How does a Cowboy save on car insurance?

It’s the home to Yellowstone, the first national park, and Devils Tower, the first national monument; it was even the first state to give women the right to vote. Wyoming has been leading the way on the national stage without much fanfare for decades.

If you’re considering the big move to Big Wyoming, or if you’ve been on the range your whole life, there are a few things you should know about saving big on car insurance. In this guide, you’ll find everything you need to understand the average range of prices and discover strategies to lower your rate. 

If you’re ready to save big right now, head over to Insurify right now. You’re only two minutes away from 6+ real car insurance quotes.

Cheapest Car Insurance Quotes in Wyoming

Here are the cheapest insurance companies in Wyoming for the following user profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Wyoming.

Insurance CompanyQuotes
State Farm$45/month
Allstate $55/month
GEICO$83/month
The General$102/month
American Family$247/month

Best Car Insurance Quotes in Wyoming

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies that offer car insurance in Wyoming. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuotes
American Family88$247/month
GEICO87$83/month
Allstate86$55/month
State Farm83$45/month

Most Popular Car Insurance Companies in Wyoming

We use data gathered by the Insurance Information Institute (III) to understand which companies were most popular in Wyoming. The more direct premiums written by an insurance company, the more market share. Companies with the most market share are considered the most popular.

According to the Insurance Information Institute (III), these are the most popular car insurance companies in Wyoming by market share:

  1. State Farm
  2. Progressive
  3. Farmers
  4. Mountain West Farm Bureau
  5. GEICO

Cheapest Car Insurance Quotes in Wyoming by City

People know almost instinctively that where they live influences the bottom line of their car insurance costs. However, many people fail to examine the average cost of insurance in their town, leaving them vulnerable without knowing the fair price in their area.

Knowing the price of an area or areas you’re considering moving to can also save you thousands over your life. Imagine looking at two houses of similar value, style, and tax implications, but in different ZIP codes. While it may seem like a toss-up, running the ZIP code with Insurify will reveal which area is more expensive. 

Here are the best rates we could find for car insurance in Wyoming’s five most populous cities:

CityInsurance CompanyQuotes
CheyenneState Farm$61/month
CasperAllstate$64/month
Laramie State Farm$50/month
GilletteAllstate$63/month
Rock SpringsState Farm$53/month

Cheapest Auto Insurance Quotes in Wyoming by Profile

Here are the cheapest insurance companies in Wyoming based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.

Cheap Car Insurance for Wyoming Drivers with a DUI

In Wyoming, a DUI costs a lot. Any driver caught with a BAC level at or above 0.08 percent can expect a few expensive outcomes:

  • Up to $750 in fines
  • Up to six months of jail time
  • Possible ignition interlock requirements
  • Substance abuse treatment requirements
  • SR-22 maintenance for three years

What the court doesn’t control, but will strain the purse strings more, is the increase in auto insurance premiums. In fact, few offenses will hike up the cost of insurance as much as a DUI conviction will.

Deep breaths. There are many strategies you can use to lower car insurance costs. Here are a few ideas:

  • Exhaust all discount programs
  • Remove comprehensive or collision coverage if possible
  • Downsize your vehicle to one less expensive to insure
  • Use public transportation (if you’re in one of the 23 counties that offer public transit) and switch to a low-mileage program or lose the car altogether 

While those last two may sound a bit drastic, they are both surefire ways to save money on car insurance.

Here are the lowest rates we could find for Wyoming drivers with a DUI:

Insurance CompanyQuotes
Grange$14/month
State Farm$24/month
USAA$30/month

Cheap Car Insurance for Wyoming Drivers with Speeding Tickets

It doesn’t seem like much, a speeding ticket or two, but insurance companies don’t look at it that way. When an insurance company sees a driving record with several speeding tickets, it sees a higher-risk driver and raises premiums. 

If you’ve been caught with a lead foot, the first thing to do is slow down. Keeping a clean driving record is the absolute key to lowering your costs. A great way to inspire better driving habits, and get a discount at the same time, is to enroll in a telematics program. 

In this program, your insurance company will send you a small device that connects with your car’s computer and relays back information about your driving habits to your insurance company. The better your habits, the better your rate. Habits monitored include:

  • Acceleration
  • Sudden braking
  • Time of day
  • Mileage

The best insurance rates we found for Wyoming drivers with speeding tickets are:

Insurance CompanyQuotes
Grange$14/month
USAA$17/month
State Farm$24/month

Cheap Car Insurance for Wyoming Drivers with an At-Fault Accident

Being found at fault for a car accident is one of the most common ways a driver will see an increase in car insurance premiums. Unfortunately, it will raise your rates to an unrecognizable level, leaving you scrambling to adjust your budget. 

