- The average cost of car insurance in Wyoming is $1,758 a year or $146 per month, based on our data analysis.
- Minimum liability coverage in Wyoming costs around $288 annually for limits of 25/50/20, while liability-only coverage costs $331 per year for limits of 50/100/50.
- American National Finance provides the most affordable annual rates for full coverage car insurance in Wyoming, costing $827 per year.
- In Wyoming, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 32%, a DUI raising rates by 75%, and an at-fault accident by up to 31%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that American National Finance offers the most affordable car insurance at $827 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Wyoming. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Wyoming and how much you need.
How much is car insurance in Wyoming?
According to CarInsurance.com data, drivers in Wyoming pay about $146 per month for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in Wyoming based on driver profile:
- Teen drivers in Wyoming pay the most — about $420 a month or $5,037 a year.
- Young drivers in their 20s pay an average of $235 monthly or $2,817 annually, for car insurance.
- Senior drivers pay around $145 monthly or $1,743 a year.
- A speeding ticket can increase your rates to $205 monthly or $2,461 annually.
- An at-fault accident increases car insurance rates to $204 a month or $2,453 a year.
- Poor credit drivers usually see their car insurance costs increase to $248 monthly or $2,979 annually.
Average cost of auto insurance in Wyoming by coverage level
In Wyoming, car insurance rates can differ depending on how much coverage you choose. Drivers in Wyoming are required by law to have minimum insurance coverage limits of 25/50/20 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Wyoming, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Wyoming for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $24 | $288 |
| Liability Only – 50/100/50 BI/PD | $28 | $331 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $146 | $1,758 |
State minimum car insurance in Wyoming
Wyoming laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $20,000 for property damage liability.
In Wyoming, you can get state minimum car insurance for $288 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Wyoming must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Wyoming
Liability-only car insurance costs $331 in Wyoming for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Wyoming
The average annual premium in Wyoming is $1,758 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Wyoming
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Wyoming pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Wyoming
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
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Estimate car insurance in Wyoming by car model
In Wyoming, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle make and model in Wyoming.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Wyoming
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Wyoming drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,694 annually.
Car insurance for drivers aged 16-19 costs $3,343 more annually than Wyoming drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,037 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,677 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,694 per year in Wyoming.
- For senior drivers: Drivers age 65 and older can expect to pay $1,743 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Wyoming
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Wyoming, a DUI conviction lead to increased rates and you may see a rate hike of up to 75% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Wyoming, be prepared for your car insurance rates to rise by up to 32% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 32% increase
- DUI conviction: 75% increase
- At-fault accident (bodily injury and property damage): 31% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Wyoming for high-risk drivers
In Wyoming, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Wyoming
Drivers in Wyoming can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Wyoming by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Wyoming and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| American National Finance | $177 | $221 | $827 |
| State Farm | $245 | $297 | $1,521 |
| Farmers | $359 | $419 | $1,623 |
| GEICO | $174 | $203 | $2,514 |
| Allstate | $624 | $658 | $2,831 |
| USAA | $164 | $190 | $1,230 |
Car insurance rates by city in Wyoming
Teton Village is the most expensive city in Wyoming, with an average car insurance rate of $1,825 a year. Cheyenne is the cheapest city for Wyoming drivers at an average rate of $1,676 annually.
Car insurance rates vary by city in Wyoming for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Wyoming.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Wyoming per month?
Car insurance in Wyoming costs an average of $146 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $24 |
| Liability Only – 50/100/50 BI/PD | $28 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $146 |
Final thoughts on choosing car insurance in Wyoming
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Wyoming.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Wyoming. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/20.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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