Cheap Wyoming Car Insurance

Compare the best rates from 5 car insurance companies in Wyoming.

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.

Cheap Car Insurance

It's expensive to get car insurance in Wyoming!

Dang! Wyoming is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Wyoming might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Wyoming?
Rank Company Premium
1 USAA $637
2 Safeco $927
3 The Hartford $943
4 National Farmers Union $990
5 GEICO $998
6 State Farm $1,033
7 Grange $1,098
8 Cal Casualty $1,372
9 Allstate $2,083

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 $428 24.25%
No Accidents $508 27.51%
Good Credit $577 30.13%

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.

Age Annual Rate with Parents Annual 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 Factor Annual Rate % Increase
At-Fault Accident $1,847 27.51%
DUI $2,184 38.70%
Speeding Violation $1,767 24.25%
Bad Credit $1,916 30.13%
Car Insurance Laws

State minimum insurance requirements in Wyoming

In Wyoming, the state minimum coverage requirement is liability with limits of:
Optional coverage in Wyoming (varies by carrier):

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.

Top Wyoming Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Wyoming.

Car Insurance FAQs

Are digital insurance cards accepted in Wyoming?


What does this mean for you?

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.

Do I need uninsured motorist coverage in Wyoming?

Uninsured Drivers in Wyoming




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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 Sheridan, Wyoming, and the most expensive in Newcastle, Wyoming.

Rank City Avg. Annual Premium
1 Newcastle $1,243
2 Jackson $1,206
3 Evanston $1,200
4 Worland $1,199
5 Gillette $1,197
6 Buffalo $1,196
7 Douglas $1,192
8 Lander $1,192
9 Riverton $1,183
10 Torrington $1,180
11 Wheatland $1,180
12 Laramie $1,174
13 Rock Springs $1,173
14 Green River $1,171
15 Rawlins $1,168
16 Cody $1,163
17 Powell $1,163
18 Ranchettes $1,156
19 Warren AFB $1,156
20 Cheyenne $1,155
21 Fox Farm-College $1,154
22 South Greeley $1,153
23 Mills $1,151
24 Casper $1,150
25 Sheridan $1,144

Recent Wyoming Car Insurance Questions and Answers

What address should I use for a new car insurance policy if I am about to move to a different state but don’t know the address?

Aug 17, 2017

I am in the process of buying a new car and will need insurance on it. I am also moving ...

Why is car insurance so expensive in Wyoming?

Aug 04, 2017

My rate recently increased with my insurance company so I started shopping around for a new policy. I found that, ...

Driving Laws

Wyoming Texting and Driving Laws

  1. Ban on all cell phones for drivers <18 years old
  2. Ban on text messaging for all drivers
Alcohol Related Fatalities


Per Year in Wyoming
Annual DUI Arrests
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.

Wyoming Tour Guide Scholarship

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, Wyoming 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.

Please Note:

  • The length of the road trip to your feature destination 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.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and 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.

Fine Print

  • 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.