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Cheapest car insurance in Worland, Wyoming (Nov 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Worland, Wyoming.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

Cheapest Car Insurance Quotes in Worland

On average, auto insurance in Worland costs about $46 per month for minimum coverage liability insurance and about $133 per month for full coverage insurance. Worland drivers pay -- than the average.  
While it would make insurance shopping much more straightforward, there’s not a single
car insurance
company that offers the cheapest rate for every single driver. That’s why comparing
car insurance quotes
online is one of the easiest ways to find Worland’s most affordable car insurance rates.
Jerry
Insurance Agency makes this process easy—and if you find the coverage you’re looking for at the right rate, we can even help you switch to your new policy.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$130
Brandon, 35
Zip: 82401
Dodge Journey GT
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Nov 23, 2024

Best Car Insurance Companies in Worland

At Jerry, we wanted to learn which car insurance providers offered the cheapest rates in Worland, Wyoming—so we conducted the largest insurance shopping survey in the country. 
We talked to more than 16,000 policyholders in more than 50 states about 87 insurance providers—and here’s what we learned: No one auto insurance company will offer everyone the cheapest rates. After all, different providers will weigh factors differently when calculating rates.
The easiest way to find the best deal on car insurance: Use a car insurance comparison website or app like Jerry.
Jerry is a
licensed insurance broker
that can help you find and compare car insurance quotes in one centralized location. If you find a policy option you like, our team of 100+ licensed insurance agents can answer your questions and help you switch to your new coverage—and
cancel your old one
.
After finding new policies through Jerry, here’s what these customers have to say about their experiences with various companies.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Travelers
4.5
4.2
4.4
4.5
AAA
4.2
4
3.8
4.4
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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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.

Best cheap car insurance quotes in Worland

All Worland drivers must meet the state’s minimum insurance requirements before getting behind the wheel. 
Wyoming law
requires car insurance policies to include minimum
liability coverage
. In many cases, adding
full coverage
or other coverage types to a policy is also beneficial.

Cheap minimum liability insurance quotes in Worland

Wyoming car insurance policies must meet the state’s minimum car insurance requirements. That includes the following coverage:
You may see these minimum liability coverage requirements referred to as 25/50/20.
Find out what other Wyoming drivers have paid for minimum liability insurance after finding a policy with Jerry.
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Ernest (38 years old)
coverageCoverage
State Minimum
locationWorland, WY
(Zip Code: 82401)
$67
per month
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Chester (32 years old)
coverageCoverage
State Minimum
locationWorland, WY
(Zip Code: 82401)
$53
per month

Do you need more than minimum coverage in Worland?

Even the best drivers can’t be utterly immune to the risk of an at-fault accident—and severe ones can easily exceed Wyoming’s minimum liability coverage limits. Also, remember that liability insurance covers the costs for the other party involved in an accident but doesn’t cover you and your vehicle.
Insurance experts recommend choosing higher liability limits than state-required minimums for better financial protection, such as 50/100/50 or 100/300/100.

Cheap full coverage car insurance quotes in Worland

Liability coverage won’t protect your vehicle, but
comprehensive
and
collision coverage
can.
Often referred to together as full coverage, these two coverage types will pay to repair or replace your vehicle after various types of incidents:
  • Collision coverage: Applies to damages after a collision with another vehicle or object
  • Comprehensive coverage: Applies to damage caused by a range of other types of events, such as severe weather, theft, vandalism, or hitting an animal
If you have a car loan: Although not legally required, car loan lenders commonly require that you keep full coverage on your policy for the duration of your loan.
These are rates Jerry users have found for full coverage policies in Worland.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$130
Brandon, 35
Zip: 82401
Dodge Journey GT
coverageLast Updated Nov 23, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Worland

In helping hundreds of Worland drivers find cheaper rates, we found the average cost for minimum liability coverage to be $46 per month or $555 per year. The average cost for full coverage insurance in Worland is $133, which totals about $1,593 per year.
Keep in mind: While Worland car insurance costs tend to fall below the national average, your premium will largely depend on factors that are specific to your unique driver profile—like your zip code, the vehicle you drive, your
driving record
, your demographics, the coverage level you choose, and more.

