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 Opal, WY are $253/month
  • The cheapest car insurance company in Opal for teen drivers is Liberty Mutual
  • Average car insurance rates in Opal, WY for senior drivers are $1,839/year

Average car insurance rates in Opal, Wyoming are $253 a month. But with a little research you can get a great deal from the top car insurance companies in Opal, WY. Before you buy Opal, Wyoming car insurance, make sure your coverage meets or exceeds the Wyoming minimum of 25/50/20.

It may even be helpful to compare Opal car insurance rates with Cody car insurance rates, Torrington car insurance rates, or Gillette car insurance rates to make sure you’re getting the best Opal, WY car insurance quotes available.

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

Opal, WY Minimum Car Insurance Coverage

Opal, 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 Opal, 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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Opal, WY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Opal, Wyoming

Insurance Company Low Medium High
Allstate $4,223 $4,322 $4,447
Farmers $2,946 $3,016 $3,099
GEICO $3,542 $3,594 $3,638
Liberty Mutual $2,058 $2,142 $2,245
State Farm $2,225 $2,297 $2,367
USAA $2,733 $2,793 $2,859

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Opal, 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 $2,514 $2,648 $2,109 $2,302 $8,463 $10,718 $2,808 $3,086
Farmers $2,228 $2,228 $2,095 $2,095 $4,041 $6,853 $2,311 $2,311
GEICO $2,769 $2,824 $2,679 $2,679 $4,987 $6,467 $3,076 $3,248
Liberty Mutual $1,462 $1,470 $1,193 $1,375 $3,916 $4,397 $1,592 $1,782
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

Opal, WY Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Opal, Wyoming

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,463 $10,718
Farmers $4,041 $6,853
GEICO $4,987 $6,467
Liberty Mutual $3,916 $4,397
State Farm $4,019 $5,352
USAA $5,076 $6,270

Opal, WY Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Opal, Wyoming

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,109 $2,302
Farmers $2,095 $2,095
GEICO $2,679 $2,679
Liberty Mutual $1,193 $1,375
State Farm $1,290 $1,290
USAA $1,444 $1,516

Opal, WY Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Opal, Wyoming

Insurance Company Poor Fair Good
Allstate $5,404 $4,099 $3,489
Farmers $3,239 $3,057 $2,765
GEICO $4,065 $3,456 $3,253
Liberty Mutual $2,438 $2,113 $1,894
State Farm $2,988 $2,117 $1,783
USAA $4,749 $2,134 $1,502

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Opal, WY Car Insurance Rates by Driver History

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

Annual Opal, Wyoming Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,745 $4,461 $4,772 $4,346
Farmers $2,290 $2,707 $4,656 $2,429
GEICO $2,353 $3,144 $4,918 $3,950
Liberty Mutual $1,535 $2,360 $2,558 $2,139
State Farm $2,127 $2,465 $2,296 $2,296
USAA $2,198 $2,664 $3,922 $2,396

Opal, WY Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Opal, Wyoming

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,772
Farmers $4,656
GEICO $4,918
Liberty Mutual $2,558
State Farm $2,296
USAA $3,922

Opal, WY Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Opal, Wyoming

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,229 $4,433
Farmers $3,020 $3,020
GEICO $3,534 $3,649
Liberty Mutual $2,148 $2,148
State Farm $2,215 $2,377
USAA $2,762 $2,827

Opal, WY Cheapest Car Insurance Rates

How do the top Opal, Wyoming car insurance companies’ average rates stack up against the Opal average monthly car insurance rates of $253? Take a look and see.

Best Annual Car Insurance Rates by Company in Opal, 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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Opal, WY Top Car Insurance Companies

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

Average Annual Car Insurance Rates by Company in Opal, Wyoming

Insurance Company Average Annual Rates
Allstate $4,331
Farmers $3,020
GEICO $3,591
Liberty Mutual $2,148
State Farm $2,296
USAA $2,795

Other Factors Affecting Opal, WY Car Insurance Rates

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

Opal, WY Commute Time

How does your Opal, WY commute time compare with the average driver? In Opal, the average commute is 30.7 minutes.

Opal, WY Car Insurance Quotes

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