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Jerry Data & Research
Cheapest car insurance in Cody, Wyoming (Nov 2024)
Cheapest car insurance in Cody, Wyoming (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Cody, Wyoming.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Best car insurance companies in Cody
- Cheapest car insurance quotes in Cody
- Best cheap car insurance quotes in Cody
- Car insurance quotes in Cody by rating factors
- How do different factors impact your car insurance costs in Cody?
- Cheap car insurance quotes in Cody after driving violations
- Cheap car insurance quotes in Cody by age
- Cheap car insurance quotes in Cody based on insurance history
- Cheap car insurance quotes in Cody for popular cars
- How to lower car insurance costs in Cody
- FAQ
- Methodology
- Meet our experts
Load full table of contents
Best car insurance companies in Cody
No single company is the “best” because auto insurance rates vary dramatically from one driver to the next. Each company has its own formula for weighing factors and determining rates.
You may find a good rate through
Allstate
in Cody WY or Farmers Insurance, but your neighbor may get a better rate with Progressive.Jerry surveyed more than 16,000 policyholders to find out which providers ranked highest across a variety of factors. The survey included 87 companies, along with questions about
State Farm
in Cody WY, other major providers, and smaller regional companies. Here’s what real Cody policyholders rated some of the top providers in Wyoming, and their average full and minimum coverage costs:
Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry score |
|---|---|---|---|---|
$10 | $83 | 4.0 | 4.2 | |
$17 | $82 | 4.2 | 4.4 | |
$21 | $96 | 3.4 | 3.9 | |
$23 | $92 | 3.8 | 4.2 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Cheapest car insurance quotes in Cody
In Cody, car insurance premiums average about $16 per month for minimum liability and $87 per month for full coverage plans. Notably, local drivers pay on par with the state average, and 60% less than the national average.
There’s simply no single company that offers the best rates to all Cody drivers. In reality, drivers are highly unique. A comparison app like Jerry is the easiest way to find the lowest rate for you, where you can view custom quotes and sign up for coverage with free help from licensed brokers.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $64 | William, 30 Zip: 82414 | Dodge Durango R/T | • State Minimum Liability • Comp / Collision |
| Safeco | $104 | Vera, 44 Zip: 82414 | Toyota Tundra Crewmax Limited | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 18, 2024Best cheap car insurance quotes in Cody
According to
Wyoming law
, all drivers must carry state minimum liability coverage
. Many Cody drivers choose to enhance their protection with full coverage or other types of coverage, too.Cheap minimum liability insurance quotes in Cody
All Wyoming car insurance policies must adhere to the state's minimum requirements.
Liability limits in Cody include the following:
- $50,000 for bodily injury liability per accident
These coverage requirements are often referred to as 25/50/20.
Minimum coverage is available at affordable rates, as you can see from the real premiums Jerry uncovered below.
William (30 years old)
$64
per month
Do you need more than minimum coverage in Cody?
Even the most skillful drivers can get into an accident, and serious accidents in Wyoming can cost far more than the limits of a state minimum policy.
Liability vehicle insurance is the legal minimum, but it only covers costs for the other party—and only up the policy’s limits. It doesn’t cover anything beyond that limit, even though you’re legally on the hook for damage in an
at-fault accident
. It also doesn’t cover damages to you or your vehicle. For more protection, experts recommend upping your liability coverage levels to 50/100/50 or 100/300/100. To protect your own vehicle, you’ll need full coverage.
Cheap full coverage car insurance quotes in Cody
Full coverage
includes comprehensive and collision coverage. These pay to repair or replace your vehicle after covered accidents.- Comprehensivecoverage: When your car suffers damage from severe weather, theft, vandalism, or encounters with animals.
Along with a full coverage policy, you’ll gain access to additional insurance products, including
roadside assistance
and rental reimbursement
. If you've got a car loan, be aware that lenders can require you to maintain full coverage until the loan is paid off—even though the state law doesn’t require full coverage. Jerry users have found full coverage at affordable rates in Cody for their insurance needs. Check it out below.
