Why Compare Car Insurance Rates in Wyoming:
Buying a car in Wyoming is only the start of your ownership journey - the real expense lies in maintaining it. Most drivers in the state own a car for an average of 8.5 years, so it is important to have the best auto insurance in Wyoming to cover any mishaps you may have!
Wyoming car insurance can be complex to navigate if you don't have the basics down right. In a nutshell, your premiums will be higher if you are a young driver, have prior driving violations like tickets and DUI citations, or were in an at-fault accident. However, if you tick the right boxes in the list of Wyoming auto insurance requirements, you could pay just $422 - for starters.
The Way.com Insurance Team periodically reviews Wyoming auto insurance quotes from prominent companies to find out which offers the best value for money. Here, you can check out the rates for different categories like minimum coverage, full coverage, premiums with driving violations, and more.
As in all other states in the US, it is illegal to drive without minimum auto insurance in Wyoming. According to the Wyoming Department of Insurance, all drivers should have the following minimum liability coverages:
| Coverage Type | Minimum Coverage Limit |
|---|---|
| Bodily Injury Liability Coverage (per person) | $25000 |
| Bodily Injury Liability Coverage (per accident) | $50000 |
| Property Damage Liability Coverage (per accident) | $25000 |
You can remember it easily using the 25/50/20 rule. Also, remember that these are the minimum Wyoming auto insurance requirements and do not include collision and other coverages (which are highly recommended).
The average cost of minimum liability coverage in Wyoming is $898. USAA provides the lowest prices for minimum coverage for drivers without military affiliation. Nationwide comes a close second with an annual rate of $1,021.
Farmer's Insurance minimum coverage rates in Wyoming are the highest ($1,497).
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $898 |
| Nationwide | $1,021 |
| MetLife | $1,096 |
| Farmers Mutual | $1,106 |
| Statewide Average | $1,232 |
| State Farm | $1,238 |
| Progressive | $1,329 |
| Allstate | $1,381 |
| Iowa Farm Bureau | $1,410 |
| Farmers Insurance | $1,497 |
The consensus is that having just the minimum Wyoming car insurance is not enough to protect yourself financially. In fact, you're most likely underinsured if you only have basic minimum coverage. Higher coverage will mean higher premiums but better protection in the long term.
Wyoming residents usually choose to raise the coverage limits of Bodily Injury coverage to $100,000 per person and $300,000 per accident, while also increasing Property Damage coverage to $100,000.
Nationwide provides the cheapest full coverage in Wyoming with an annual rate of $935. However, it is only applicable to military members and their families. The next best rates are from MetLife and USAA.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| Nationwide | $935 |
| MetLife | $951 |
| USAA | $982 |
| Farmers Mutual | $1,142 |
| Statewide Average | $1,301 |
| State Farm | $1,343 |
| Progressive | $1,448 |
| Allstate | $1,462 |
| Iowa Farm Bureau | $1,488 |
| Farmers Insurance | $1,636 |
The best car insurance in Wyoming will include all the right features to minimize your cash expenses during an accident. Way.com can help you find and compare the best auto insurance quotes in Wyoming in just minutes so that you can make an informed decision.
Personal Injury Protection (PIP) is not required in Wyoming. PIP is a type of auto insurance that covers medical payments regardless of who caused the accident. It is applicable in no-fault states, but since Wyoming is an 'at-fault' state, the at-fault driver's insurance should take care of medical expenses.
Still wondering if you have enough coverage to stay safe on Wyoming roads? Besides the mandatory minimum coverage, you can add different auto insurance coverage types like collision coverage, comprehensive coverage, GAP insurance, and much more. Every driver in Wyoming should consider these additional coverage alternatives.
To ensure your safety and that of others, all drivers in Wyoming must have mandatory proof of auto insurance. It doesn't matter whether you have only minimum coverage or full coverage - you must provide it to any law enforcement authority on request wherever required.
Driving a car without auto insurance is against the law in Wyoming and can carry several penalties like:
You may need to pay further license reinstatement fees for letting your auto insurance lapse.
