- The average cost of car insurance in Wyoming is $2,061 a year or $172 per month, based on our data analysis.
- Minimum liability coverage in Wyoming costs around $326 annually for limits of 25/50/20, while liability-only coverage costs $354 per year for limits of 50/100/50.
- American National provides the most affordable annual rates for full coverage car insurance in Wyoming, costing $1,271 per year.
- In Wyoming, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 38%, a DUI raising rates by 81%, and an at-fault accident by up to 38%.
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 offers the most affordable car insurance at $1,271 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?
In Wyoming, drivers pay an average of $172 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Wyoming based on driver profile:
- Teen drivers in Wyoming pay the most – about $463 a month or $5,559 a year.
- Young drivers in their 20s pay an average of $273 monthly or $3,272 annually, for car insurance.
- Senior drivers pay around $181 monthly or $2,176 a year.
- A speeding ticket can increase your rates to $236 monthly or $2,837 annually.
- An at-fault accident increases car insurance rates to $237 a month or $2,843 a year.
- Poor credit drivers usually see their car insurance costs increase to $279 monthly or $3,347 annually.
Average cost of auto insurance in Wyoming by coverage level
Car insurance costs in Wyoming can differ based on the coverage limit. To legally drive, Wyoming residents must adhere to the minimum liability limits of 25/50/20.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Wyoming car insurance costs for three different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $27 | $326 |
| Liability Only – 50/100/50 BI/PD | $29 | $354 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $172 | $2,061 |
State minimum car insurance in Wyoming
Wyoming’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $20,000 in property damage liability.
The state minimum car insurance cost in Wyoming is $326 a year. However, this basic coverage only offers limited protection. Wyoming drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Wyoming must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Wyoming
The average cost of liability-only insurance in Wyoming is $354 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Wyoming
In Wyoming, you can expect to pay around $2,061 per year for full coverage car insurance 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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, 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)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Wyoming by car model
Wyoming car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
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 you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Wyoming, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,983 annually.
Wyoming drivers aged 16-19 pay $3,576 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,559 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,113 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,983 per year in Wyoming.
- For senior drivers: Drivers age 65 and older can expect to pay $2,176 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Wyoming
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Wyoming, a DUI conviction often results in higher premiums and you may see an increase of up to 81% as insurers perceive you as a high-risk driver.
If you get caught speeding in Wyoming, your car insurance rates will increase by 38% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Wyoming following driving incidents:
- Speeding ticket: Up to 38% increase
- DUI conviction: 81% increase
- At-fault accident (bodily injury and property damage): 38% 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
High-risk drivers in Wyoming pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
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 the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and 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
In Wyoming, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Wyoming by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Wyoming, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| American National | $208 | $226 | $1,271 |
| Farmers | $418 | $460 | $1,607 |
| State Farm | $274 | $311 | $1,642 |
| Allstate | $669 | $697 | $3,184 |
| GEICO | $201 | $223 | $3,222 |
| USAA | $187 | $206 | $1,439 |
Car insurance rates by city in Wyoming
Jackson is Wyoming’s most expensive city for car insurance at an average cost of $2,130 annually. Cheyenne is the state’s least expensive city, with an average car insurance rate of $1,947 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?
The average cost of a full-coverage car insurance policy in Wyoming costs $172 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $27 |
| Liability Only – 50/100/50 BI/PD | $29 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $172 |
Final thoughts on choosing car insurance in Wyoming
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Wyoming.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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