Compare Lucerne, WY Car Insurance Rates (2021)

Car insurance in Lucerne, WY averages $249 a month. Lucerne, Wyoming car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Lucerne car insurance rates, compare quotes from the top car insurance companies in Lucerne, WY.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Lucerne is Liberty Mutual
  • The cheapest car insurance company in Lucerne for teen drivers is Liberty Mutual
  • Average car insurance rates in Lucerne, WY are $2,993/year

If you need to buy Lucerne, Wyoming car insurance, the options can be confusing. Everything you need to know about car insurance in Lucerne, WY is right here.

You’ll find Lucerne car insurance rates, the cheapest Lucerne, WY car insurance companies, and information on Wyoming car insurance laws. You can also compare Lucerne, Wyoming car insurance rates to Cheyenne car insurance rates, Torrington car insurance rates, and Laramie car insurance rates.

Ready to find affordable Lucerne, WY car insurance today? Enter your ZIP code for fast, free Lucerne car insurance quotes.

Cheapest Lucerne, WY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lucerne, WY car insurance rates? Every Lucerne, Wyoming car insurance company weighs these factors differently, so check out the comparison 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

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Minimum Car Insurance in Lucerne, WY

Every driver must carry the minimum car insurance in Lucerne, WY. Take a look at the Wyoming car insurance requirements.

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

Cheapest Lucerne, WY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lucerne, WY. Compare credit history car insurance rates in Lucerne from top companies for good, fair, and poor credit.

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

Cheapest Lucerne, WY Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lucerne, WY to rates for a clean record with top companies.

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

Cheapest Lucerne, WY Car Insurance for Teen Drivers

Teen car insurance in Lucerne, WY can be expensive. Take a look at rates from the top car insurance companies in Lucerne for teenagers.

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

Cheapest Lucerne, WY Car Insurance for Seniors

Take a look at Lucerne, WY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

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

Cheapest Lucerne, WY Car Insurance Rates After a DUI

A DUI in Lucerne, WY increases car insurance rates. Compare Lucerne, Wyoming DUI car insurance by company to find the cheapest option.

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

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Cheapest Lucerne, WY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lucerne, WY by commute? Take a look at a comparison of the top companies by commute length.

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

The Best Cheap Car Insurance Companies in Lucerne, WY

Take a look at a side-by-side comparison of the top car insurance companies in Lucerne, WY to find the best option for 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

Category Winners: Cheapest Car Insurance in Lucerne, Wyoming

Find the cheapest car insurance companies in Lucerne, WY for each category right here.

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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Cheapest Lucerne, WY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lucerne car insurance rates. Find the cheapest Lucerne, WY car insurance rates by coverage level.

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

What affects car insurance rates in Lucerne, Wyoming?

What factors can have an impact on Lucerne, WY car insurance? There are several reasons why Lucerne car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lucerne, Wyoming.

Commute Time in Lucerne

The more time you spend in your car the higher the risk of an accident. The average commute length in Lucerne, WY is 25.9 minutes according to City-Data.

Traffic in Lucerne

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lucerne, WY traffic data from INRIX ranks Lucerne as the 326th-most congested in the world.

Compare Car Insurance Quotes in Lucerne, WY

Ready to find affordable Lucerne, Wyoming car insurance today? Enter your ZIP code for fast, free Lucerne, WY car insurance quotes.

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Average Monthly Car Insurance Rates by State