The average cost of Wyoming car insurance with minimum liability coverage is $422 per year. The average cost of full coverage auto insurance is $1577 or $131 per month.
Wyoming car insurance rates are determined not only by location but by several other factors. This includes your age, gender, marital status, and driving background. Different insurance companies use different methodologies to find their premiums - so it's always best to compare several rates before deciding.
We looked at Wyoming's average car insurance prices based on the primary rating categories. Take a look to see which category you fall under and compare the average premiums.
While Nationwide has the cheapest rate for full coverage ($935), it is only applicable to military-affiliated drivers. Besides that, MetLife offers the cheapest annual rate of $951 with USAA coming a close second with $$982.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| Nationwide | $935 |
| MetLife | $951 |
| USAA | $982 |
| Farmers Mutual | $1,142 |
| Statewide Average | $1,301 |
| State Farm | $1,343 |
| Progressive | $1,448 |
| Allstate | $1,462 |
| Iowa Farm Bureau | $1,488 |
| Farmers Insurance | $1,636 |
Cheapest auto insurance in Wyoming for young drivers
Farmers Mutual Rates are the lowest in our survey for young drivers with an annual rate of $2,388. USAA comes a close second with $2,662 per year.
| COMPANY | 18-YEAR-OLD FEMALES | 18-YEAR-OLD MALES |
|---|---|---|
| Allstate | $4,503 | $4,759 |
| Farmers Insurance | $7,202 | $7,688 |
| Farmers Mutual | $2,388 | $2,771 |
| Iowa Farm Bureau | $3,221 | $3,352 |
| Nationwide | $3,136 | $4,058 |
| Progressive | $6,553 | $7,274 |
| State Farm | $3,018 | $3,858 |
| USAA | $2,662 | $2,770 |
| Statewide Average | $4,087 | $4,718 |
If you've already received a speeding ticket and have military affiliations, then USAA offers the most value for money with $1,155 annual rate. However, for regular folks, Nationwide has an affordable yearly premium of $1,104. Farmers Insurance rounds out the list as the costliest ($1,980) which is 48% higher than the state average.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| Nationwide | $1,104 |
| USAA | $1,155 |
| MetLife | $1,223 |
| Farmers Mutual | $1,233 |
| State Farm | $1,368 |
| Statewide Average | $1,460 |
| Progressive | $1,704 |
| Allstate | $1,540 |
| Iowa Farm Bureau | $1,822 |
| Farmers Insurance | $1,980 |
Wyoming drivers with a history of accidents may have to pay a higher premium, but can still get value for money. USAA has the lowest rates for military-affiliated drivers with $1345 per year (44% lower than the state average), while Farmers Mutual has an annual rate of $1368.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| USAA | $1,345 |
| Farmers Mutual | $1,368 |
| State Farm | $1,451 |
| Nationwide | $1,550 |
| MetLife | $1,556 |
| Allstate | $1,650 |
| Statewide Average | $1,801 |
| Progressive | $2,134 |
| Farmers Insurance | $2,197 |
| Iowa Farm Bureau | $2,238 |
Yes, previous citations for driving under the influence (DUI) can increase your auto insurance premiums. State Farm has the lowest rates for insurance after DUI ($1368), followed closely by Progressive with $1507 per year.
| COMPANY | AVERAGE ANNUAL RATE |
|---|---|
| State Farm | $1,368 |
| Progressive | $1,507 |
| Nationwide | $1,762 |
| Allstate | $1,795 |
| USAA | $1,887 |
| Farmers Insurance | $2,111 |
| MetLife | $2,129 |
| Statewide Average | $2,132 |
| Farmers Mutual | $2,228 |
| Iowa Farm Bureau | $2,940 |
Statistically, married drivers cause fewer accidents than single drivers, which moderates the annual auto insurance premiums in Wyoming. State Farm also offers a comparable price at $1303.