Car insurance quotes in Worland by rating factors 

Car insurance providers in Worland will consider several factors when
calculating your premium
, including: 
  • Your driving record: Good drivers with
    clean driving records
    will easily find a cheap auto insurance policy.
  • Your claims history: Policyholders are statistically more likely to file an insurance claim again if they’ve filed one in the past, so they may pay a higher rate.
  • Where you live: Your zip code’s population, accident rates, crime rates, and risk for natural disasters can influence the cost of your car insurance premium.
  • Your credit score: Drivers with higher
    credit scores
    often get lower car insurance rates than drivers with poor credit.
  • What vehicle you drive: Full coverage typically costs more for luxury, sports, or high-value cars.
  • How you use your car: The car you drive for your daily commute will usually cost more to insure than one you only take out on the weekends.

How do different factors impact your car insurance costs in Worland?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Worland currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Worland:

Cheap car insurance quotes in Worland after driving violations

It’s common for car insurance rates to rise after a driving infraction, but how steep that rate increase is might depend on the severity of the offense. If you’re facing a premium increase, shopping around for quotes could help you find a cheaper option.
Some of the most common traffic violations that can affect your car insurance rates include:

Cheapest car insurance in Worland after speeding ticket

Speeding tickets
can cause your car insurance rate to rise—but a speeding ticket for seven mph over the speed limit might not cut into your budget as much as a ticket for driving 20 mph over the speed limit.
Check out the table below for real-life examples of how Jerry helped Worland drivers with speeding tickets save on car insurance. 
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Progressive
$69
Jessie, 31
Zip: 82401
Lexus GS
• State Minimum Liability
Speeding 6-10
AAA
$65
Curtis, 32
Zip: 82401
Ford Taurus
• 100,000/300,000 Liability
coverageLast Updated Nov 20, 2024

Cheapest car insurance in Worland after speeding ticket

Speeding tickets
can cause your car insurance rate to rise—but a speeding ticket for seven mph over the speed limit might not cut into your budget as much as a ticket for driving 20 mph over the speed limit.
Check out the table below for real-life examples of how Jerry helped Worland drivers with speeding tickets save on car insurance. 
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Cora (41 years old)
coverageCoverage
State Minimum
locationWorland, WY
(Zip Code: 82401)
$58
per month
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Eva (45 years old)
coverageCoverage
State Minimum
locationWorland, WY
(Zip Code: 82401)
$68
per month

Cheapest car insurance in Worland after an at-fault accident

At-fault accidents can put your Worland car insurance costs on the rise—especially if injuries result from the collision.
Shopping around for quotes after an at-fault accident could help you find more affordable coverage options. Check out the table below to see how Jerry helped Worland drivers.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Safeco
$63
Myra, 33
Zip: 82401
Porsche Macan
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Travelers
$70
Adam, 30
Zip: 82401
Infiniti G35
• State Minimum Liability
coverageLast Updated Nov 20, 2024

Cheapest car insurance in Worland after other driving violations

How much a violation on your driving record impacts your insurance costs largely depends on the severity of the violation. 
From driving on a suspended license to failure to yield, here’s a look at what Worland drivers pay for insurance after various violations.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Safeco
$80
Andrew, 35
Zip: 82401
Audi RS5
• 100,000/300,000 Liability
• Comp / Collision
Defective Equipment
Travelers
$54
Christine, 36
Zip: 82401
Saturn SKY
• State Minimum Liability
• Comp / Collision
coverageLast Updated Nov 22, 2024

Cheap car insurance quotes in Worland by age

How much you pay for car insurance in Worland depends on age.
Young drivers
see the highest average car insurance rates. But for safe drivers, those costs gradually decrease as they continue building experience behind the wheel. 
As drivers reach their mid-seventies, average premium costs increase—but still not as drastically as teen car insurance rates.

