How much does passenger car rental insurance cost in Wyoming? (2026)
Every dollar figure on this page is a statutory coverage requirement or a filed industry benchmark — not the premium you will pay. What you actually pay depends on your payroll, revenue, claims history, limits and carrier.
Passenger Car Rental insurance pricing in Wyoming is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in Wyoming. Below: the most-recent Wyoming filings affecting passenger car rental operations, cited to the regulator or bureau filings they came from — primary-source, government-held pricing records. Read the full national context on the Passenger Car Rental cost guide.
Recent rate-filing activity — 1 state filings across 1 commercial line
Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting passenger car rental operations, each cited to the regulator or bureau filing it came from.
| Line | State | Overall change | Effective | Filing |
|---|---|---|---|---|
| WC | WY | -15.0% overall (per-class -2.25% to -27.75%); -33% cumulative 3-year | Jan 1, 2026 | — |
Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.
Scope note: the filings tabulated above reflect NCCI class 9586 (Barber/Beauty Services) as an illustrative example of WC filing structure. Passenger-car-rental operators' actual WC classes are NCCI 8385 (Bus Co. — Garage Employees) and NCCI 8392 (Automobile Renting/Leasing) — counter-and-shuttle rental employees typically classify under 8385; full-fleet auto-rental garage operations typically use 8392. Passenger-car-rental + commercial-auto loss costs are jointly bureau-filed (ISO + NCCI); the per-state ranges shown reflect cross-class WC mechanics rather than 8385/8392 rates specifically. Confirm your specific class-code mapping at quote with your underwriter.
National context — Passenger Car Rental insurance overview
Passenger car rental (NAIC 532111) is the only vertical in our /cost cascade with two completely distinct cost models under the same NAIC code: traditional fleet rental (Hertz/Avis/Enterprise + independent operators owning a rental fleet) and peer-to-peer car sharing (Turo, Getaround hosts listing 1-N personal vehicles on platforms). Each has its own underwriting logic, premium range, and structural coverage gap.
Killer differentiator: the 24/7 coverage gap for P2P hosts. Personal auto policies nearly universally EXCLUDE car-sharing usage — the moment your vehicle is listed on Turo/Getaround, personal auto coverage typically voids. Platform-provided coverage (Turo Protection Plans, Getaround) only applies during the trip itself (analog to TNC Period 2/3 for rideshare). Off-trip incidents — storage, maintenance, repositioning between rentals, theft from your driveway between trips — are UNINSURED unless you carry a dedicated host-specific commercial product (Roamly Carshare, Tint via Turo partnership at 3+ vehicles, ABI Period X).
Traditional fleet operators face a different cost picture: per-vehicle Commercial Auto $1,200-$4,500/yr typical (scales with vehicle class + fleet size + claims history per ACRISS + III Transportation), plus General Liability for counter + lot premises, plus Workers Comp under NCCI 8392 (Auto Storage/Parking — Drivers) for shuttle + lot staff. Fleet underwriting is dominated by DOCUMENTED CONTROLS — driver-eligibility rules + ID verification + telematics/GPS + maintenance logs + claims-reporting SLAs.
Every number on this page is sourced from a named external publication (ACRISS, NAIC, Turo, NY DFS, NCCI). Use the calculator below to estimate your range, then get a real quote in 5 minutes from 10+ carriers.
National benchmark figures
Published cost ranges for Passenger Car Rental insurance — useful as a national baseline against which the Wyoming filings above signal local direction.
