Car Insurance in Wyoming

Car insurance quotes in Wyoming

The average car insurance rate in Wyoming is $807 for a six-month policy — 31% cheaper than the U.S. average.^[1] But don’t be fooled — your location is just one piece of the puzzle. Car insurance rates in Wyoming are shaped by a variety of factors, including your age and driving history.

According to our data, 39% of Wyomingites believe they’re overpaying for car insurance.^[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options. 

*Note: If it weren't for USAA's strict eligibility guidelines, it would be our top choice for car insurance providers in Wyoming. The Zebra focuses on providers accessible to most consumers, so it's excluded from our list. If you're eligible for USAA, it's an excellent choice.

What are the best car insurance companies in Wyoming?

We’ve named State Farm as Wyoming's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like JD Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.

Add insurance companies to the tool below to see how each stacks up against our pick on a national level.

Cheap liability insurance in Wyoming

The average cost for liability insurance in Wyoming is $156 for a 6-month policy.^[1] For our user profile, GEICO offers the most affordable liability insurance options in the state at $14/mo.

If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Wyoming, a full coverage insurance policy with a $500 deductible costs $807, considerably more than liability-only car insurance.

According to our data, 40% of Wyoming drivers carry only the state-required liability coverage.^[2] In Wyoming, the law mandates minimum liability limits of 25/50/20. Learn more about car insurance requirements in the state of Wyoming with our helpful guide.

Cheap full coverage insurance in Wyoming

In 2026, the average cost of full coverage insurance in Wyoming is $807 for a six-month policy. Full coverage is a popular choice here, with 60% of The Zebra’s Wyoming customers opting for quotes that offer this more comprehensive protection.^[2]

While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from State Farm — as our latest data shows they have the cheapest rates in Wyoming.

Car insurance in popular Wyoming cities

Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Sheridan, Wyoming, and the most expensive in Gillette, Wyoming.

Have a look at the table below to see average car insurance costs in some of Wyoming's biggest cities.

Wyoming auto insurance quotes after an accident or ticket

Your driving history plays a major role in what you’ll pay for car insurance in Wyoming. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Wyoming insurers after an at-fault accident.

Wyoming car insurance for high-risk drivers

For high-risk drivers in Wyoming with serious infractions like a DUI (called a DWUI in Wyoming or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.

Understanding Wyoming's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.

Cheap car insurance after a DUI in Wyoming

If you're convicted of a DUI/DWUI violation in Wyoming, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Wyoming.

There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DWUI citation is to shop around.

How have average car insurance costs in Wyoming changed?

Wyoming's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.

This kind of volatility highlights why it pays to shop around — insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.

Wyoming car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Wyoming auto insurance.