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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. The average car insurance rate in Wyoming is $1,528 per year — almost exactly the same as than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Wyoming car insurance rates for these rating factors in an effort to help you find an affordable policy.

Read on to learn how much auto insurance costs in Wyoming based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.

The best car insurance companies in Wyoming

Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Wyoming.

1st place medal
USAA

Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 879 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the state of Wyoming.

2nd place medal
State Farm

State Farm scored a 844 in this region on J.D. Power's Auto Satisfaction study and a 4.5 stars out of 5 on The Zebra's Customer Satisfaction Survey.

3rd place medal
PEMCO Insurance

PEMCO Insurance placed third in this region with a score of 835 in J.D. Power's 2021 Auto Insurance Study. 

Key takeaways
  • Wyoming drivers pay about average rates for car insurance, with the cheapest major car insurance company being American National P&C.

The cheapest car insurance companies in Wyoming

These companies offer the cheapest rates in the following scenarios.

medal
Cheapest for young drivers: USAA

The cheapest rates are from USAA at $2,923 annually, or $244 per month.

medal for most affordable
Cheapest for minimum liability: GEICO

For the minimum required coverage in Wyoming, GEICO is the cheapest on average. 

Most affordable medal
Cheapest for DUI: American National P&C

If you have a DUI on your record, check out American National P&C for the cheapest average rates.

Company Avg. Annual Premium
American National $759
USAA $1,023
State Farm $1,237
GEICO $1,443
Farmers $1,650
MetLife $2,006
Allstate $2,755
Updated: 09/27/22.

Dynamic auto insurance data methodology

Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.


Wyoming auto insurance laws

Car insurance is mandatory in almost every state, including Wyoming. If you choose the legal minimum coverage level in Wyoming, expect to pay an average of $325 annually. This expenditure is less expensive than the nationwide average by 40%. 

For the legal minimum coverage level in Wyoming, expect to pay about $325 per year.

State minimum coverage

In order to drive legally in the state of Wyoming, you must carry at least the minimum liability limits listed below:

  • 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
car with blue windshield

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 comprehensive insurance policy with a $1,000 deductible costs $1,255, 286% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 376% more than you would for basic coverage.

In Wyoming, a comprehensive insurance policy with a $1,000 deductible costs $1,255, 286% more than liability-only car insurance

The Zebra's guide to Wyoming car insurance laws


Learn more about car insurance requirements in the state of Wyoming with our helpful guide.


Compare car insurance rates from the best companies in Wyoming.

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Wyoming car insurance premiums by rating factor

Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Wyoming.

Cheap auto insurance in Wyoming for minimum coverage

Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In Wyoming, the average cost for minimum coverage is $27 per month, or $325 yearly — a savings of $1,223 compared to full coverage.

Company Avg. Annual Premium
GEICO $176
American National $199
USAA $201
State Farm $252
MetLife $355
Farmers $382
Allstate $546
Updated: 09/27/22.

Cheap auto insurance in Wyoming with bad credit

Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Wyoming drivers with poor credit pay 50% more per year than those with exceptional credit. Have a look at some common rates by credit tier below.

Company Avg. Annual Premium
American National $1,083
Farmers $1,983
GEICO $1,984
State Farm $2,059
USAA $3,073
Allstate $3,837
MetLife $4,622
Updated: 09/27/22.

Cheap auto insurance in Wyoming with an at-fault accident

Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $463 per year.

Safe driver discounts

In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.

Company Avg. Annual Premium
USAA $1,268
American National $1,300
State Farm $1,552
Farmers $1,944
GEICO $2,166
MetLife $3,076
Allstate $3,701
Updated: 09/27/22.

Cheap auto insurance for young drivers in Wyoming

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 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, teen drivers pay especially high rates: $4,849 per year — that's $53 more than the nationwide average and over twice as much as a typical Wyoming driver.


Wyoming auto insurance rate by violation

In Wyoming, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, 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

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
One Med/PIP claim $1,589 0% $0
None $1,589 0% $0
Driving without lights $1,666 5% $77
One comp claim $1,692 6% $103
Two Med/PIP claims $1,692 6% $103
Failure to show documents $1,728 9% $140
Failure to wear a seat belt $1,728 9% $140
Child safety restraint $1,728 9% $140
Not-at-fault accident $1,750 10% $161
Cell phone violation $1,770 11% $181
Texting while driving $1,770 11% $181
Driving with expired registration $1,786 12% $197
Wrong way/wrong lane $1,795 13% $207
Failure to yield $1,795 13% $207
Following too closely $1,795 13% $207
Illegal turn $1,795 13% $207
Failure to stop at a red light $1,795 13% $207
Improper passing $1,805 14% $216
Passing school bus $1,847 16% $258
Two comp claims $1,890 19% $301
Open container $1,895 19% $307
Speeding 21 - 25 MPH over limit $1,937 22% $349
Speeding 16 - 20 MPH over limit $1,937 22% $349
In 65 MPH zone $1,937 22% $349
Speeding 11 - 15 MPH over limit $1,937 22% $349
Speeding 6 - 10 MPH over limit $1,937 22% $349
Driving too slowly $1,937 22% $349
Speeding in school zone $1,937 22% $349
Operating a vehicle without permission $2,047 29% $458
At-fault accident - less than $1000 $2,121 33% $532
At-fault accident - $1000-$2000 $2,153 36% $564
At-fault accident - greater than $2000 $2,153 36% $564
Racing $2,454 54% $865
Driving with a suspended license $2,522 59% $933
Reckless driving $2,530 59% $942
Refusal to submit to a chemical test $2,588 63% $999
DUI $2,671 68% $1,082
Leaving scene of an accident/hit and run $2,699 70% $1,110
Updated: 09/27/22.

