What's the Average Cost of Car Insurance in Wyoming?

The Zebra
Oct. 11, 2018

Auto insurance is typically inexpensive in Wyoming. The average auto insurance price in Wyoming is $1,338 per year — 6.2% less than the US average.

But auto insurance premiums are impacted by factors other than location. Car insurance premiums consider a number of factors, including the insured party's age, gender, marital status, credit, and driving history.

We reviewed average Wyoming car insurance rates by all of the most common rating components. Continue reading to learn how much car insurance runs in each state — or enter your zip code to receive personalized rates from top car insurance companies.


Average Car Insurance Rates in Wyoming by Age Bracket

It’s a fact of life: as you age, your auto insurance rates change. As a general rule, auto insurance is more expensive for teenage drivers, as car insurers see inexperienced drivers as less responsible.

In Wyoming, car coverage costs $5,573 per year for a 16-year-old driver, versus $1,155 per year for a driver in their 50s.


WYOMING CAR INSURANCE COSTS BY AGE BRACKET
Age Average Annual Premium
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



Average Auto Insurance Expenditures in Wyoming by Gender

While gender doesn’t make as large an effect on car insurance costs as state or age, it is utilized as a rating factor. Women pay less than do men for car insurance in Wyoming, but the difference is just $44.99 per year.

WYOMING AUTO INSURANCE PRICES BY GENDER
Gender Average Annual Cost
Male $1,338.63
Female $1,293.64



Mean Auto Insurance Rates in Wyoming by Marital Status

One benefit of marriage — aside from the honeymoon — is the lower prices you typically receive on your auto insurance. In the state of Wyoming, married drivers save $26 per year on car insurance policies. This is a smaller discount than the national average of $76.


WYOMING CAR INSURANCE RATES BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,338.63
Married $1,312.96
Divorced $1,338.63
Widowed $1,338.63



Average Car Insurance Rates in Wyoming by Credit

Car insurance companies reference credit history to determine how responsible a customer will be. Data trends demonstrate drivers who maintain solid credit are more dependable car insurance customers: they less frequently file claims that insurance companies must repay.

In Wyoming, a motorist with outstanding credit saves $707.43 annually on car insurance rates, contrasted with a driver who has a poor credit history. Read more about how credit may impact auto insurance costs:


WYOMING AUTO INSURANCE RATES BY CREDIT TIER
Credit Level Average Annual Premium
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



Average Auto Insurance Costs for Bad Drivers in Wyoming

If you've been found at fault in a driving incident or convicted of a driving infraction, your auto insurance costs are bound to grow. The more offenses you accumulate, the more expensive your car insurance policy gets.

In Wyoming, your first minor at-fault accident costs $508.25 annually in car insurance premiums. A DUI or DWI — among the most severe driving violations — can boost your yearly insurance rates in Wyoming by as much as $845.50.


WYOMING AUTO INSURANCE PRICES AFTER VIOLATIONS
Age Average Annual Rate
DUI or DWI $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 in need of affordable auto insurance, think about getting quotes to get inexpensive insurance coverage that suits your needs.


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