Cheapest car insurance in Worland for young drivers

Thanks to a higher accident risk, drivers ages 16 to 19 typically see some of the highest car insurance rates of any age demographic.
That makes full coverage a worthwhile consideration for vehicles being used by young drivers—especially if they’re newer or carry a higher value.
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Minerva (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationWorland, WY
(Zip Code: 82401)
$51
per month
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Hulda (19 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationWorland, WY
(Zip Code: 82401)
$69
per month

Cheapest car insurance in Worland for senior drivers

Due to elevated accident risks and the likelihood of severe injuries when accidents occur, car insurance costs increase over time for
senior drivers
Find out what rates senior drivers in Worland are finding with Jerry’s help.
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Lida (70 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationWorland, WY
(Zip Code: 82401)
$71
per month
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Josie (74 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationWorland, WY
(Zip Code: 82401)
$72
per month

Cheap car insurance quotes in Worland based on insurance history

Your auto insurance history will influence your future premiums. Maintaining continuous coverage over a long period will make you a lower risk and help you secure a lower rate.
On the other hand, if you’ve had one or more
car insurance coverage lapses,
you might have to pay more for your coverage. 
If you’re car insurance shopping for the first time, choosing a policy that’s within your budget and meets your coverage needs will give you a helpful head start on finding lower rates in the future.
Because on-time payments are essential to keep your coverage active, Jerry can send customers payment reminders and even late payment warnings.
Check out what other Worland drivers are paying for car insurance based on their insurance status.
card cover
Michael (34 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationWorland, WY
(Zip Code: 82401)
carDodge Journey GT
$130
per month
card cover
Amanda (34 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationWorland, WY
(Zip Code: 82401)
carDodge Journey GT
$146
per month
card cover
Lawrence (34 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationWorland, WY
(Zip Code: 82401)
carDodge Journey GT
$146
per month
card cover
Beulah (34 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationWorland, WY
(Zip Code: 82401)
carDodge Journey GT
$130
per month
card cover
Randall (34 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationWorland, WY
(Zip Code: 82401)
carDodge Journey GT
$146
per month

How to lower car insurance costs in Worland

If you’re looking to lower your Wyoming car insurance costs, take note of these tips from Jerry’s team of licensed insurance agents:
  1. Shop around
    and compare multiple quotes.
  2. Take advantage of available
    car insurance discounts
    —like good student discounts, safe driver discounts, occupational discounts, or low mileage discounts.
  3. Bundle your car insurance
    with other policies, like homeowners or renter’s insurance.
  4. Consider raising your deductibles for comprehensive and collision coverage.
  5. Improve your credit score.
  6. Take an approved
    defensive driving course
    .
  7. Consider dropping collision and comprehensive coverage on older or low-value cars. 

Why is car insurance in Worland so expensive?

In addition to the factors within your control, the following are some additional factors that can make Worland car insurance costs higher:
  • High-population density cities 
  • Uninsured drivers 
  • Healthcare costs
  • Rising vehicle repair costs
  • Area accident and crime rates
  • Severe weather risks

FAQ

People living in Worland pay on average $46 per month – or $555 per year – on state-minimum liability coverage. Full coverage in Worland costs on average $133 per month of $1,593 per year. 
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free. 
Based on thousands of Worland drivers Jerry has worked with, car insurance in Worland costs an average of $46 per month for state-minimum coverage and $133 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Nationwide, Progressive, and State Farm receive good ratings from Worland drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
The state-minimum car insurance in Worland, Wyoming is as follows:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident
These coverages are commonly referred to as 25/50/20 coverage.

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

avatar
R.E. Fulton
badge icon
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.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
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.
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Josh Damico
badge icon
Head Of Insurance Operations
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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.