Finding the cheapest car insurance is super easy with
Jerry
. Get the app, enter your info, and compare custom quotes for free with support from 100+ dedicated licensed insurance agents.| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $64 | William, 30 Zip: 82414 | Dodge Durango R/T |
• 100,000/100,000 Liability • Comp / Collision | Nationwide | $121 | Martin, 44 Zip: 82414 | Toyota Tundra Crewmax Limited |
Last Updated Nov 18, 2024
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Cody
The typical cost for basic coverage in Cody is around $16 each month or $189 each year. For a full coverage policy, costs change to $87 per month, or $1,049 annually.
Just a little heads up: Even though Cody's car insurance costs are significantly lower than the national average, what you pay depends a lot on your own personal details. Your driver profile is totally unique—like where you live, the car you drive, your driving history, and more.
Car insurance quotes in Cody by rating factors
When
determining your car insurance costs
in Cody, insurers take various factors into account. Some are weighed more heavily than others, but these factors all have an impact on your rate:- Type of car: Luxury cars, sports cars, or high-value vehicles typically incur higher costs for full coverage.
- Usage: Daily commuting tends to result in higher insurance costs compared to occasional weekend driving.
- Driving record: A cleanWyoming driving recordmeans you're likely to get a more affordable policy. However, a history of previous claims might result in a higher premium in Cody.
- Claims history: Filing a lot of claims signals that you’re a high-risk driver, and you’ll probably face higher than average rates.
- Location: The population density, accident rates, crime statistics, and the risk of natural disasters in your zip code can all influence the cost of your car insurance.
- Credit score: Drivers with higher credit scores generally enjoy lower car insurance rates compared to those with lower scores.
How do different factors impact your car insurance costs in Cody?
How do different factors impact your car insurance costs in Cody?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Cody currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Cody:
Cheap car insurance quotes in Cody after driving violations
Slip-ups behind the wheel can hike up your car insurance rates. The price increase depends on the severity of the violation.
Here’s the list of violations that could mess with your rates:
If you're hit with a higher premium when it’s time for your policy renewal, you can shop around for quotes to look for a more budget-friendly option.
Cheapest car insurance in Cody after speeding ticket
Traveling over the speed limit is guaranteed to put a dent in your car insurance rate. A ticket for going seven MPH over the limit may not hit your wallet as hard as a ticket for blasting 20 MPH over.
Here are some real-life examples of Cody drivers with
Wyoming speeding tickets
who used Jerry to find affordable rates on coverage.Last Updated Nov 21, 2024Cheapest car insurance in Cody after an at-fault accident
Causing an at-fault accident could bump up your car insurance costs in Cody, especially if it's a serious fender-bender with injuries.
After an at-fault accident, Cody drivers are using Jerry to scout different quotes and find cheaper rates. Take a look at these costs.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Not At Fault | Progressive | $64 | Ethan, 30 Zip: 82414 | Dodge Durango R/T | • State Minimum Liability • Comp / Collision |
Last Updated Nov 17, 2024Cheapest car insurance in Cody after other driving violations
The extent to which a violation affects your costs is predominantly based on the severity of the infraction.
From driving on a suspended license to rolling through a stop sign, take a look at the insurance costs for Cody drivers following various traffic violations.
Last Updated Nov 17, 2024Cheap car insurance quotes in Cody by age
Young drivers tend to pay higher rates for coverage options, in Cody and elsewhere. This typically changes around age 25 after a few years of safe driving.
As you clock in more miles, you’ll save money—but your rates will increase again around age 75.
Cheapest car insurance in Cody for young drivers
Drivers between 16 and 19 face some of the steepest car insurance rates across age groups. That’s because their risk of accidents is higher.
Young drivers
with new cars or expensive cars should consider full coverage for more protection.
Cheapest car insurance in Cody for senior drivers
Car insurance costs tend to increase for senior drivers in Cody, especially after age 75. Older drivers face higher rates of accidents and lengthier recoveries after being injured.
