Compare rates from the best auto insurance companies 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.
Drivers with good 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||$428||24.25%|
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.
|Age||Annual Rate with Parents||Annual Rate Alone|
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 Factor||Annual Rate||% Increase|
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.
Compare local and national insurers' financial strength and claims satisfaction ratings to better understand the level of service they will provide. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Poor" to "Superior" — determines an insurer's financial strength and ability to meet its policy and contractual obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Cal Casualty||Not Rated||Excellent|
|National Farmers Union||Not Rated||Excellent|
The minimum insurance requirement in Wyoming is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $20,000 Property Damage per accident.
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.
Compare average rates for liability-only and comprehensive car insurance levels below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In Wyoming, the state minimum coverage requirement is liability insurance with limits of:
If you receive a ticket or citation, your car insurance rates may go up. By how much depends on the violation's severity, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at typical auto insurance rates in Wyoming after a few common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,371||72%||$996|
|Refused Breathalyzer/Chemical Test||$2,220||61%||$845|
|Driving with a Suspended License||$2,007||46%||$632|
|Driving with an Open Container||$1,650||20%||$275|
|Operating a Vehicle Without Permission||$1,588||15%||$213|
|Passing a School Bus||$1,588||15%||$213|
|Following Too Closely||$1,588||15%||$213|
|Failure to Stop at a Red Light||$1,568||14%||$193|
|Driving Wrong Way/Wrong Lane||$1,588||15%||$213|
|Failure to Yield||$1,588||15%||$213|
|Speeding in a School Zone||$1,817||32%||$442|
|Driving Too Slowly||$1,817||32%||$442|
|Driving with Expired Registration||$1,568||14%||$193|
|Failure to Show Documents||$1,568||14%||$193|
|Failure to Use Child Safety Restraint||$1,568||14%||$193|
|Failure to Wear a Seat Belt||$1,568||14%||$193|
|Driving Without Lights||$1,550||13%||$175|
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.
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.
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 Rawlins, Wyoming, and the most expensive in Gillette, Wyoming.
|Rank||City||Avg. Annual Premium|