Small cities and long distances mean Wyoming drivers spend a lot of time in their cars in conditions that can turn mean any month of the year. Below you'll find details about what Wyoming requires in the way of car insurance and a comparison of state car insurance rates in every ZIP code in the state. You'll get an idea of how much you can save by shopping around, as you'll see the highest rate and lowest rate issued from among six insurers for your ZIP code.


Wyoming Car Insurance Rates by ZIP Code

Coverage Types
*Please enter valid Zip
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
82009, Cheyenne,  For 30 Year Old  Male  (Type:  Liability - Minimum )
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Cheap car insurance in Wyoming

Wyoming car insurance requirements

Minimum CoverageMinimum Limit
Minimum bodily injury liability$25,000/$50,000
Minimum property damage liability$20,000

The cheapest car insurance may not provide sufficient protection, so how much insurance should you buy? Bare-bones coverage may be a good choice if you have few assets or have an old car and don’t drive much. But if you have a home and investments, consider buying more insurance. If you don’t, you’re at risk for having your money and house taken to cover the cost of an accident. If you financed your car you will be required to get additional comprehensive and collision coverage.

Use our How Much Car Insurance Do You Need? tool to get a recommendation.


We recommend you buy more insurance than is required to legally drive a car in your state, especially if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:

  • less than $50,000, choose at least 50/100/50
  • between $50,000 and $100,000, choose at least 100/300/100
  • more than $100,000, choose at least 250/500/100

If you're leasing or financing your car, you must get coverage of 100/300/100 or higher.

Collision and comprehensive

Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. If your car is:

  • less than 10 years old, you should strongly consider buying collision and comprehensive.
  • more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn’t afford to replace your car if it’s wrecked, or if you just want more protection on your policy.

For drivers in Wyoming, collision costs an average of $653 yearly, comprehensive is $346, according to rate data. If you buy comp and collision, check our guide to choosing a deductible amount.

Medical coverage (MedPay)

Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. In most states, including Texas, it's an optional addition to your car insurance policy. MedPay does the following:

  • Covers you and your passengers’ medical expenses
  • Pays for expenses after health insurance limits are exceeded
  • Offers additional protection to insured drivers who are hit by a car while walking or biking

If you and your passengers:

  • Don’t have health insurance, or have a plan that doesn’t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
  • Do have health insurance, it’s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.

Gap insurance

If you don’t own your car outright and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.

  • If you’re financing your car, your car is less than one year old and you’ve put less than 20 percent down on it, you should buy gap insurance. If not, you don’t need gap insurance.
  • If you’re leasing your car, it’s a good idea to buy gap insurance if you aren’t already required to in your lease agreement.
  • If you own your car outright, you don’t need gap insurance.

Coverage limitsAverage annual rate
Liability Only - state minimum$339
Liability Only - 50/100/50 BI/PD$360
Full Coverage - 100/300/100 BI/PD $500 Comp/Collision deductible$1,494

**The table shows the average annual rate of nearly every ZIP code in Wyoming from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for by Quadrant Information Services.

Cheapest car insurance in Wyoming by company

Below you'll see average annual rates for Wyoming, ranked cheapest to most expensive, for three coverage levels:

  • State minimum liability requirements
  • Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
  • Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible

CompanyState minimum average annual rate50/100/50 average annual rate100/300/100 average annual rate
Allstate Fire & Cas Ins Co$558$559$1,874
Farmers Ins Exch$389$422$1,688
Geico Gen Ins Co$174$194$1,287
State Farm Mut Auto Ins Co$235$266$1,128

Low cost auto insurance for Wyoming drivers with recent accidents

Filing an accident claim means you are likely to pay more for your car insurance coverage. However, how much more you pay depends on several factors, and your car insurance company plays is one of those significant factors. Each company assesses risk differently, so that's why the increase after an accident will vary among insurers. Here is how major carriers compare after at-fault accidents for the average Wyoming driver with a full coverage policy:

Company1 At-fault property damage accident over $2K2 At-fault property damage accident over $2kAt-fault bodily injury accident
Allstate F&C$2,727$3,320$2,727
GEICO General$1,685$2,234$1,685
Mid-Century Ins Co$2,059$3,570$2,059
State Farm Mutual Auto$1,282$1,671$1,282

*The table shows the average annual rate of nearly every ZIP code in Wyoming from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for by Quadrant Information Services.

Who has the cheapest Wyoming car insurance for drivers with speeding tickets?

If you get a speeding ticket, chances are you'll see an increase in what you pay for car insurance, upon your policy renewal. Typically, you'll pay more for three years. But even with a traffic ticket, comparison shopping can save you money. For instance, you'll see that the difference between the highest rate and the lowest in the table below is more than $1,880, on average, according to's rate analysis. That's how much you can save by comparing car insurance companies.

CompanyAverage Rate
State Farm Mutual Auto$1,040
Mid-Century Ins Co$1,844
Allstate F&C$2,275
GEICO General$2,921

How much does it cost to add a teen to your policy in Wyoming?

No matter where you live, adding a new driver to your family policy will hike your rate significantly. In Wyoming, you can expect your rate to go up by an average of 143 percent when adding a driver age 16 to your coverage, according to rate data. You'll see in the table below how much it costs, on average, to add a teen driver in Wyoming, and how major insurers compare on price. State Farm Mutual Auto had the lowest auto insurance cost for adding a driver age 16 to a full coverage family policy, among insurers surveyed.

