Commercial Auto Insurance Wyoming

contractor insurance

Whether you have one vehicle or many, you need to get commercial auto insurance in Wyoming. business owner’s policy is not enough to cover the costs of company-owned vehicles. Commercial auto insurance is important to protect company drivers and property. While the minimum coverage required in Wyoming is $50,000 for auto insurance and $20k for property damage, a business may want to consider extending that coverage. Listed below are some things to consider when getting commercial auto insurance in Wyoming.

Cost of commercial auto insurance in Wyoming

While there is no state-mandated minimum for commercial auto insurance in Wyoming, it is highly recommended that you have a policy in place. There are several factors that may increase your insurance costs, including your zip code and the type of business you operate. In general, the cost of insurance varies by zip code, with Gillette residents paying an average of $1,408 and Cheyenne residents paying an average of $1,331 for coverage. While Wyoming auto insurance rates vary by zip code, Wyoming auto insurance premiums were consistent between nine cities.

Commercial auto insurance in Wyoming covers any liability that you may incur as a result of an accident and is required for vehicles used solely for business. Personal auto insurance only covers your vehicle when you drive it for personal purposes, so it’s important to consider commercial auto insurance if you own several cars or lease them. You may be surprised to learn that rates can start as low as $97 per month for vehicles used exclusively for business purposes.

Types Of Coverage,s

Commercial auto insurance in Wyoming offers various types of coverage based on your specific needs. Rental replacement insurance will cover the cost of renting a car while your vehicle is in the shop for repairs. Roadside assistance and towing coverage are also available to cover the costs if you run into trouble. If you run a trucking company, you may want to consider getting rental replacement coverage. This type of coverage protects you from financial ruin due to breakdowns, and it can be customized to your specific needs.

Liability insurance will cover damages and litigation caused by an accident, and will also protect your business against uninsured drivers. Liability insurance will also cover any medical expenses that your company might have to pay out if you hit another vehicle. It is mandatory to carry liability insurance in Wyoming, but you can choose from other types of coverage. Comprehensive insurance will repair damage caused by non-collision events, such as flooding or vandalism.


If you operate a business, you’re probably familiar with the importance of having Wyoming commercial auto insurance coverage. This type of insurance protects the liable parties in an accident, including yourself and your company. However, choosing the right policy is not as simple as it may seem. Your business’s risk tolerance and the coverage you need should determine what policy is right for you. Keep in mind that a commercial vehicle policy is different from a personal auto policy, which only covers you when you drive to and from work.

If you have a company truck or a business van, you’ll want to make sure you have the proper coverage. You can purchase liability coverage for the amount of money you spend on repairs, as well as rental replacement insurance. The latter coverage is particularly useful if you’re prone to breakdowns. If you’re the driver of a small business, you’ll want to consider bobtail coverage as well.


The law in Wyoming requires that you carry liability coverage, but there are limits you can increase for a small premium increase. For example, if construction equipment damages your car, commercial auto insurance will pay for the damages and even cover your medical bills. In some cases, your company may ask you to drive a rented or hired vehicle for the duration of your work. In such cases, your policy must have comprehensive coverage, which pays for the damages that result from the accident, even if the crash is not your fault.

In Wyoming, the minimum liability limits for drivers are 25/50/20 and $1 million, respectively. However, many policies will require you to carry higher liability limits, depending on the type of vehicle and the company. In Wyoming, there are many state and local laws regarding insurance. A good example is Wyoming’s ban on texting and driving. Similarly, it’s illegal for novice drivers to use their cell phones while driving. Moreover, if you’re a novice driver, you’ll need to get a learner’s permit. In this state, you can get either a regular or restricted learner’s permit.

Brokers can help people find the right coverage at the right price by comparing multiple insurance companies. In addition to lowering the costs of contractor insurance, Pascal can help you choose the right commercial auto insurance policy. By getting a free quote from a specialized insurance broker, you’ll also be able to get peace of mind.