How Much Does Wyoming Auto Insurance Cost?

The Zebra
Feb. 7, 2019

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.


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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 more risky.

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.


WYOMING AUTO INSURANCE PRICES BY AGE
AgeAverage 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.


WYOMING AUTO INSURANCE PRICES BY GENDER
GenderAverage 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.




Mean 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.


WYOMING CAR INSURANCE RATES BY MARITAL STATUS
Marital StatusAverage 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 the 26th most expensive in the nation. If you think you're overpaying for your auto insurance, weigh your options. You never know what savings you'll find!




Average Auto Insurance Prices in Wyoming by Credit History

Car insurers rely on credit history to predict how reliable a customer will be. Historical data show drivers who maintain 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 $707.43 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:


WYOMING CAR INSURANCE PRICES BY CREDIT SCORE
Credit LevelAverage 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 $508.25 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 $845.50.


WYOMING CAR INSURANCE RATES AFTER INFRACTIONS
AgeAverage 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.


WYOMING CAR INSURANCE COSTS BY COVERAGE TYPE
Coverage LevelAverage 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.