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Why Compare Car Insurance Rates in Wyoming:

  • On average, people who compare rates save about $970 a year on car insurance
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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.

What is the state-mandated minimum auto insurance coverage in Wyoming?

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).

What is the average cost of car insurance in Wyoming with minimum coverage?

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
The General $1,207
Statewide Average $1,232
State Farm $1,238
Progressive $1,329
Allstate $1,381
Iowa Farm Bureau $1,410
Farmers Insurance $1,497

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Do I need more than the minimum coverage auto insurance in Wyoming?

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.

How much is car insurance a month in Wyoming if you choose full coverage?

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
The General $1,273
Statewide Average $1,301
State Farm $1,343
Progressive $1,448
Allstate $1,462
Iowa Farm Bureau $1,488
Farmers Insurance $1,636

Wyoming Car Insurance Laws

  • Wyoming is an at-fault state, which means the driver responsible for causing the accident must pay for damages. After the authorities decide who is 'at fault' for the accident, the concerned persons insurance agency is liable to pay for both their own damage and the other driver's damages.
  • Wyoming is also a diminished value state. This means that after an accident, you may be entitled to claim the diminished value of your vehicle from the at-fault party's insurance company. However, you cannot submit a diminished value claim if you are the 'at-fault' driver in an accident.
  • Wyoming residents can choose an alternative called MedPay that covers medical expenses like hospital fees, funeral fees, EMT and ambulance fees etc.

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) laws in Wyoming

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.

Auto Insurance Coverage Types

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.

Proof of Auto Insurance in Wyoming

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:

  • Fines: You may have to pay anything between $250-1500 depending on whether it's your first or subsequent offence.
  • License Suspension: If caught without proof of insurance, you will be given a citation to submit the proof in court within 7 days. If not, you will be given 30 days to get valid proof of insurance and an SR-22.
  • Imprisonment: Depending upon the court, you may have to pay a fine, serve up to six months of jail time, or both.

You may need to pay further license reinstatement fees for letting your auto insurance lapse.

What is the average cost of car insurance in Wyoming?

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.

Cheapest Wyoming auto insurance quotes - Full Coverage

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
The General $1,273
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
The General $4,204 $5,929
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

Cheapest Wyoming car insurance for drivers with a speeding ticket

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
The General $1,237
State Farm $1,368
Statewide Average $1,460
Progressive $1,704
Allstate $1,540
Iowa Farm Bureau $1,822
Farmers Insurance $1,980

Cheap auto insurance for Wyoming drivers after a car accident

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. The General has the highest annual premium with $2280 (24% higher than the average)

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
The General $2,280

Does Wyoming car insurance count DUI?

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. The General auto insurance is the most expensive, costing more than three times as much as USAA's.

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
The General $3,590

Cheapest Wyoming auto insurance quotes for married drivers

Statistically, married drivers cause fewer accidents than single drivers, which moderates the annual auto insurance premiums in Wyoming. THE GENERAL offers the cheapest annual rates for married drivers with $1235 per year - almost $400 less than the state average. State Farm also offers a comparable price at $1303.

Company Annual rates
THE GENERAL $1235
State Farm $1303
USAA $1312
Farmers $1992
All State $2302

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Cheap full coverage Wyoming car insurance for drivers with poor credit

Driver with poor credit often pay higher insurance rates in Wyoming. THE GENERAL offers the best bet with $1600 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
THE GENERAL $1600
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
The General $1,994
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

Compare Wyoming car insurance rates in top cities

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.

CityAnnual 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

How to find the best car insurance in Wyoming

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.

  • Always compare different quotes: Different insurance providers offer rates based on their own calculations and methodologies. The best way to choose the right auto insurance is to shop around for rates, especially since premiums differ based on the state you live in.
  • Try regional insurance provides: While established insurance companies command the lion's share of the market, there are several smaller, regional providers who have great customer ratings and premium rates.
  • Improve your credit score: Having a poor credit score can increase your premiums by several hundred dollars, which can hurt your wallet. Having a solid payments history and good credit score is a must to get better rates.

How to Get Discounts on Car Insurance in Georgia

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.

Auto Insurance Data Methodology

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

Car Insurance in Wyoming: Frequently Asked Questions

Is insurance expensive in Wyoming?

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.

What is the average cost of car insurance in Wyoming?

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.

How much is car insurance a month in Wyoming?

Full coverage car insurance in Wyoming will cost you $131 per month on average.

Does Wyoming car insurance count DUI?

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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