Cheap Wyoming Car Insurance

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

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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. We’ll get you prepped, then you take the wheel.


 

Affordable Insurance Premiums 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 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%.

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

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.

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 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.

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

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.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allstate3Superior
Cal CasualtyNot RatedExcellent
GEICO3Superior
GrangeNot RatedExcellent
National Farmers UnionNot RatedExcellent
Safeco3Excellent
State Farm3Superior
The Hartford4Excellent
USAA5Superior

 

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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.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Wyoming$368.50$1,102.41$1,340.21
National Average$657.66$1,241.26$1,397.94

Wyoming Auto Insurance Laws

State minimum insurance requirements in Wyoming

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

Learn more about auto insurance laws in Wyoming

Ticket Impact on Auto 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

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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.

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.

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 Rawlins, Wyoming, and the most expensive in Gillette, Wyoming.

RankCityAvg. Annual Premium
1Gillette$1,495
2Newcastle$1,492
3Green River$1,454
4Worland$1,450
5Buffalo$1,445
6Torrington$1,438
7Laramie$1,435
8Evanston$1,428
9Mills$1,423
10Casper$1,423
11Cheyenne$1,422
12Douglas$1,420
13Cody$1,419
14Powell$1,419
15Sheridan$1,394
16Rawlins$1,384

Recent Wyoming Car Insurance Questions and Answers

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.

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.

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.


Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.