Gillette Car Insurance
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Ride the Range With Gillette Car Insurance
With a population of 33,413 as of the 2020 census, Gillette is the third-largest city in Wyoming. Due to its convenient location near the Powder River, the Bighorn Mountains and South Dakota's Black Hills, it tends to draw a lot of hikers, fishers, hunters, and other outdoor enthusiasts. People living in Gillette who visit these areas frequently spend a lot of time in their cars traveling the highways.
The average time to commute to work in Gillette is 18.96 minutes. If that figure included only people who commuted within the city limits, it would probably be lower. However, the main industry in Gillette is mining, and workers have to drive a ways out of town to get to their jobs.
Gillette is unofficially known as the "Energy Capital of the Country" because of its rich deposits of coal and oil. However, the nation's gradual move away from the use of fossil fuels has had an impact on Gillette's economy. In this economic environment, it is important to save money on car insurance. VIU by HUB makes it easy to compare quotes and find the best price.
What Risks Do Gillette Drivers Face on the Road?
There is a public bus system in Gillette that services surrounding rural areas in addition to the city proper. Nevertheless, 81.5% of commuters still drive their own vehicles to work.
Gillette has a semi-arid climate due to its location on the High Plains. Winters in Gillette can be particularly harsh. The average snowfall per year is 55.7 inches, approximately twice the average for the rest of the country. Perhaps surprisingly, the highest monthly snowfall average occurs in April. Slippery surfaces from snow, ice, and the occasional rainfall can contribute to motor vehicle collisions.
Because Wyoming is such a sparsely populated state, the wildlife outnumbers the residents. Unfortunately, wild animals sometimes wander onto roads and highways where vehicles can hit them. Even if drivers succeed in stopping or swerving to miss the animals, it can still result in an accident.
What Are Required Car Insurance Coverages in Wyoming?
Wyoming state law requires you to carry liability insurance. This covers property damage and medical expenses for parties injured in an accident you cause. You must carry the following minimum coverages on your vehicle:
- $20,000 for property damage
- $25,000 for bodily injury or death per person
- $50,000 for total bodily injury or death per accident
If you drive without car insurance, you could face a fine of up to $1,500 and up to six months in jail.
What Optional Coverages Are Available?
Wyoming does not require you to carry uninsured motorist coverage on your vehicle. However, it does require insurers to offer you at least $25,000 in uninsured motorist coverage. If you choose to include this coverage, it reimburses you for medical expenses if you get into an accident with an uninsured driver.
Because of the risk of collisions with wildlife, you may also benefit from comprehensive coverage if you are in an accident that does not involve another vehicle.
How Does VIU by HUB Help You Save on Car Insurance?
The average cost of Gillette car insurance is $1,558 per year, a little less than the state average. VIU by HUB's online tool allows you to answer a few simple questions on our website and receive quotes from multiple insurers. You can include any optional coverages you want and then compare quotes to find the best price.
This information is intended for general informational purposes only and is not intended to constitute legal advice.