AUTO INSURANCE THAT ACTUALLY PROTECTS YOU ON SHERIDAN ROADS
From black ice on I-90 to deer strikes in the Bighorns, get coverage ready for Wyoming's rural conditions—at a price that fits boom and bust cycles. We're local, we get it, and we make insurance make sense.
✓ No obligation • ✓ Takes 2 minutes • ✓ Compare 20+ carriers

WHY SHERIDAN DRIVERS CHOOSE JWR FOR AUTO INSURANCE
We're not just selling policies—we're protecting neighbors.
WE'RE YOUR NEIGHBORS
Family-owned and serving Sheridan & Wyoming for over 20 years. We know the black ice on I-90, the rural commutes to ranches, the Bighorn deer strikes, the cost of living. We're not a call center in another state—we're right here with you.

WE SPEAK PLAIN ENGLISH
No insurance jargon. No fine print surprises. We explain everything like you're sitting at our kitchen table—because that's how we'd want to be treated.

WE SHOP 20+ CARRIERS FOR YOU
Why settle for one option? We compare rates and coverage from top carriers so you get the best value. One call, multiple quotes.

REAL SITUATIONS, REAL PROTECTION. REAL PEACE OF MIND.
Here's what auto insurance actually covers when life happens on Sheridan roads
STATE MINIMUM COVERAGE
Liability only: Covers damage you cause to others (legally required in WY). Wyoming requires 25/50/20 minimum limits. Your car? Not covered. Your medical bills? Not covered. Hitting a deer? Not covered. Budget option, but risky.
COLLISION COVERAGE
Repairs your car after a wreck—regardless of who's at fault. Black ice on I-90? Covered. Rear-ended in downtown Sheridan? Covered. Single-car accident? Covered. This is essential for newer vehicles.
COMPREHENSIVE COVERAGE
The 'everything else' protection: Hail damage (common in Sheridan summers), hitting deer in the Bighorns, theft, vandalism, windshield cracks, fire. If it's not a collision, comprehensive has you covered.
WHAT DOES AUTO INSURANCE ACTUALLY COVER?
Let's cut through the confusion—here's what each type of coverage actually does for you in Sheridan
COMMON MYTHS ABOUT AUTO INSURANCE
Myth: "My insurance will cover my friend if they borrow my car."
Truth: Insurance follows the car, not the driver—but your policy takes the hit first.
Myth: "Red cars cost more to insure."
Truth: Car color doesn't affect rates. Age, make, model, and your driving record do.
Myth: "Comprehensive coverage means everything is covered."
Truth: 'Comprehensive' only covers non-collision damage like hail, theft, and deer strikes. You still need collision for wrecks.
Myth: "I only need minimum coverage because it's cheap."
Truth: Wyoming minimums (25/50/20) won't cover a serious accident. Average at-fault accident costs $47K—you'd be $22K short.
WHAT YOUR AUTO INSURANCE COVERS
- Liability: Pays for damage you cause to others (required by law in Wyoming)
- Collision: Repairs your car after a wreck, regardless of fault
- Comprehensive: Covers theft, hail damage, hitting deer, vandalism
- Medical Payments: Your medical bills after an accident
- Uninsured Motorist: Protects you if hit by someone without insurance
- Roadside Assistance: Towing, lockouts, fuel delivery (add-on)
YOUR PROTECTION STARTS HERE
Get your free quote in 3 minutes—compare 20+ carriers for Sheridan drivers
Which Coverage Option Is Right for You?
Here's how to figure out what works for your situation. What do you need?
Roadside Assistance for Auto Insurance
From Wyoming interstates to Colorado mountain passes, vehicle breakdowns happen when you least expect them—flat tires on remote highways, dead batteries in subzero temperatures, lockouts in grocery store parking lots, and mechanical failures far from home. As an independent brokerage serving Wyoming, Colorado, Utah, and Montana, we compare 20+ carriers to find roadside assistance coverage that actually helps when you're stranded—with towing to your preferred shop, jump-starts in brutal winter conditions, and service that reaches rural areas where national programs often won't dispatch. We're locals who've been stuck on these same roads, and we make sure your roadside coverage works when you need it most—not just looks good on paper.
Uninsured/Underinsured Motorist for Auto Insurance
Even in Wyoming, where only 5.9% of drivers lack insurance—the nation's lowest rate—one in seventeen vehicles on the road has no coverage to pay you if they cause an accident, leaving you facing medical bills, lost wages, and pain-and-suffering damages with nowhere to turn. As an independent brokerage serving Wyoming, Colorado, Utah, and Montana, we compare 20+ carriers to structure uninsured and underinsured motorist coverage that protects YOUR family when at-fault drivers have no insurance or inadequate limits—ensuring serious accidents don't become financial catastrophes because someone else failed to maintain proper coverage. We're local experts who answer the phone, explain coverage gaps in plain English, and make sure you're protected from the devastating consequences of being hit by uninsured or underinsured drivers on Mountain West roads.
Medical Payments Coverage for Auto Insurance
When accidents happen on Wyoming roads or Colorado highways, you need immediate medical care—not weeks of waiting while insurance companies determine fault. As an independent brokerage serving Wyoming, Colorado, Utah, and Montana, we compare 20+ carriers to find Medical Payments Coverage that covers your medical bills from the first dollar—no deductibles, no co-pays, no fault determination required—protecting you and your passengers when accidents happen. We're local experts who answer the phone, explain how MedPay works in plain English, and make sure you're not stuck paying thousands out of pocket while waiting for liability claims to process.
Comprehensive Coverage for Auto Insurance
We understand driving in the Mountain West—from Wyoming hail storms to Colorado mountain roads. As an independent brokerage with 20+ carriers, we find the right comprehensive auto coverage for your vehicle and lifestyle, with honest local expertise and no pressure.
