2024
Last updated:
Our Recommended Top 13
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Licensing
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Our goal is to connect people with the best local professionals. We scored Wyoming Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.
55Reviewed
38Curated
13Top Picks
Learn about our selection process.
Providers
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Featured Provider
License: 9517979
Expertise.com Rating
Review Sources
- 4.1
(14)
Why choose this provider?
Buchanan Insurance has over five decades of experience in providing the insurance needs of clients in the Grand Rapids and Wyoming areas. The agency's auto insurance policy offers property, liability, and collision coverage for both experienced and teenage drivers. Among the providers the agency works with are State Auto and Motorists Mutual Insurance Company. In addition to auto insurance, Buchanan Insurance also has other personal and business insurance options, including home and life insurance.
- Bundling Option
License: 17929427
Expertise.com Rating
Review Sources
- 5.0
(18)
Why choose this provider?
Brightway Insurance is an independent insurance agency that services Wyoming and other West Michigan areas. Its agents help vehicle owners protect their assets through auto insurance. This type of insurance can include liability coverage, physical damage coverage, and personal injury protection. To be able to give clients a policy that fits their unique situations, Brightway Insurance's agents review their insurance needs and shop from several insurance carriers. Brightway Insurance also writes insurance policies for motorcycles, RVs, and boats.
- RV & Motorhome
- Motorcyle & ATV
- Boats
License: 961081
Expertise.com Rating
Review Sources
- 4.7
(163)
Why choose this provider?
Stedman Insurance Agency, Inc., is an independent and locally operated agency that offers auto insurance services to clients in Wyoming and the nearby areas. It works with various insurance carriers in providing clients with policies to protect them against legal and medical expenses brought by car accidents. As a part of the community, the company is committed to being the personal advocate of its neighbors, including the local churches and businesses, in times of need.
- Bundling Option
License: NPN #: 18514679
Expertise.com Rating
Review Sources
- 5.0
(11)
Why choose this provider?
Booth Hilaski Grevenstuk Insurance offers auto insurance products to clients in Wyoming and the surrounding communities. The business has been helping policy buyers choose their car insurance plans for over 40 years. Its agents handle various coverages, such as medical payments, bodily injury liability, property damage liability, collision, and loan or lease gap. Customers are also assisted during road trouble and emergency encounters. In 2017, the company was acknowledged by the Michigan Association of Insurance Agents as a total quality agency.
- Multiple Carriers
License: 0098383
Expertise.com Rating
Review Sources
- 4.1
(14)
Why choose this provider?
Based in Wyoming, Precision Insurance Agency is an independent agency that has been providing personal, business, and life insurance since 2003. Its wide range of insurance plans includes car insurance, which it offers through its partner insurers, such as Grange, Hagerty, The Hartford, Main Street America/National Grange Insurance, Safeco Insurance, and State Auto. The company can accommodate a broad spectrum of drivers and driving histories. It also deals with coverages for motorcycles, RVs, and boats.
- Multiple Carriers
License: 958795
Why choose this provider?
Linkfield & Cross Insurance Agency has been serving families, individuals, and businesses since 1928. The independent insurance agency caters to the car insurance needs of clients in Wyoming and the surrounding areas. Its insurance professionals are dedicated to providing an auto insurance policy that protects customers against financial damages and losses through liability, property, and medical coverage. The business also offers home, life, and business insurance services. Additionally, its agents have more than 20 years of experience in the field.
- Multiple Carriers
License: 976193
Why choose this provider?
Marsha Veenstra is a bilingual State Farm agent guiding Wyoming drivers with the entire auto insurance process. Veenstra and her 5-person team curate personalized policies that protect both car owners and their vehicles with various coverages such as collision, rideshare, comprehensive, and rental. They also assist clients who encounter roadside troubles anytime. Veenstra, who speaks English and Vietnamese, can also cater to individuals living in East Grand Rapids, Lowell, Rockford, Caledonia, and Cascade.
- Bundling Option
License: 4598759
Expertise.com Rating
Review Sources
- 4.4
(14)
- 4.1
(9)
Why choose this provider?
J.B. Harrison Insurance provides auto coverage options to communities in Wyoming. It offers policies that secure vehicle owners from damages or losses incurred from collisions and non-collision incidents such as fires, falling objects, theft, vandalism, and glass breakage. It also offers liability protection against bodily injury and property damage, as well as coverage for medical expenses, emergency road service, and uninsured or underinsured motorists. With more than two decades of expertise, J.B. Harrison also offers other lines of insurance, including business, life, and home.
- Multiple Carriers
- Bundling Option
License: 7132446
Expertise.com Rating
Review Sources
- 5.0
(5)
- 5.0
(4)
Why choose this provider?
