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.
The Zebra doesn't support your browser version, so please give us a call or upgrade your browser to the latest version.
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|
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:
These numbers reflect the minimum limits required in Wyoming but higher coverage amounts are available with most companies.
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.
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.
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 South Greeley, Wyoming, and the most expensive in Gillette, Wyoming.
|Rank||City||Avg. Annual Premium|
Our dogs were injured in a car accident where the other driver was totally at fault. Does the at-fault insurance ...
I am in the process of buying a new car and will need insurance on it. I am also moving ...
My rate recently increased with my insurance company so I started shopping around for a new policy. I found that, ...
Ban on all cell phones for drivers <18 years old
The DUI/DWUI lookback period in Wyoming is 10 years. Multiple drunk driving offenses within this timeframe will result in harsher penalties. In addition, penalties are also enhanced for a DUI/DWUI that causes an injury or death or while transporting a passenger under 18 years old.
First-time DUI offenses in Wyoming lead to:
In Wyoming, drivers are required to adjust their speed based on the conditions of the road. Additionally, drivers are speeding in Wyoming if their speeds exceed the posted limits or:
Driving a vehicle with a “willful and wanton disregard for the safety of persons or property” is considered reckless driving in Wyoming. In other words, a person whochoosesto disobey safe driving habits and the rules of the road is likely to be charged with reckless driving.
Any activity that causes a driver to move his or her hands from the steering wheel or fail to pay attention to the road is considered distracted driving in Wyoming. In 2017, 180 accidents in Wyoming were a result of cell phone use while driving. 377 accidents occurred because of in-vehicle distractions, 304 crashes because of outside distractions, and 51 because of distractions caused by other electronic devices.
It is illegal to engage in, aid, or abet in any speed or acceleration contest, exhibition, or racing in Wyoming. Racing in Wyoming is only permitted after approval from the governing body of whichever highway is planned to be the course for a race.
Wyoming is a fault-based state. After an accident, fault is assigned to one or more involved parties to determine their liability for an accident. Any party with 51 percent or more fault for an accident is “barred” from recovering damages.
If you are deemed able to be awarded damages, your compensation is reduced by your fault for the accident. For example, if you are 30 percent at-fault for an accident, you would only recover 70 percent of your damages.
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|
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Wyoming area, while also getting an insider view of the Equality or Cowboy State.
So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.
The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.
Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.
Your original video should not exceed 2 minutes
The video must be hosted on YouTube or Vimeo
Email your submission to email@example.com
your name, address, and phone number when you submit
Selected winner(s) will be awarded a check for $1,000
Applications must be received by 11:59 p.m. CST on December 31st, 2019
Winner(s) will be selected and notified by email by January 31st, 2020
The winner will be selected based on creativity in the content and presentation
*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.
By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...