Industry-typical market ranges (national)
Sourced from III, NCCI, ISO, NAIC, BLS, FMCSA, FDA, NRA — government and bureau publications, not from our quote form
Market ranges from published industry sources:
- Traditional fleet Commercial Auto per-vehicle: $1,200-$4,500/year typical, scales steeply with ACRISS vehicle class + fleet size + claims history (ACRISS + III Transportation)
- General Liability (rental counter + lot premises): $1,500-$4,000/year typical for premises + operations exposure (III + NAIC)
- Workers Comp under NCCI 8392 (Automobile Storage Garage or Parking Station — Drivers): typically $2-$5 per $100 of payroll for shuttle + lot staff (NCCI Atlas)
- P2P hosts' off-trip coverage: $50-$200/month per vehicle typical via dedicated platforms (Roamly Carshare, Tint via Turo partnership at 3+ vehicles, ABI Period X)
- P2P platform-provided in-trip coverage: typically $750K liability + collision/comprehensive subject to deductible — Turo Protection Plans require host opt-in EVEN IF host carries commercial auto
- Customer LDW/CDW/SLI waivers (industry primary ancillary revenue line): typically $9-$30/day, governed by state DOI consumer-disclosure rules; NY DFS publishes the canonical consumer-facing distinction (Loss Damage Waiver = broader, includes theft; Collision Damage Waiver = collision only; Supplemental Liability Insurance = third-party liability above state minimum)
State variation: California, New York, and Florida are the most regulated rental markets (state DOI consumer disclosure rules + tort exposure). Most Midwest + Southern states are 20-40% cheaper for equivalent fleet + driver mix.
For Wyoming-specific direction, see the filed-rate table above.
Industry context — what published research says about Passenger Car Rental coverage
- Two cost models under NAIC 532111: traditional fleet rental (own fleet + rent to consumers, Hertz/Avis/Enterprise + independent rental operators) and peer-to-peer car sharing (Turo, Getaround hosts listing 1-N personal vehicles). Same NAIC, completely different underwriting + premium structure. The right policy is fundamentally different for each path. Turo car-sharing regulations.
- P2P 24/7 off-trip coverage gap = the F5-TNC-Period-1 analog for car-sharing. Personal auto policies nearly universally EXCLUDE car-sharing usage — the moment your vehicle is listed on Turo/Getaround, personal auto typically voids. Platform-provided coverage applies only during an active trip. Off-trip incidents (storage, maintenance, repositioning, theft from driveway between rentals) are UNINSURED unless you carry a dedicated host-specific commercial product. Same structural insurance flaw as rideshare Period 1 — different platform. Turo insurance overview.
- LDW vs CDW vs SLI consumer-facing distinction — Loss Damage Waiver (broader, often includes theft + loss of car), Collision Damage Waiver (collision damage only — narrower), Supplemental Liability Insurance (third-party liability above state minimum). State DOI consumer disclosure rules govern what rental operators must disclose at the counter. NY DFS publishes the canonical consumer-facing distinction. NY DFS Rental CDW FAQ.
- ACRISS standardization of vehicle class codes — used industry-wide for fleet quoting (e.g., ECMR = Economy / 2-4-door / Manual / unspecified fuel). Commercial fleet quotes typically request your full ACRISS-class mix; class-shift at audit can materially reshape premium. ACRISS.
- Fleet underwriting is dominated by DOCUMENTED CONTROLS: driver-eligibility rules (minimum age, MVR thresholds), identity verification, telematics/GPS, maintenance logs, and claims-reporting SLAs. Operators with documented controls earn materially lower premiums than peer operators of equivalent size — controls are scored at quote. III Commercial Insurance Basics.
How to lower your passenger car rental insurance cost
General levers that apply nationally — Wyoming operators may also have state-specific levers (e.g. non-subscriber WC, multi-jurisdiction permit consolidation).
Get your actual Wyoming quote in 5 minutes
The data above is regulator-filed direction. Your actual Wyoming quote depends on class code, payroll, experience modifier, and the LCM each carrier files.
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- National Rate Change Tracker — every filing across every state, sortable
Get a real Wyoming quote for passenger car rental
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Sources cited (national context above)
- Coverages and Insurances — ACRISS — Association of Car Rental Industry System Standards, 2024
- Car sharing regulations | US hosts — Turo, 2024
- Insurance + Vehicle Damage Reimbursements for Turo Hosts — Turo, 2024
- FAQ: Collision Damage Waivers + Rental Vehicle Coverage — New York State Department of Financial Services (DFS), 2024
- Transportation Business Insurance — Insurance Information Institute (III), 2024
- NCCI Atlas Class Look-Up — Class 8392 (Auto Storage Garage / Parking Station — Drivers) + Class 8385 (Automobile Service or Repair Center) — National Council on Compensation Insurance (NCCI), 2024