Pyman Insurance Agency is an insurance provider serving Fruitport and the rest of West Michigan, including Wyoming. In business since the early 1940s, it is a third-generation company tied up with a carefully selected group of established insurance carriers. Its professional and experienced agents can provide vehicle owners with the assistance they need to secure car insurance policies based on their personal needs and preferences. Pyman Insurance Agency also offers protection plans for motorcycles, recreational vehicles, and boats.
- Multiple Carriers
License: 971587
Expertise.com Rating
Review Sources
- 4.9
(84)
Why choose this provider?
BHS Insurance - Holland provides customized auto insurance solutions to individuals, families, and businesses in the Wyoming metro. Its team conducts assessments and works on understanding the ongoing situations of its clients to identify the coverages that best suit their needs. They craft auto insurance policies that can cover medical benefits, liabilities, and other financial obligations. As a local firm, it ensures that each client will be assisted throughout the process by a single contact person only.
- Multiple Carriers
License: 0047098
Expertise.com Rating
Review Sources
- 5.0
(16)
Why choose this provider?
Winter Insurance Agency is a full-service business that offers insurance protection to individuals and businesses in Wyoming. This independent insurance agency has been in the industry since 1974. Its service professionals offer an auto insurance plan that provides financial protection against losses and damages due to car accidents and other unexpected events. The policy covers underinsured and uninsured motorists, bodily injury liability, personal injury protection, and comprehensive and collision coverage options.
- Multiple Carriers
License: 16854938
Expertise.com Rating
Review Sources
- 5.0
(6)
Why choose this provider?
Thornapple Insurance Agency is an independently owned and operated company that has been offering personalized auto insurance services in the Wyoming, Comstock Park, Jenison, and Kentwood areas since 1976. Its team of insurance specialists can craft a plan for a single policyholder or a large family with multiple vehicles. They recommend auto insurance that may cover accident-related medical bills and lost wages, as well as accident-related repairs to the insured car. It strives to offer its clients trust and mutually beneficial business relationships based on security and respect.
- Bundling Option
License: 8997357
Why choose this provider?
Aspen Insurance Group is a full-service and independently-owned insurance firm that serves Wyoming. Its experienced and professional agents can provide the assistance car owners need to determine suitable auto insurance plans for their vehicles based on their specific requirements and individual risks. Auto insurance policies usually include property, liability, and medical coverage, which are designed to protect the client and their vehicle in the event of an emergency. Aspen Insurance Group also offers life, homeowners, and business insurance.
- Multiple Carriers
Compare our Top Local Car Insurance Agencies
Name | Expertise Rating | Address | Promotions | Learn more |
---|---|---|---|---|
Buchanan Insurance | 2305 East Paris Ave SE, Suite 201, Grand Rapids, MI49546 | View More | ||
Brightway Insurance | 2638 Henry Street, Muskegon, MI49441 | View More | ||
Stedman Insurance Agency, Inc. | 508 28th Street Southwest, Grand Rapids, MI49509 | View More | ||
Booth Hilaski Grevenstuk Insurance | 1743 142nd Avenue, Dorr, MI49323 | View More | ||
Precision Insurance Agency | 1565 Burton Street Southwest, Wyoming, MI49509 | View More | ||
Linkfield & Cross Insurance Agency | 1600 East Beltline Avenue Northeast, Grand Rapids, MI49525 | View More | ||
Marsha Veenstra | 4807 Cascade Road Southeast, Grand Rapids, MI49546 | View More | ||
J.B. Harrison Insurance | 6661 Alden Nash Avenue Southeast, Alto, MI49302 | View More | ||
Pyman Insurance Agency | 63 North 3rd Avenue, Fruitport, MI49415 | View More | ||
BHS Insurance - Holland | 2822 West Shore Drive, Holland, MI49424 | View More | ||
Winter Insurance Agency | 508 East Fairplains Street, Greenville, MI48838 | View More | ||
Thornapple Insurance Agency | 6157 28th Street Southeast, Grand Rapids, MI49546 | View More | ||
aspeninsurancegroup.net | 5075 Cascade Road Southeast, Grand Rapids, MI49546 | View More |
FAQs
Introduction
A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circ*mstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
Is it possible to go to jail for driving without car insurance in Wyoming?
Yes. In Wyoming, driving without insurance is a serious offense that can lead to arrest. It's considered a misdemeanor and could result in up to one year in jail. When a police officer witnesses a crime punishable by more than 92 days in jail, and there is probable cause, they may arrest the suspect without a warrant.
Are non-residents in Wyoming required to purchase auto insurance?
Yes. Non-residents must maintain Michigan No-Fault auto insurance on their vehicle per MCL 500.3102(1) if they purchase and operate a vehicle in Wyoming for more than 30 days in a calendar year. They may apply for this mandatory No-Fault auto insurance policy with auto insurers authorized to operate a business in Michigan for non-residents.