Wyoming DUI laws

In Wyoming, a DUI offense can increase your annual car insurance premium by an average of $1,084. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.

 
Low-cost car insurance after a DUI in Wyoming

If you're convicted of a DUI or DWI 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. For example, the least expensive car insurance company with a DUI in Wyoming, American National P&C, advertises annual rates 44% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Wyoming is State Farm, while the priciest firm is Metropolitan, with prices 77% above average.

Company Avg. Annual Premium
American National $1,473
State Farm $1,766
USAA $1,859
Allstate $3,160
Farmers $3,318
GEICO $3,698
MetLife $4,651
Updated: 09/27/22.

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

Compare and buy car insurance online or reach out to an insurance agent to assess your choices and find a cost-effective policy.

Learn more about car insurance and DUI infractions.

Wyoming SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Wyoming to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in Wyoming might require some research, but it could pay off in the end.

 

How to acquire an SR-22 in Wyoming

For currently insured drivers

If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.

 

For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

 

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.

 

Learn more about SR-22 certificate requirements and how they impact insurance premiums.

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Rates by city

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 Big Horn, Wyoming, and the most expensive in Wilson, Wyoming.

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

City Avg. Annual Premium
Casper $1,538
Rock Springs $1,577
Cheyenne $1,584
Laramie $1,610
Gillette $1,624
Updated: 09/27/22.

Car insurance price trends in Wyoming

In Wyoming, average annual auto insurance costs increased by $88 in the past year. A typical Wyoming driver pays an average of $1,548 per year.

The recent pricing trend in Wyoming leans toward slightly pricier car insurance costs and remains fairly consistent than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.

WYOMING CAR INSURANCE RATE TRENDS
Year Avg. Annual Premium — Wyoming Yearly Change — Wyoming Avg. Annual Premium — US Yearly Change — US
2021 $1,548 $88 $1,529 $46
2020 $1,460 $21 $1,483 $61
2019 $1,439 $48 $1,544 $23
2018 $1,391 -$405 $1,521 $84
2017 $1,796 $234 $1,437 $69
2016 $1,562 -$323 $1,368 $88
2015 $1,885 $216 $1,280 $51
2014 $1,669 $155 $1,229 $34
2013 $1,514 -$63 $1,195 -$80
2012 $1,577 $323 $1,276 $82

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.


Wyoming car insurance FAQs

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

How much is car insurance in Wyoming? Chevron down icon
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? Chevron down icon
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? Chevron down icon
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.

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RECENT QUESTIONS

Does a non-running vehicle need to be insured in Florida

There's a couple of things to think about here: If your car is registered you will need to have insurance on it, even if you are not driving it. If you do not have insurance, the state of Florida can suspend your license.
Aug 1, 2018 Miami, FL

Is car insurance mandatory in New Jersey if a person no longer uses their car to drive?

Here is a link a post that should answer your question. In New Jersey, you aren't required to maintain insurance coverage on a vehicle you are no longer driving, but the tags for your vehicle will need to be returned to the state.
Nov 18, 2016 Whippany, NJ

I just recently lowered my coverage deductible from $2000 to $250. When does that change go into effect?

Unless otherwise requested, changes on insurance policies go into effect right away. As long as you requested the change sometime before you began your trip, the deductible change is in effect as soon as you request it from your insurance company.
Nov 22, 2020 Victoria, TX

Which insurers will cover vehicles not manufactured for sale in the US?

Your best bet would likely be to contact a local, independent agent in your area because most national insurance companies will not cover a vehicle of that type. Independent agents normally offer a multitude of insurance options and there may be a few companies willing to insure your vehicle.
Jun 22, 2017 Olympia, WA

Renata Balasco photo
Renata BalascoContent Strategist

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist. Her expertise in property and casualty insurance informs her work in creating expert home and auto insurance guides to educate shoppers. 

Renata previously worked as a content specialist for Lifespan, the largest hospital system in the state of Rhode Island. She holds a bachelor’s degree in French Language and Communications from The University of Rhode Island.

Renata's work has been cited by Car and Driver, The Balance and Fox Business

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.