| Company | Annual rates |
|---|---|
| State Farm | $1303 |
| USAA | $1312 |
| Farmers | $1992 |
| All State | $2302 |
Driver with poor credit often pay higher insurance rates in Wyoming. State Farm offers the best bet with $1712 per year (nearly $300 less than the state average). All State has the most expensive rates - 52% more expensive than the lowest rates in Wyoming.
| Companies | Annual rates |
|---|---|
| State Farm | $1712 |
| Farmers | $1757 |
| USAA | $1916 |
| All State | $2434 |
Cheap auto insurance in Wyoming with bad credit
| Company | Avg. Annual Premium |
|---|---|
| American National P&C | $1,093 |
| Farmers | $1,993 |
| State Farm | $2,069 |
| USAA | $3,083 |
| Allstate | $3,847 |
| Metropolitan | $4,632 |
Wyoming auto insurance rate by violation
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| One Med/PIP claim | $1,599 | 1% | $10 |
| None | $1,599 | 1% | $10 |
| Driving without lights | $1,676 | 6% | $87 |
| Two Med/PIP claims | $1,702 | 7% | $113 |
| One comp claim | $1,702 | 7% | $113 |
| Child safety restraint | $1,738 | 10% | $150 |
| Failure to show documents | $1,738 | 10% | $150 |
| Failure to wear a seat belt | $1,738 | 10% | $150 |
| Not-at-fault accident | $1,760 | 11% | $171 |
| Texting while driving | $1,780 | 12% | $191 |
| Cell phone violation | $1,780 | 12% | $191 |
| Driving with expired registration | $1,796 | 13% | $207 |
| Failure to stop at a red light | $1,805 | 14% | $217 |
| Illegal turn | $1,805 | 14% | $217 |
| Following too closely | $1,805 | 14% | $217 |
| Failure to yield | $1,805 | 14% | $217 |
| Wrong way/wrong lane | $1,805 | 14% | $217 |
| Improper passing | $1,815 | 15% | $226 |
| Passing school bus | $1,857 | 17% | $268 |
| Two comp claims | $1,900 | 20% | $311 |
| Open container | $1,905 | 20% | $317 |
| Speeding 11 - 15 MPH over limit | $1,947 | 23% | $359 |
| Speeding 16 - 20 MPH over limit | $1,947 | 23% | $359 |
| Speeding 21 - 25 MPH over limit | $1,947 | 23% | $359 |
| In 65 MPH zone | $1,947 | 23% | $359 |
| Speeding in school zone | $1,947 | 23% | $359 |
| Speeding 6 - 10 MPH over limit | $1,947 | 23% | $359 |
| Driving too slowly | $1,947 | 23% | $359 |
| Operating a vehicle without permission | $2,057 | 30% | $468 |
| At-fault accident - less than $1000 | $2,131 | 34% | $542 |
| At-fault accident - $1000-$2000 | $2,163 | 37% | $574 |
| At-fault accident - greater than $2000 | $2,163 | 37% | $574 |
| Racing | $2,464 | 55% | $875 |
| Driving with a suspended license | $2,532 | 60% | $943 |
| Reckless driving | $2,540 | 60% | $952 |
| Refusal to submit to a chemical test | $2,598 | 64% | $1009 |
| DUI | $2,681 | 69% | $1,092 |
| Leaving scene of an accident/hit and run | $2,709 | 71% | $1,120 |
Car insurance price trends in Wyoming
| Year | Avg. Annual Premium - Wyoming | Yearly Change - Wyoming | Avg. Annual Premium - US | Yearly Change - US |
|---|---|---|---|---|
| 2021 | $1,558 | $98 | $1,539 | $56 |
| 2020 | $1,470 | $31 | $1,493 | $71 |
| 2019 | $1,449 | $58 | $1,554 | $33 |
| 2018 | $1,401 | -$395 | $1,531 | $94 |
| 2017 | $1,806 | $244 | $1,447 | $79 |
| 2016 | $1,572 | -$313 | $1,378 | $98 |
| 2015 | $1,895 | $226 | $1,290 | $61 |
| 2014 | $1,679 | $165 | $1,239 | $54 |
| 2013 | $1,524 | -$53 | $1,205 | -$70 |
| 2012 | $1,587 | $333 | $1,286 | $92 |
The annual auto insurance rates in Wyoming can vary depending on the city as well! Sheridan has the lowest average rates in the state ($1410), while Cheyenne has the costliest at $1576.
