Car insurance costs an average of $111 per month in Wyoming. Learn more about how insurance premiums are set.
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.
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|
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.
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|
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.
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|
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!
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|
|Very Good (740-799)||$1,381.05|
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!
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|
|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|
|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.
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.