine plus $5 for every mile over the speed limit

How much does a speeding ticket increase your car insurance in Wyoming?

Don’t be surprised if you see your car insurance rate increase at renewal after a speeding ticket. While most drivers will see a surcharge after conviction, the amount will depend on a few different factors. These include the driver’s age, gender, previous driving record, the type of vehicle they drive and the specific coverage options and limits they have selected. Different companies also weigh speeding tickets differently based on their proprietary rating algorithms.

Statistical data reveals that men generally face higher car insurance rates compared to women. This difference is largely due to the fact that men are more likely to engage in risky driving behavior. In fact, male fatalities on American roads are approximately double that of females, a factor that insurance companies consider when assessing risk and calculating premiums. The table below illustrates average premiums for men and women both before and after a speeding ticket in Wyoming.

Age Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
40-year-old male $1,626 $2,218 36%
40-year-old female $1,537 $2,115 38%
Total average $1,582 $2,166 37%

The average cost of car insurance for men is generally higher than it is for women, but women in Wyoming tend to see a higher percentage increase in their premium after a ticket. After a speeding ticket in Wyoming, the genders pay nearly the same amount for coverage. You may pay more or less than these average rates, though, depending on your unique rating factors.

How to lower your car insurance after a speeding ticket in Wyoming

Navigating car insurance rates after receiving a speeding ticket can be challenging, as premiums generally see an increase. However, drivers have several strategies at their disposal to potentially lower these costs, even with a Wyoming traffic ticket on their record. Exploring different insurance providers, bundling policies and reconsidering the type of car driven are all viable options to consider for cost savings. Each of these approaches offers unique benefits and could contribute to more favorable insurance premiums.

Get quotes from other car insurance companies

Getting quotes from other Wyoming insurance companies may save you money. This is because each insurance company uses a different rating method and penalizes speeding tickets by a different degree. The table below shows the average increase drivers can expect with their insurance provider after receiving a speeding ticket:

Car insurance company Average annual full coverage premium before speeding ticket Average annual full coverage premium after speeding ticket % increase
Allstate $1,918 $2,172 13%
Geico $1,977 $3,995 102%
State Farm $1,267 $1,370 8%

*Premiums are average annual full coverage premiums for 40-year-olds

While shopping around, you might also want to research customer complaints, discounts, coverage options, financial strength, and customer satisfaction scores to find the best car insurance provider for your needs.

Bundle your policies

Bundling multiple policies with the same insurance provider can be a strategic way to lower your overall insurance costs, particularly after a Wyoming traffic ticket. Many insurers offer attractive discounts to customers who choose to consolidate their insurance needs under one roof. The most common bundle is auto and home insurance. However, significant savings may also be available if you combine your car insurance with other types of policies such as renters, condo owners, life or even pet insurance.

This approach not only simplifies the management of your insurance but also potentially offers a more cost-effective solution. By exploring bundling options, you can take a proactive step in managing the financial impact of a speeding ticket on your car insurance premiums.

Consider the car you drive

The make and model of the car you drive impacts your premium. Different cars have different statistical likelihoods of accidents, different costs for parts and labor, and different safety features, all of which can affect how much you pay for car insurance. While getting a different car may not be the most practical way to save on car insurance, it could be a good option if you really need to lower your premium.

Frequently asked questions

    • The best car insurance company will vary based on each driver’s wants and needs. Even for drivers with speeding tickets, the best company won’t be the same for everyone. Understanding your preferences and needs and then getting quotes from several different carriers might help you find the right company for you.
    • It is important to inform your insurance company about any speeding tickets you receive. Failing to do so can result in the invalidation of your insurance policy, which may lead to future claims being rejected. However, if you choose to not tell your insurance provider, they will typically discover such incidents on their own either through a review of your Motor Vehicle Record (MVR) or the Comprehensive Loss Underwriting Exchange (C.L.U.E.) report during policy renewal. Maintaining transparency about your driving record with your insurer is not only critical for the validity of your policy but also in keeping a good rapport with the company.
    • You might always see a speeding ticket on your driving record, but your car insurance shouldn’t be affected indefinitely. Speeding tickets stay on your insurance record for three to five years in Wyoming, but the length of time can vary based on the insurance company you choose.
  • Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

    • $100,000 bodily injury liability per person
    • $300,000 bodily injury liability per accident
    • $50,000 property damage liability per accident
    • $100,000 uninsured motorist bodily injury per person
    • $300,000 uninsured motorist bodily injury per accident
    • $500 collision deductible
    • $500 comprehensive deductible

    To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

    These are sample rates and should only be used for comparative purposes.

    Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket.

    Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania.

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