| City | Annual Rate |
|---|---|
| Afton | $1,745 |
| Aladdin | $1,805 |
| Albin | $1,757 |
| Alcova | $1,769 |
| Alpine | $1,745 |
| Alta | $1,841 |
| Alva | $1,805 |
| Antelope Valley-Crestview | $1,793 |
| Arapahoe | $1,745 |
| Arminto | $1,769 |
| Arvada | $1,745 |
| Auburn | $1,745 |
| Baggs | $1,697 |
| Bairoil | $1,781 |
| Banner | $1,697 |
| Bar Nunn | $1,793 |
| Basin | $1,733 |
| Bedford | $1,745 |
| Beulah | $1,805 |
| Big Horn | $1,673 |
| Big Piney | $1,745 |
| Bondurant | $1,745 |
| Bosler | $1,757 |
| Boulder | $1,745 |
| Buffalo | $1,757 |
| Buford | $1,757 |
| Burlington | $1,733 |
| Burns | $1,757 |
| Byron | $1,733 |
| Carpenter | $1,757 |
| Casper | $1,781 |
| Centennial | $1,757 |
| Cheyenne | $1,757 |
| Chugwater | $1,745 |
| Clearmont | $1,733 |
| Cody | $1,733 |
| Cokeville | $1,745 |
| Cora | $1,733 |
| Cowley | $1,733 |
| Crowheart | $1,733 |
| Daniel | $1,745 |
| Dayton | $1,685 |
| Deaver | $1,733 |
| Devils Tower | $1,805 |
| Diamondville | $1,745 |
| Dixon | $1,697 |
| Douglas | $1,709 |
| Dubois | $1,733 |
| Edgerton | $1,793 |
| Elk Mountain | $1,697 |
| Emblem | $1,733 |
| Encampment | $1,697 |
| Ethete | $1,757 |
| Etna | $1,745 |
| Evanston | $1,721 |
| Evansville | $1,793 |
| Fairview | $1,745 |
| Farson | $1,793 |
| Fe Warren AFB | $1,757 |
| Fort Bridger | $1,721 |
| Fort Laramie | $1,769 |
| Fort Washakie | $1,757 |
| Four Corners | $1,805 |
| Fox Farm-College | $1,757 |
| Frannie | $1,733 |
| Freedom | $1,745 |
| Frontier | $1,745 |
| Garrett | $1,757 |
| Gillette | $1,817 |
| Glendo | $1,781 |
| Glenrock | $1,721 |
| Granger | $1,781 |
| Granite Canon | $1,757 |
| Green River | $1,781 |
| Greybull | $1,733 |
| Grover | $1,745 |
| Guernsey | $1,745 |
| Hanna | $1,697 |
| Hartville | $1,745 |
| Hawk Springs | $1,745 |
| Hiland | $1,793 |
| Hillsdale | $1,757 |
| Hoback | $1,853 |
| Horse Creek | $1,757 |
| Hudson | $1,757 |
| Hulett | $1,805 |
| Huntley | $1,745 |
| Hyattville | $1,733 |
| Jackson | $1,853 |
| Jay Em | $1,769 |
| Jeffrey City | $1,757 |
| Jelm | $1,757 |
| Kaycee | $1,781 |
| Kelly | $1,841 |
| Kemmerer | $1,745 |
| Kinnear | $1,745 |
| Kirby | $1,733 |
| La Barge | $1,745 |
| Lagrange | $1,757 |
| Lance Creek | $1,805 |
| Lander | $1,757 |
| Laramie | $1,757 |
| Leiter | $1,721 |
| Linch | $1,769 |
| Lingle | $1,769 |
| Little America | $1,781 |
| Lonetree | $1,721 |
| Lost Springs | $1,769 |
| Lovell | $1,733 |
| Lucerne | $1,745 |
| Lusk | $1,769 |
| Lyman | $1,721 |
| Lysite | $1,769 |
| Manderson | $1,733 |
| Manville | $1,769 |
| Mc Kinnon | $1,793 |
| Medicine Bow | $1,697 |
| Meeteetse | $1,757 |
| Meriden | $1,757 |
| Midwest | $1,793 |
| Mills | $1,769 |
| Moorcroft | $1,805 |
| Moose | $1,841 |
| Moose Wilson Road | $1,853 |
| Moran | $1,829 |
| Mountain View | $1,697 |
| Natrona | $1,769 |
| Newcastle | $1,805 |
| Nordic | $1,745 |
| North Rock Springs | $1,793 |
