Cheap Wyoming car insurance

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.

Cheap Car Insurance

Cheap Insurance for Good Drivers in Wyoming

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%.

Cheap Insurance for Young Drivers in 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.

Cheap Car 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.

What are the Best 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.

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.

What is the Best Car Insurance Coverage in Wyoming?

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.

Car Insurance Laws

State minimum insurance requirements in Wyoming

In Wyoming, the state minimum coverage requirement is liability 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

Liability coverage is legally required in Wyoming and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Wyoming, the minimum is listed as 25/50/20 and explained below:

• $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
• $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
• $20,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Wyoming but higher coverage amounts are available with most companies.

Wyoming Car Insurance FAQs

Are digital insurance cards accepted in Wyoming?

Yes. If you happen to find yourself pulled over by a police officer in Wyoming you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

What are the most popular car insurance companies in Wyoming?

USAA, State Farm, and GEICO are among the most popular auto insurance companies in Wyoming.

What car insurance do I need in Wyoming?

Wyoming's bodily injury minimums are $25,000 per person and $50,000 per accident, and $20,000 in property damage coverage. If you have a loan or lease on your vehicle, more coverage may be required.

How Do Tickets Affect Car Insurance Premiums 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.