Collision Coverage for Auto Insurance
Mountain West drivers face unique collision risks—from icy Wyoming highways where winter crashes spike, to hail-damaged Colorado roads with debris, to remote Utah routes where hitting stationary objects means costly repairs far from help. As an independent brokerage serving Wyoming, Colorado, Utah, and Montana, we compare 20+ carriers to find collision coverage that actually protects YOUR vehicle when accidents happen—whether you're at fault, hit by an uninsured driver, or involved in a hit-and-run. We're local experts who answer the phone, explain deductibles and coverage limits in plain English, and make sure your vehicle investment is protected from the collision risks that threaten Mountain West drivers every day.
Liability Coverage for Auto Insurance
Mountain West drivers face unique liability risks—from devastating multi-vehicle pileups on icy Wyoming highways to rear-end collisions in Fort Collins traffic to accidents on remote Utah roads where medical transport costs skyrocket. As an independent brokerage serving Wyoming, Colorado, Utah, and Montana, we compare 20+ carriers to find auto liability coverage that actually protects YOUR assets when you're at fault—with limits high enough to prevent lawsuits from draining your savings, home equity, and retirement accounts. We're local experts who answer the phone, explain liability limits in plain English, and make sure an at-fault accident doesn't destroy everything you've built.
DO YOU ACTUALLY NEED AUTO INSURANCE?
YOU DEFINITELY NEED AUTO INSURANCE IF:
- ✓ You drive on Wyoming roads (legally required)
- ✓ You have a car loan (lender requires full coverage)
- ✓ You own a vehicle worth more than $5,000
- ✓ You can't afford to replace your car out of pocket
- ✓ You drive in high-traffic areas or harsh winter weather
- ✓ You commute to work daily (around 15 minute average in Sheridan)
- ✓ You have assets to protect (home, savings, retirement)
- ✓ Your family depends on your vehicle for transportation
YOU MIGHT HAVE SPECIAL COVERAGE NEEDS:
→ High-mileage commuter to ranches or mining sites
Consider higher liability limits and comprehensive coverage
→ Rural driver with long commutes
Ensure coverage for long-distance and off-road driving
→ Teen driver in household
Expect higher premiums, consider good student discounts
→ Classic car owner
Need specialty agreed-value coverage
→ SR-22 requirement
We can help with that too
→ Rideshare driver (Uber/Lyft)
Need commercial rideshare endorsement
STEP 1: UNDERSTAND YOUR VEHICLE
How old is your car? What's it worth? Do you have a loan, or do you own it outright? Could you afford to replace it from savings if it was totaled?
Newer vehicles and those with loans need comprehensive + collision. Older paid-off cars might get by with liability only.
STEP 2: ASSESS YOUR ASSETS
Do you own a home? Have savings or retirement accounts? Could a lawsuit bankrupt you?
Sheridan drivers with assets to protect need higher liability limits (100/300/100 or more) and consider umbrella policies.
STEP 3: EVALUATE YOUR RISK
Do you commute on I-90 daily? Drive in harsh Wyoming winters? Have you had tickets or accidents in the past 3 years?
High-risk drivers (long commutes, bad weather, poor driving record) need more protection.
STEP 4: TALK TO US
Not sure which option fits your Sheridan situation? Call us at (307) XXX-XXXX. We'll walk you through it—no pressure, just honest advice about what actually makes sense for you.
READY TO GET THE COVERAGE YOU DESERVE?
Get your free quote in 3 minutes, or call and we'll handle it together.
FAQs
After ensuring everyone's safety and, if necessary, contacting law enforcement, you should report the accident to your insurance provider as soon as possible. We'll guide you through gathering necessary information, documenting damages, and working with an adjuster to assess your claim. Timely reporting helps expedite the process, getting you back on the road sooner.
Standard auto insurance generally does not cover intentional damage, normal wear and tear on your vehicle, or modifications and custom parts not explicitly declared on your policy. It also won't cover using your personal vehicle for racing or certain commercial purposes like ridesharing without specific endorsements. Always check your policy for precise exclusions.
A comprehensive auto policy typically includes liability coverage for damage to others, collision coverage for your vehicle in an accident, and comprehensive coverage for non-collision events like hail damage, falling rocks, or wildlife collisions common in Wyoming and Colorado. Many policies also include medical payments and uninsured motorist coverage, which is crucial given the higher rates of uninsured drivers in some areas.
Liability-only insurance covers damages and injuries you cause to other people and their property. "Full coverage" typically adds collision and comprehensive coverage, protecting your own vehicle from accidents, theft, or natural disasters like a Wyoming hailstorm. If you have a newer car, an auto loan, or want maximum protection, full coverage is often recommended. For older vehicles, liability-only might suffice, but consider the financial risk.
Auto insurance is legally required in both Wyoming and Colorado. While the minimum liability limits might seem low, they often aren't enough to cover serious accidents. Driving without insurance can lead to hefty fines, license suspension, and personal financial responsibility for all damages if you're at fault in a crash. It's not just optional; it protects you and others.
Auto insurance premiums in Wyoming and Colorado can vary widely, often ranging from $100 to $250 per month depending on factors like your driving record, vehicle type, and coverage limits. For example, a driver with a clean record in Cheyenne will likely pay less than someone with an accident history in Denver, especially if they commute through oil fields. The best way to know your exact cost is to get a personalized quote.