How a Speeding Ticket Impacts Your Insurance in Wyoming

On average, the increase after a speeding ticket for car insurance in Wyoming is 33 percent. On average, you’ll see the lowest increases with Farmers and State Farm, and the highest increases with GEICO. Comparing quotes is necessary to find the lowest rates for you, but check out these averages below.

Note that not all speeding violations go on your record. And if they’re not on your record, they can’t affect your rates. You won’t receive any changes to your record if you were driving up to 80 miles per hour (mph) in a 65 to 75 zone or less than 6 mph over the limit. Note that this doesn’t apply to commercial drivers or violations that occurred in a school or construction zone.¹

Although Wyoming doesn’t have a specific program for high-risk drivers, you can lower your rates by getting minimum coverage and taking advantage of your insurance provider’s discounts.

Choose Minimum Coverage

In Wyoming, you’re required to have $25,000 of bodily injury liability coverage per person and $50,000 per accident, plus $20,000 of property damage liability coverage per accident. Having only $95,000 of liability coverage total will yield you the lowest rates, no matter which provider you go with.

In 2020, the average annual cost of liability insurance in Wyoming was only $343, the fourth-lowest rate in the U.S. Compare that to $770 in Wyoming for full coverage car insurance, which includes medical payments, comprehensive, and collision coverage, and you’re looking at savings of $427!²

The penalties for speeding in Wyoming include fines, plus additional court fees and other costs, which vary based on the location where the violation took place. You’ll also receive three points on your driving record, which will stay there for three years, in most cases (see exceptions above).

Not in a School or Construction Zones

Penalties are less serious if you weren’t driving in a school or construction zone.

School Zone

However, fines start to increase if you speed in a school zone, a place where children are around and could get injured or even killed by a speeding driver.

Construction Zone

You’ll also see higher penalties for speeding in a construction zone, according to Wyoming’s Motor Vehicle Code.

You have two options after a speeding ticket: Pay the fine or appeal the charge.

Pay Fine

The easiest option is simply to pay the fine, either online (https://www.citepayusa.com/payments/welcome.do) or over the phone (1-833-660-1879). If you pay online, you can use any of the following payment methods:

• Debit card
• Discover
• E-check
• Mastercard
• Visa³

Appeal Fine

If you feel that you did not violate the speed limit, you can appeal the fine by filing a notice of appeal with the trial court clerk. Note that you’ll have to pay a filing fee, and if you’re found guilty, you’ll still have to pay the fine, so appealing is typically not worth it.

Speeding isn’t the only violation that causes higher insurance rates. Avoid other violations, including:

• Driving without insurance
• Driving under the influence
• Leaving the scene of an accident with an injury
• Reckless driving
• Vehicular homicide
• Transporting liquor to a minor⁴

Given that 4 out of 10 fatal motor vehicle crashes in Wyoming involve speeding, that should be reason enough to avoid it. But if it isn’t, the higher car insurance rates, points, fines, and other costs should deter you. When in doubt, check for the nearest posted speed limit and obey it, as speed limits exist for your safety.