CompanyAverage RateAverage Rate after adding female teen$ Increase (female)Average Rate after adding male teen$ Increase (male)
Allstate F&C$2,012$3,697$1,685$4,353$2,340
GEICO General$1,521$2,419$898$3,075$1,555
Mid-Century Ins Co$1,736$3,122$1,387$4,028$2,292
State Farm Mutual Auto$1,040$2,873$1,833$3,863$2,822

Cheapest Wyoming auto insurance for young drivers: Ages 18 to 25

Enter an age from 18 to 25 to see who has the best rates for young drivers in Wyoming, by company.

You’ll see in the chart below which car insurance companies have the lowest rates for young drivers buying a full coverage policy. Average car insurance rates by age data shows that drivers typically pay higher rates until age 26, when rates begin to drop as drivers gain more experience on the road. But even young drivers can save money by comparing car insurance rates to see which company has the lowest rates, by qualifying for student discounts and by staying on their parents’ policy as long as possible.

Senior drivers: Cheap auto insurance for Wyoming drivers age 65 to 85

Below you can see average rates by company for drivers age 65 and over, buying a full coverage policy. While comparing car insurance quotes is always one of the primary ways to save on coverage, you can also see if you qualify for a mature driver discount or if you can trim rates by taking a defensive driving course.

Car insurance for Wyoming drivers with bad credit

Car insurance for drivers with bad credit costs significantly more than it does for those with good credit. Wyoming ranks 47th  among the worst states for drivers with bad credit, as's data analysis shows. Compared to good credit drivers, those in Wyoming with bad credit pay 38 percent more, on average. The good news is that you can still shave some money off your coverage costs if you compare car insurance companies. You'll see below that the difference among major insurers is nearly $1,332 for a full coverage policy for a driver with bad credit. That's how much you can potentially save by comparing car insurance quotes.

CompanyPoor credit
State Farm Mutual Auto$1,727
GEICO General$1,900
Mid-Century Ins Co$2,031
Allstate F&C$3,059

Best car insurance companies in Wyoming

Scores are based on’s “Best Insurance Companies” customer review survey of 3,700 customers. Policyholders ranked insurers on claims handling, customer service, value, mobile apps/website usefulness and were asked if they would renew their coverage and if they would recommend the company. All scores are out of 100.

2Liberty Mutual90.49
4Auto Club of Southern California (Auto Club Enterprise Insurance Group)88.18
5American Family87.76
7The General86.39
9State Farm86.16
12CSAA Insurance Group84.12


Largest car insurance companies in Wyoming

RankCompanyPremiums WrittenMarket Share
1State Farm Group94,39024.09%
2Progressive Insurance Group54,49813.91%
3Farmers Insurance Group47,27712.07%
4Berkshire Hathaway Insurance Group32,8788.39%
5USAA Group25,5606.52%
6Liberty Mutual Insurance Companies25,2386.44%
7Allstate Insurance Group18,9264.83%
8Nationwide Group12,3983.16%
9American Family Insurance Group3940.10%
10Travelers Group00.00%

Source: A.M. Best; State/Line (P/C Lines)  - P/C, US; Data as of:November 28, 2018

Wyoming Car Insurance Laws

RoadsNumber of Fatal Accidents

Wyoming requires its drivers to buy at least $25,000 of bodily injury liability per person (up to $50,000 per accident) and property damage liability of $20,000 or more. Uninsured and underinsured motorist coverage is optional.

Seat belt use is mandatory. In 2010, the state of Wyoming notes, two-thirds of those killed in traffic accidents were not wearing their safety belts. Among pickup truck drivers, 95 percent were unbelted. 

Shop around: Wyoming ranks among the top 10 states in the country for potential savings on car insurance. In our study of six national insurance companies, a Wyoming driver could save 44 percent off the average rate by comparing multiple companies.

Wyoming uninsured motorist penalties: You may be fined up to $750 and be sentenced to six months in jail and your license and registration may be suspended.

No points: Wyoming doesn't use a driver's license points system to determine who should lose the right to drive, as most other states do. But a conviction for a DUI or reckless driving, leaving the scene of an accident or driving without mandatory insurance will bring a 90-day suspension or worse. Three moving violations in a 12-month period will do the trick, too.

Child-support suspension: As in many other states, a driver can lose his or her driving privileges if child support payments are in arrears. In Wyoming, a driver's license is suspended once the total owed is $5,000 or more and kept suspended until the debt is paid in full.

Proof of insurance via smartphone: Wyoming law allows drivers to show electronic proof of insurance during a traffic stop. Thirty-one states total allow this.

Know the code: The prefix on a Wyoming license plate discloses the driver's county of residence, with counties numbered from 1 to 23. Here's a guide: 1: Natrona; 2: Laramie; 3: Sheridan; 4: Sweetwater; 5: Albany; 6: Carbon; 7: Goshen; 8: Platte; 9: Big Horn; 10: Fremont; 11: Park; 12: Lincoln; 13: Converse; 14: Niobrara; 15: Hot Springs; 16: Johnson; 17: Campbell; 18: Crook; 19: Uinta; 20: Washakie; 21: Weston; 22: Teton; 23: Sublette.

Average annual car insurance rates for major cities in Wyoming

Below you'll see how average annual rates for several of the largest cities in the state compare to state and national averages. Rates are for coverage of $100,000 per person/$300,000 per accident in liability and $50,000 of property damage coverage, with comprehensive and collision carrying a $500 deductible.

Show Tabular Data
CityAverage Premium
Rock Springs$1,603