Gianetta Palmer is a writer for CarInsurance101.com, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • Average car insurance rates in Lucerne, WY are $249/month
  • The cheapest car insurance company in Lucerne for teen drivers is Liberty Mutual
  • The cheapest car insurance company in Lucerne after a DUI is State Farm

Average car insurance rates in Lucerne, Wyoming are $249 a month. But with a little research you can get a great deal from the top car insurance companies in Lucerne, WY. Before you buy Lucerne, Wyoming car insurance, make sure your coverage meets or exceeds the Wyoming minimum of 25/50/20.

It may even be helpful to compare Lucerne car insurance rates with Laramie car insurance rates, Rawlins car insurance rates, or Sheridan car insurance rates to make sure you’re getting the best Lucerne, WY car insurance quotes available.

Need affordable Lucerne, WY car insurance? Enter your ZIP code to compare Lucerne car insurance quotes from multiple car insurance companies near you.

Lucerne, WY Minimum Car Insurance Coverage

Lucerne, Wyoming law requires drivers carry a minimum of 25/50/20 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Lucerne, Wyoming

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Lucerne, WY Car Insurance Rates by Coverage Level

Some Lucerne drivers can get by with the Wyoming minimum coverage of 25/50/20. Other drivers may need more. See how much your Lucerne, Wyoming car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Lucerne, Wyoming

Insurance Company Low Medium High
Allstate $4,185 $4,285 $4,410
Farmers $2,948 $3,014 $3,092
GEICO $3,542 $3,594 $3,638
Liberty Mutual $1,894 $1,961 $2,048
State Farm $2,225 $2,297 $2,367
USAA $2,733 $2,793 $2,859

Lucerne, WY Car Insurance Rates by Age, Gender, and Marital Status

Lucerne, Wyoming car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lucerne, WY car insurance, get quotes from multiple car insurance companies in the Lucerne area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lucerne, Wyoming

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,488 $2,620 $2,090 $2,279 $8,401 $10,638 $2,778 $3,052
Farmers $2,225 $2,225 $2,092 $2,092 $4,049 $6,842 $2,309 $2,309
GEICO $2,769 $2,824 $2,679 $2,679 $4,987 $6,467 $3,076 $3,248
Liberty Mutual $1,394 $1,395 $1,132 $1,298 $3,470 $3,895 $1,491 $1,662
State Farm $1,500 $1,500 $1,290 $1,290 $4,019 $5,352 $1,563 $1,855
USAA $1,667 $1,674 $1,444 $1,516 $5,076 $6,270 $2,208 $2,503

Lucerne, WY Car Insurance Rates for Teens

How much is Lucerne, Wyoming car insurance for teens? Compare rates from top Lucerne car insurance companies below to help find the cheapest teen car insurance in Lucerne, WY.

Annual Car Insurance Rates for Teen Drivers in Lucerne, Wyoming

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,401 $10,638
Farmers $4,049 $6,842
GEICO $4,987 $6,467
Liberty Mutual $3,470 $3,895
State Farm $4,019 $5,352
USAA $5,076 $6,270

Lucerne, WY Car Insurance Rates for Seniors

Before seniors buy Lucerne, Wyoming car insurance, they should make sure to shop around. Some Lucerne, WY car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Lucerne, Wyoming

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,090 $2,279
Farmers $2,092 $2,092
GEICO $2,679 $2,679
Liberty Mutual $1,132 $1,298
State Farm $1,290 $1,290
USAA $1,444 $1,516

Lucerne, WY Car Insurance Rates by Credit History

How does your credit history affect Lucerne, WY car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Lucerne, Wyoming

Insurance Company Poor Fair Good
Allstate $5,356 $4,064 $3,459
Farmers $3,236 $3,054 $2,763
GEICO $4,065 $3,456 $3,253
Liberty Mutual $2,228 $1,938 $1,736
State Farm $2,988 $2,117 $1,783
USAA $4,749 $2,134 $1,502

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Lucerne, WY Car Insurance Rates by Driver History

How does a single speeding ticket affect your Lucerne, Wyoming car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Lucerne.

Annual Lucerne, Wyoming Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,711 $4,421 $4,732 $4,309
Farmers $2,284 $2,704 $4,660 $2,424
GEICO $2,353 $3,144 $4,918 $3,950
Liberty Mutual $1,426 $2,154 $2,325 $1,964
State Farm $2,127 $2,465 $2,296 $2,296
USAA $2,198 $2,664 $3,922 $2,396

Lucerne, WY Car Insurance Rates With a DUI

Even a single DUI can increase your Lucerne, WY car insurance rates. Compare rates below to see which Lucerne car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Lucerne, Wyoming

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,732
Farmers $4,660
GEICO $4,918
Liberty Mutual $2,325
State Farm $2,296
USAA $3,922

Lucerne, WY Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Lucerne, WY car insurance rates may be. Let’s take a look at average car insurance rates from top Lucerne companies based on commute time.

Annual Car Insurance Rates by Commute Length in Lucerne, Wyoming

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,192 $4,394
Farmers $3,018 $3,018
GEICO $3,534 $3,649
Liberty Mutual $1,967 $1,967
State Farm $2,215 $2,377
USAA $2,762 $2,827

Lucerne, WY Cheapest Car Insurance Rates

How do the top Lucerne, Wyoming car insurance companies’ average rates stack up against the Lucerne average monthly car insurance rates of $249? Take a look and see.

Best Annual Car Insurance Rates by Company in Lucerne, Wyoming

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record Liberty Mutual
With 1 Accident Liberty Mutual
With 1 DUI State Farm
With 1 Speeding Violation Liberty Mutual

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Lucerne, WY Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Lucerne, Wyoming car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Lucerne, Wyoming

Insurance Company Average Annual Rates
Allstate $4,293
Farmers $3,018
GEICO $3,591
Liberty Mutual $1,967
State Farm $2,296
USAA $2,795

Other Factors Affecting Lucerne, WY Car Insurance Rates

Before you buy Lucerne, Wyoming car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Lucerne, WY Commute Time

How does your Lucerne, WY commute time compare with the average driver? In Lucerne, the average commute is 25.9 minutes.

Lucerne, WY Traffic

Spending time in Lucerne traffic can lead to higher car insurance rates. According to INRIX data, Lucerne, WY ranks as the 326th-most congested with traffic in the world.

Lucerne, WY Car Insurance Quotes

Compare Lucerne, WY car insurance quotes from multiple companies by entering your ZIP code now.