Cheap car insurance quotes in Cody based on insurance history
Your car insurance history is very important to companies. If you've been keeping coverage consistently, you're seen as less risky—which can help you snag lower rates.
Paying on time is crucial to keeping your insurance coverage active. Jerry helps drivers pay on time with helpful reminders, so you can avoid future lapses.
Here’s what drivers in Cody are paying based on their insurance status.
Lela (30 years old)
$64
per month
Irene (43 years old)
Currently Insured
Coverage100,000 per person
100,000 per accident bodily injury
Comp / Collision
Cody, WY (Zip Code: 82414)
$121
per month
Nathaniel (30 years old)
$64
per month
Sadie (43 years old)
Currently Insured
Coverage100,000 per person
100,000 per accident bodily injury
Comp / Collision
Cody, WY (Zip Code: 82414)
$121
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Very prompt and quick with quoting policies fast and efficient
Mosel
Cheapest insurance I've had and offers similar benefits to the previous ones I've had. I do wish Nationwide offered glass coverage though.
Stephen
Aaa has been great to work with. We have had no issues .
Neil
I find it comforting to not to second guess my policy and the insurance company
Frantz
Cheap car insurance quotes in Cody for popular cars
Your make and model affect your insurance costs. That’s because each model has a unique risk profile based on its age, safety, theft risk, and repair costs.
Check out the most popular models among Wyoming drivers:
Last Updated Nov 21, 2024How to lower car insurance costs in Cody
Try these tips to get cheaper car insurance in Wyoming:
- Don't settle—explore andcompare quotesfrom various sources using an insurance agency or insurance broker, like Jerry.
- Grab thosediscounts—whether it's for good grades, driving safely, professional association membership, or being a low-mileage driver.
- Bundle up! Tie your car insurance with other plans, like your home insurance or renters insurance to save on both policies.
- Boost your deductibles for comprehensive and collision coverage, if you can afford the higher out-of-payment cost.
- Improve your credit score.
- Older cars may not need collision and comprehensive coverage, so you can drop it and save money.
Why is car insurance in Cody so expensive?
While your driving habits matter, there are external factors that may also affect rates in Cody.
- Number of uninsured drivers
- High costs of repairs and healthcare
- Crime rates and traffic accident rates
- High population density compared to rest of state
- Weather patterns
FAQ
How much is car insurance in Cody?
Cody residents typically pay about $16 per month or $189 annually for state-minimum liability coverage. Full coverage is approximately $87 per month, or $1,049 a year. For accurate estimates, shop around with the free Jerry app.
What is the cheapest car insurance in Cody?
While the average rate is about $16 per month for minimum coverage and $87 per month for full coverage, there’s no guaranteed cheapest company for all Cody drivers. Using the Jerry app, you can quickly find the cheapest rate for your specific driver profile.
What is the best car insurance in Cody?
If “best” means lowest price, you’ll have to shop around. But if you’re looking for the best overall (customer service, claims handling, and policy cost), then consider Nationwide, Progressive, and State Farm, which all earned high ratings according to the nation’s largest car insurance survey.
What is the minimum car insurance in Cody, Wyoming?
All drivers in Cody must carry at least 25/50/20 liability coverage. That’s $25,000 per person and $50,000 per accident of bodily injury liability and $20,000 per accident of property damage liability.
How much is car insurance per month in Wyoming?
The average Wyoming driver pays between $30 and $89 for coverage, depending on the company and coverage level they select. If you file claims, cause accidents, or get tickets, your rate may increase at the new policy renewal.
Do I need car insurance in Wyoming?
Car insurance is mandatory in Wyoming. You must carry at least 25/50/20 in liability coverage and be able to show proof of coverage.
Is Wyoming a no-fault state?
Wyoming is an at-fault state, which means that if you cause an accident you must pay for the injuries and damages resulting from that accident.
What is the grace period for car insurance in Wyoming?
You may have anywhere between three and 30 days of grace period coverage when you buy a new car. This means that your new vehicle is temporarily covered with the same policies and limits that your old car had. You must still register this new vehicle for coverage, as retaining coverage is not automatic.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.