What happens to non-residents who are caught driving in Wyoming without No-Fault vehicle insurance?
Non-Michigan residents driving in Wyoming without meeting No-Fault auto insurance requirements are labeled uninsured drivers. This carries consequences like:
- Legal Penalties: Potential jail time and fines.
- Loss of No-Fault Benefits: Risk of being denied medical, wage loss, and pain and suffering compensation after an accident.
- Personal Medical Costs: Responsibility for their own medical expenses.
- Limits on Lawsuits: Forfeiture of the right to sue a negligent, at-fault driver for accident injuries.
Does vehicle registration require purchasing insurance in Wyoming?
In Wyoming, it is impossible to register a vehicle without proof of insurance because this is a requirement at the time of registration. The mandatory insurance requirements include bodily injury liability coverage of $25,000 (with a maximum limit of $50,000 per accident) and property damage liability coverage of $20,000. The time period for registering a car is 45 days from the date of purchase.
What are the possible reasons for auto insurance denial in Wyoming?
Individuals in Wyoming may be denied motor insurance if specific criteria are met, such as:
- They are not obligated by law to maintain insurance because they do not intend to reside or drive in Michigan for 30 days or longer.
- Their driver's license is currently suspended or revoked.
What is car insurance?
Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.
How does car insurance work?
Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.
What does car insurance cover?
Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.
Does car insurance cover theft?
Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.
How does a car insurance deductible work?
A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.
Do you need insurance to register a car?
Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.
Can you get car insurance without a license?
In most states in the United States, a license isn't required to purchase car insurance. This means that an unlicensed driver can purchase a policy for a licensed driver. However, most insurance companies won't allow an unlicensed driver to be listed on a policy, either as a primary or a secondary driver.
Do you need car insurance?
Yes. Car insurance isn't optional, and neglecting to purchase and maintain a minimum level of coverage can result in penalties, such as the suspension of your vehicle registration or driver's license. In addition, the cost of a car accident can add up to tens of thousands of dollars, which can be an unsustainable burden without insurance.
How much is car insurance a month?
Car insurance costs depend on factors such as where a person lives and their driving history. Drivers living in states with high insurance rates who've had accidents will pay more than drivers with clean records living in lower-cost states. In general, monthly car insurance costs can range from $50 to $500 or more.
Why is my car insurance so high?
Car insurance can be expensive for many reasons. Unsafe or expensive cars, a history of accidents, DUIs, and having multiple cars and drivers on a policy can all lead to higher monthly costs. Driver age may also play a role. For example, teens are more expensive to insure than adults.
How can I get lower car insurance?
Getting lower-cost car insurance may be possible depending on your personal circ*mstances. To find a cheaper policy, drivers are encouraged to get prices from multiple companies, bundle car insurance with home insurance, or use monitoring devices to demonstrate safe driving.
Do you need insurance to rent a car?
In most areas, car insurance isn't required to rent a car. However, most personal car insurance policies extend to rental vehicles. For those who don't have insurance coverage and want to stay protected, most car rental agencies offer supplemental insurance coverage for an added fee.
Does my car insurance cover rental cars?
Most car insurance policies do cover rental cars. However, this coverage isn't universal. Before renting a car, it's recommended that you check your policy details or speak to your insurance agent to be sure rental car coverage is included at an appropriate level.
Can I insure a car not in my name?
In most states, it's possible to insure a car that isn't registered in the name of the policyholder. This commonly occurs when a parent purchases and insures a car for an adult child. However, many states and insurance agencies require the policyholder to have a financial stake in the vehicle they're insuring.
Can you cancel car insurance at any time?
In general, it's possible to cancel car insurance at any time, provided proper notice is given. Notice requirements are outlined in policy documents. Unlike health insurance that can require personal circ*mstance changes or a specialized enrollment period, auto insurance policies can be canceled or adjusted at any time.
How can I change car insurance?
Changing car insurance is as easy as notifying your current car insurance company and purchasing a new policy from a different agency. Even policies that have been paid up front can be canceled, and companies will issue a refund for any time remaining on the policy term.
How do you become a car insurance agent?
In most states, working as a car insurance agent requires having a state license for selling insurance products. Generally, this process involves taking classes and earning a passing score on a licensing exam. Some agencies may allow individuals to shadow or assist current agents while working on their licensing requirements.
How do car insurance agents get paid?
Most car insurance agents are paid on a commission basis. This means they receive a percentage of the amount their clients pay for their insurance coverage. Some agents may also earn a flat salary. Commissions range from 5% to 20%, on average, but this can vary based on the company or policy type.
How much do car insurance agents make?
Car insurance agent earnings depend on commission percentages, any base salary in addition to commission, sales proficiency, and sales experience. According to the Bureau of Labor Statistics, the average insurance sales agent makes around $52,000 per year. This may vary from state to state and company to company.
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