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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Auto insurance policies are affordable in Wyoming. The average auto insurance cost in Wyoming is $1,338 per year — 6.2% less than the national average.

But car insurance rates are affected by factors other than geography. Car insurance rates incorporate an array of factors, such as a driver's age, gender, marital status, credit and driving history.

We reviewed mean Wyoming car insurance premiums by each of the main rating factors. Read on to see how much car insurance costs in each state — or submit your ZIP code to view tailored prices from leading insurance companies.


Compare car insurance rates today!

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Average Wyoming car insurance rates by:
  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average auto insurance rates in Wyoming by age

It's impossible to avoid: as you age, your auto insurance expenditures change. Generally speaking, auto insurance is more costly for young drivers and teens, as car insurers see inexperienced motorists as riskier to cover.

In Wyoming, auto insurance costs $5,573 each year for a 16-year-old motorist, but only $1,155 annually for a driver in their 50s.

Age Average Annual Rate
16 $5,573.12
17 $4,527.60
18 $3,993.16
19 $3,314.11
20s $1,922.37
30s $1,329.12
40s $1,294.96
50s $1,155.40
60s $1,157.16
70s $1,352.43

If you're facing the prospect of getting a teen driver insured, it's worth noting Wyoming is the 16th cheapest state in which to buy auto insurance for a 16-year-old.



Average car insurance rates in Wyoming by gender

While gender doesn’t have as significant an impact on car insurance premiums as a driver's location or age, it is utilized as a rating factor by car insurance underwriters.

Gender Average Annual Rate
Male $1,338.63
Female $1,293.64

If you're worried you might not be getting the best deal with your current auto insurer, the best thing to do is to shop around.



Auto insurance premiums in Wyoming by marital status

A benefit of getting hitched — in addition to the honeymoon — is the lower rates you typically receive on your auto insurance. In Wyoming, married motorists save $26 each year on auto insurance policies. This is a smaller discount than the national average of $76.

Marital Status Average Annual Rate
Single $1,338.63
Married $1,312.96
Divorced $1,338.63
Widowed $1,338.63

Auto insurance for divorced drivers in Wyoming is moderately expensive, compared to nationwide averages. If you're overpaying for auto insurance, weigh your options. You never know what savings you'll find!



Average auto insurance prices in Wyoming by credit level

Car insurers rely on credit history to predict how reliable a customer will be. Historical data show drivers with excellent credit histories are more reliable auto insurance customers: they less commonly file claims for which insurance companies end up on the hook.

In Wyoming, a driver who has outstanding credit can save $707 each year in auto insurance premiums, contrasted with a driver who has a poor credit score. Read more about how credit score can affect car insurance premiums:

Credit Level Average Annual Rate
Very Poor (300-579) $1,915.88
Fair (580-669) $1,696.59
Good (670-739) $1,537.93
Very Good (740-799) $1,381.05
Exceptional (800-850) $1,208.45

Finding inexpensive auto insurance with bad credit is sometimes difficult. But we're here to help. Read our guide to getting car insurance with poor credit and start saving!



Average car insurance prices for high-risk drivers in Wyoming

If you’re discovered to be at fault in a car accident or convicted of a vehicular violation, your insurance premiums are going to grow. The more infractions you accumulate, the more expensive your car insurance gets.

In Wyoming, your first minor at-fault incident will lead to an extra $508 each year in car insurance premiums. A DUI — considered among the most grievous driving offenses — will raise your annual car insurance costs in Wyoming by an average of $845.

Age Average Annual Rate
DWI/DUI $2,183.91
Reckless Driving $2,296.13
At-Fault Accident (<$1,000) $1,846.66
At-Fault Accident ($1,000-$2,000) $1,846.67
At-Fault Accident (>$2,000) $1,846.66
Open Container $1,608.01
Speeding (21-25 MPH > limit) $1,766.87
Speeding (16-20 MPH > limit) $1,766.87

If you're facing above-average car insurance costs, think about weighing rates to get affordable insurance coverage that meets your requirements.



Average car insurance costs by coverage level in Wyoming

How much you pay per month for auto insurance depends on the level of coverage you maintain. Liability-only coverage normally costs less, while lower-deductible comprehensive coverage costs more. In Wyoming, the rate difference between state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $899.

Coverage Level Average Yearly Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only $372
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision $1,056
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision $1,270
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only $336
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision $1,021
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision $1,235
State Minimum — Liability Only $305
State Minimum — $1,000 Comprehensive/Collision $991
State Minimum — $500 Comprehensive/Collision $1,204

If your premiums are above-average, consider policy shopping to get inexpensive insurance coverage that suits you.


Compare premiums today.

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No junk mail. No spam calls. Free quotes.

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 editorial 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.