Car Insurance in Cody, WY

Cody, WY, is located about 50 miles from the east gate of Yellowstone National Park. Colonel William F. "Buffalo Bill" Cody founded the town in 1896 after he spent time in the area in the 1870s. Today, Cody has a population of around 10,000 residents and a thriving tourist economy.

With hundreds of thousands of visitors from all over the world traveling through Cody, the roads in and around town can get busy and dangerous. Car accidents can happen to anyone who lives and drives in Cody.

But with a reliable car insurance policy, you can have peace of mind. A local independent insurance agent can help you get quotes for the best car insurance in Cody, WY.

What Does Car Insurance Cover in Cody, WY?

A car insurance policy in Cody will have several different types of coverage. All policies must have minimum liability coverage as required by law.

• Bodily injury liability coverage: Protection if you injure or kill someone else while driving your car. It covers an injured party's claims for damages, including medical expenses, lost wages, and pain and suffering. It also covers your legal defense fees if another party involved in the accident sues you.
• Property damage liability coverage: Pays for any damage that you cause to the property of others (e.g., another driver’s car) and for your legal defense if you are sued.

In addition to the coverage required by law, there are several optional types of coverage that you can choose from, depending on your needs and your budget. These include:

• Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or by a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have but does not.
• Underinsured motorist coverage: Protects you if another motorist is at fault for a collision but does not have enough insurance to cover your losses.
• Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
• Medical payments coverage (or personal injury protection): Helps pay for medical, dental, and funeral expenses for you or your passengers, regardless of who is at fault for an accident.
• Roadside assistance coverage (or towing and labor coverage): Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed and will reimburse you for the costs of these services up to certain limits.
• Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
• Loan/lease or gap coverage: Pays the difference between what you owe on a vehicle and its cash value if it is totaled.

An independent insurance agent can help you decide which coverage offers the best protection for your needs.

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How Much Does Car Insurance Cost in Cody, WY?

Wyoming is the 20th most expensive state for car insurance.

• National average annual car insurance cost: $1,311
• Wyoming average annual car insurance cost: $1,371

You can expect your Cody car insurance rates to be more or less than the average for the state. Car insurance premiums vary depending on your personal characteristics, such as where you live, the make and model of your car, and how far you drive to work or school every day.

Insurance companies also consider a variety of other risk factors, such as:

• Your age
• Your gender
• Your driving history
• The number of cars and drivers in your household

If your household consists of a single driver, your rates will certainly be lower than for a family of four. But expect that for every driver you add, your car insurance rates will go up.

If you shop around, you increase your chance of finding the best value for your budget. With the help of a local independent insurance agent, you can review quotes from multiple insurance companies to be sure you are getting the best deal.

Is Car Insurance Required in Cody, WY?

If you own a vehicle in Wyoming, you must purchase auto insurance. You must have the following coverage at a minimum to comply with the law:

• Bodily injury liability: Required
• Property damage liability: Required
• Personal injury protection (PIP): Not required
• Uninsured motorist coverage: Not required
• Underinsured motorist coverage: Not required
• Minimum liability limits: 25/50/20; coverage up to $25,000 for all persons injured in an accident, subject to a limit of $50,000 for one individual; and $20,000 coverage for property damage

Bodily injury liability insurance covers you if you are at fault in an accident and someone other than yourself is injured. Property damage liability insurance covers damage to another person's vehicle or property in an accident that is your fault.

Although liability coverage is mandatory, it’s a good idea to carry higher liability coverage limits and additional risk protections that extend to you and your vehicle. An independent insurance agent can help you determine how much liability coverage is necessary to adequately protect you and your family.

What Are the Best Car Insurance Companies in Cody, WY?

It can be simple to find the best car insurance companies in Cody, WY. A local independent insurance agent can help you get car insurance quotes from multiple insurance companies so that you can select the best policy for your needs and budget.

How Can an Independent Insurance Agent Help Me Find the Best Car Insurance in Cody, WY?

Instead of getting an online quote, find an independent insurance agent now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.  

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.