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.
This comprehensive guide to buying car insurance for Wyoming drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Wyoming works and how much insurance you need.
- American National Finance provides the most affordable annual rates for full coverage car insurance in Wyoming, costing $827 per year.
- In Wyoming, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- 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.
- 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.
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.
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 | 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’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 coverage in Wyoming costs $288 a year but doesn’t provide much protection for drivers. Wyoming drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Wyoming must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Wyoming
The average cost of liability-only insurance in Wyoming is $331 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
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
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
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
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, people living in higher-risk neighborhoods of Wyoming have to pay more than those living where the risks are lower.
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.
Wyoming car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
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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 instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
Find out how much you’ll pay for car insurance for your vehicle make and model in Wyoming.
Insurance rates by car model
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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.
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.
Wyoming drivers aged 16-19 pay $3,343 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 $5,037 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
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 75% as insurers perceive you as a high-risk driver.
Similarly, if you get a speeding ticket in Wyoming, you’ll likely see an increase in your car insurance premium by up to 32% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Wyoming after driving incidents:
- Speeding ticket: Up to 32% increase
- DUI conviction: 75% increase
- At-fault accident (bodily injury and property damage): 31% increase
But even with a traffic ticket, comparison shopping can save you 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.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet 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.
| Company Name | Insurance Rates |
|---|---|
| American National | $1,384 |
| USAA | $1,555 |
| State Farm | $1,765 |
| Farmers | $2,285 |
| Geico | $3,778 |
| Allstate | $3,870 |
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.
Compare the best car insurance options in Wyoming by getting quotes from different insurance companies.
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 premiums differ across cities in Wyoming and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
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.
| Company Name | Insurance Rates |
|---|---|
| American National | $828 |
| USAA | $1,242 |
| State Farm | $1,523 |
| Farmers | $1,602 |
| Geico | $2,617 |
| Allstate | $2,801 |
How much does car insurance cost in Wyoming per month?
In Wyoming, a full coverage car insurance policy with 100/300/100 limits typically costs about $146 per month.
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.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| 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 March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 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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