| Opal | $1,745 |
| Osage | $1,805 |
| Otto | $1,733 |
| Parkman | $1,685 |
| Pavillion | $1,733 |
| Pine Bluffs | $1,757 |
| Pinedale | $1,745 |
| Point Of Rocks | $1,793 |
| Powder River | $1,769 |
| Powell | $1,733 |
| Ralston | $1,733 |
| Ranchester | $1,673 |
| Ranchettes | $1,757 |
| Rawlins | $1,697 |
| Recluse | $1,841 |
| Reliance | $1,793 |
| Riverton | $1,745 |
| Robertson | $1,733 |
| Rock River | $1,757 |
| Rock Springs | $1,793 |
| Rozet | $1,841 |
| Saddlestring | $1,769 |
| Saint Stephens | $1,745 |
| Saratoga | $1,697 |
| Savery | $1,697 |
| Shawnee | $1,721 |
| Shell | $1,733 |
| Sheridan | $1,673 |
| Shirley Basin | $1,697 |
| Shoshoni | $1,733 |
| Sinclair | $1,697 |
| Slater | $1,769 |
| Smoot | $1,745 |
| South Greeley | $1,757 |
| South Park | $1,853 |
| Story | $1,697 |
| Sundance | $1,805 |
| Superior | $1,805 |
| Ten Sleep | $1,757 |
| Teton Village | $1,853 |
| Thayne | $1,745 |
| Thermopolis | $1,745 |
| Tie Siding | $1,757 |
| Torrington | $1,769 |
| Upton | $1,805 |
| Van Tassell | $1,769 |
| Veteran | $1,745 |
| Vista West | $1,769 |
| Walcott | $1,697 |
| Wamsutter | $1,793 |
| Wapiti | $1,733 |
| Warren AFB | $1,757 |
| Weston | $1,841 |
| Wheatland | $1,769 |
| Wilson | $1,853 |
| Wolf | $1,721 |
| Worland | $1,757 |
| Wright | $1,793 |
| Wyarno | $1,673 |
| Yellowstone National Park | $1,733 |
| Yoder | $1,745 |
The insurance experts at Way.com have done a comprehensive analysis of the best car insurance companies to see which has the best coverage, rates, and service. You must do your research well, because not all of them can offer you the best auto insurance in Wyoming.
We recommend you follow some tried and tested tips to get the best policy and rates around.
Some insurance companies provide discounts based on several conditions, which could help you further save money. For example, you could save several hundred dollars if you agree to a 100% online application, agree to automatic payments, take out multi-car auto insurance, or if you're part of an automobile association. Contact them directly to find out which ones you qualify for.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
No, car insurance in Wyoming is generally very affordable, but it depends on your location, credit score, payment history, and more. Usually, Wyoming auto insurance rates are less than the national average of $1700.
The average cost of auto insurance in Wyoming is $1577 per year. Cities like Rock Springs, Sheridan, and Casper have annual rates lower than $1450 per year.
Full coverage car insurance in Wyoming will cost you $131 per month on average.
Yes, previous DUI violations will be taken into account when calculating auto insurance premiums in Wyoming. You may have to pay as much as $1000 more than the usual rate for a post-DUI auto insurance policy.
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