Car insurance costs in Wyoming vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. American National Finance offers the cheapest annual rates for full coverage car insurance in Wyoming at $827 annually.
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.
- 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%.
How much is car insurance in Wyoming?
CarInsurance.com data found that drivers in Wyoming pay $146 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
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 policies are the most affordable option and provide the minimum coverage required in Wyoming. However, they don’t offer much 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 is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance 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 car insurance requirements to remain legally compliant.
Liability-only car insurance in Wyoming
According to CarInsurance.com data, liability-only car insurance costs $331 in Wyoming for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Wyoming
On average, premiums for full coverage car insurance in Wyoming cost $1,758 per year for the 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Wyoming
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, people living in higher-risk neighborhoods of Wyoming have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
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 ( Liability - Minimum)
Estimate car insurance in Wyoming by car model
Car insurers in Wyoming use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
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 car insurance costs for your car 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
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Wyoming drivers aged 30 to 60 have the lowest average auto insurance rates at $1,694 annually.
Drivers aged 16-19 pay $3,343 more for car insurance than Wyoming drivers aged 30-60 per year.
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 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,694 annually in Wyoming.
- For senior drivers: Drivers aged 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.
Here’s a breakdown of how much your car insurance rate goes up in Wyoming following 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, comparing quotes can still help you save money.
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.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
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.
Begin your search for the top car insurance policy in Wyoming by getting quotes from multiple insurance providers and comparing them.
Below are the details of Wyoming car insurance companies and their 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 costs differ from city to city in Wyoming, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Wyoming’s major cities.
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.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
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
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
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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