Cheap Wyoming Car Insurance

Find affordable auto insurance that works for you in Wyoming. Compare quotes from over 100 top companies.

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Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

Here's what you need to know when driving in Wyoming

Across the Cowboy State, there are 58,385 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel. Read on to learn more about which insurance companies offer the cheapest average premiums in Wyoming for a variety of driving profiles, or submit your ZIP code above to receive personalized rates in under five minutes.


 

Affordable insurance companies in Wyoming

What's the cheapest car insurance in Wyoming?
RankCompany NameAvg. Annual Premium
1The Hartford$943
2Safeco$1,036
3USAA$1,072
4State Farm$1,295
5Cal Casualty$1,372
6Grange$1,548
7GEICO$1,654
8Farmers$1,960
9Metropolitan$2,262
10Allstate$2,598

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Cheap auto insurance for good drivers in Wyoming

Drivers with decent driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Wyoming drivers without a recent moving violation can save big, cutting 24% from their car insurance bill, on average — compared to the national average of 17% savings. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$42824.25%
No Accidents$50827.51%
Good Credit$57730.13%

 

Cheap auto insurance for young drivers Wyoming

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Wyoming, the average teen driver pays $3,548 — well below the national average but nearly three times the state average.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$2,898$5,573
17$2,727$4,528
18$2,897$3,993
19$2,380$3,314

 

Cheap auto insurance for bad drivers in Wyoming

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 38% after a DUI, 27% after an at-fault accident, and 24% after a speeding ticket in Wyoming. The post-citation penalties assessed by car insurance companies after DUI violations and at-fault accidents in Wyoming generally align with nationwide averages, but speeding tickets are penalized with larger-than-average rate increases. If you have a clean driving record, be sure to check for good-driving discounts from your insurer.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,84727.51%
DUI$2,18438.70%
Speeding Violation$1,76724.25%
Bad Credit$1,91630.13%

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Top rated car insurance companies in Wyoming

Each car insurance company brags about its low rates. But just like with any product, the cheapest choice is not always the best choice. Considering what's at stake, it's worth doing your due diligence to purchase an auto policy that will cover your car adequately after a collision. Be patient and look for the best value, rather than settling for the cheapest auto insurance you can find.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AllstateAbove averageAverageSuperior4.3 / 5
Cal CasualtyN/AN/AGoodN/A
FarmersAverageBelow averageExcellent4.3 / 5
GEICOAverageAverageSuperior4.4 / 5
Liberty MutualBelow averageAbove averageGood4.2 / 5
National Farmers UnionN/AN/ASuperiorN/A
SafecoAverageAverageExcellentN/A
State FarmAbove averageAbove averageSuperior4.5 / 5
The HartfordExcellentAbove averageExcellentN/A
USAAExcellentExcellentSuperior4.6 / 5

Wyoming auto insurance laws

In Wyoming, the state minimum coverage requirement is liability insurance with limits of:

  • Bodily injury liability: $25,000 per person
  • Bodily injury liability: $50,000 per accident
  • Property damage liability: $20,000 per accident

Optional coverage in Wyoming (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury

If you opt for the minimum required coverage in Wyoming, expect to owe a mean of $369 yearly. This is cheaper than the national average by 44%. If you elect better coverage, you can choose a policy with comprehensive and collision coverage, covering damages caused by car-vs.-car collisions, auto theft, or weather incidents. But better insurance coverage has a cost: in Wyoming, a comprehensive insurance policy with a $1,000 deductible costs $1,102, 199% more than liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 264% more than you would for basic liability-only coverage.

Learn more about auto insurance laws in Wyoming

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How tickets change insurance rates in Wyoming

If you receive a ticket or citation, your car insurance rates may go up. By how much depends on the violation's severity, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at typical auto insurance rates in Wyoming after a few common violations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,37172%$996
Refused Breathalyzer/Chemical Test$2,22061%$845
DUI$2,35571%$980
Racing$2,00746%$632
Reckless Driving$2,23663%$862
Driving with a Suspended License$2,00746%$632
At-Fault Accident$1,89738%$522
Driving with an Open Container$1,65020%$275
Operating a Vehicle Without Permission$1,58815%$213
Passing a School Bus$1,58815%$213
Improper Passing$1,58815%$213
Following Too Closely$1,58815%$213
Speeding$1,81732%$442
Failure to Stop at a Red Light$1,56814%$193
Illegal Turn$1,58815%$213
Driving Wrong Way/Wrong Lane$1,58815%$213
Failure to Yield$1,58815%$213
Speeding in a School Zone$1,81732%$442
Driving Too Slowly$1,81732%$442
Distracted Driving$1,46210%$87
Driving with Expired Registration$1,56814%$193
Failure to Show Documents$1,56814%$193
Not-at-Fault Accident$1,3911%$17
Failure to Use Child Safety Restraint$1,56814%$193
Failure to Wear a Seat Belt$1,56814%$193
Driving Without Lights$1,55013%$175

 

Wyoming car insurance FAQs

How much is car insurance in Wyoming?

Minimum liability coverage is very cheap in Wyoming: $184 for a six-month policy. Wyoming's rates for a full coverage policy are a bit closer to average: $670 for a six-month policy.

Who actually has the cheapest car insurance?

For an average driver, The Hartford has the cheapest rates at $471. If you do not qualify for The Hartford, consider Safeco at $518.

Is car insurance cheap in Wyoming?

If you only require liability insurance, Wyoming is a very cheap state for auto insurance. Our data shows minimum coverage in Wyoming is 78% cheaper than the national average. For full coverage insurance, Wyoming is only 4% cheaper.

How much does car insurance cost in Wyoming cities?

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

RankCityAvg. Annual Premium
1Gillette$1,495
2Green River$1,454
3Laramie$1,435
4Evanston$1,428
5Mills$1,423
6Casper$1,423
7Cheyenne$1,422
8Douglas$1,420
9Cody$1,419
10Sheridan$1,394

 

Recent Questions:

Does car insurance cover vet bills for injured dogs?

Sorry to hear about your accident. There are some insurance companies that offer pet coverage for this exact situation, but if not, the injuries to your pets should be covered by the property damage liability of the at-fault party's insurance.
May 5, 2019 Star Valley Ranch, WY

Am I liable for any damage caused by an RV after I sell it?

The only way that you could be held liable for the damage would be if you were still the titled owner of the RV. Once the title is transferred to the buyer then you are no longer responsible for anything that happens with it. Even if you had not yet canceled the RV insurance coverage, the transfer of ownership means that insurance policy would not provide any coverage if it is wrecked. The liability now stands with the new owner of that RV and not with you.
Aug 9, 2017 Woodland, WA

Why is car insurance so expensive in Wyoming?

Our State of Insurance Report actually shows that the average premium in Wyoming of $1176 is below the nation average of $1323 per year. Since rates are partially based on the number of claims and damaging whether events in certain areas, it's possible that your rate is being impacted by things that are out of your control.
Aug 3, 2017 Frannie, WY

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.