Luckily, there are still several discounts you can take advantage of even if you’ve lost the “good driver” discount. Be sure to check out:

  • Early signing discount
  • Paperless billing
  • Automatic payment
  • Pay in full discount
  • Employee and affiliate discounts

If you still can’t find an affordable rate, get creative. Downsize your vehicles if that makes sense. Just don’t forget to comparison shop regularly because different companies not only treat at-fault accidents differently but also use different look-back periods for accidents.

Here are the cheapest car insurance rates we found for Wyoming drivers with an at-fault accident:

Insurance CompanyQuotes
Grange$14/month
USAA$20/month
GEICO$26/month

Cheap Car Insurance for Young Wyoming Drivers

Car insurance premiums are certainly not wasted on the young. Even with clean records, drivers under the age of 25 pay higher premiums. This does have quite a bit of actuarial reasoning behind it: young drivers are more likely to get in and be the cause of a traffic incident. 

TL;DR: you’re considered a risky driver, and risky drivers pay more. 

Take heart in the fact that everyone started off paying those high rates. That and that a bunch of discounts and tips are available for you to lower your costs:

  • Look for “good student” discounts when you’re in school
  • Take a defensive driver course approved by your insurance company
  • Share your car—and the insurance costs—with a sibling or trusted roommate
  • Leave your car back home for low mileage discounts

Here are the best rates we found for young Wyoming drivers:

Insurance CompanyQuotes
USAA$16/month
Grange$16/month
GEICO$17/month

Wyoming State Insurance Laws

State Minimum Car Insurance Requirements in Wyoming

Every state has at least a few different rules when it comes to car insurance. Wyoming requires minimum liability insurance coverage for every vehicle registered in the state. These minimum coverages are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident 
  • $20,000 property damage liability coverage
  • $25,000/$50,000 uninsured motorist bodily injury coverage

The last component is not required. However, to reject uninsured motorist coverage, Wyoming drivers must do so in writing.

Should I Reject Uninsured Motorist Coverage in Wyoming?

We almost always recommend that drivers get uninsured motorist protection even if it’s optional. The reason: a lot of people drive without insurance. Around 7.8 percent of Wyoming drivers, in fact, according to the Insurance Information Institute. 

And that number is higher for drivers in nearly every state bordering Wyoming (especially, you guessed it, with Greenies). That means that nearly one in ten drivers you pass are uninsured. If you get hit by one of these drivers, you can sue for damages, but the driver may have no means of paying you.

As the saying goes, you can get blood from a stone. Better to carry enough insurance to cover you and simply collect the check if the day ever comes. 

Is Wyoming a No-Fault State?

No, Wyoming is not a no-fault state, meaning drivers can sue each other for damages, including pain and suffering, after an accident. That means you must carry enough insurance to protect yourself in the event:

  1. You cause a car accident, injuring another person
  2. That person sues you for damages

While Wyoming’s minimums for car insurance are higher than the national average, you may still want to increase those limits. For example, if you hit a new Ford F-series truck—the most popular vehicle in Wyoming—it’s easy to see how quickly that property damage component will run out. 

And if that truck had an extended cab with four passengers, you can see how the bodily injury coverage limits would run out too. 

Can I Use Digital Proof of Insurance in Wyoming?

Yes, it is legal to provide proof of insurance using an electronic device such as a cell phone or tablet. However, if you cannot show proof because your electronic device is out of battery or broke, you will be subject to the same penalties as those for driving without insurance.

Yes, even if you were legally insured at the time. 

What Is the Penalty for Driving Without Insurance in Wyoming?

Spoiler alert: Wyoming is not messing around when it comes to car insurance. This is probably one of the reasons the state boasts some of the lowest rates of uninsured driving. Penalties include:

  • $250 to $750 in fines
  • Up to six months in jail

Fines are doubled for subsequent offenses and come with registration suspension. So, always be insured, always carry proof of insurance

Does Wyoming Have an Insurance Verification System?

Yes, in the state of Wyoming, insurance companies are required to provide proof of insurance for their customers. Essentially, the companies must report all policies written for private car insurance in the state. 

The state then verifies this with its registration records. If drivers cannot be verified, they will receive a letter in the mail asking them to provide proof of insurance immediately. Failing to comply will result in penalties for driving without insurance. 

What are the Child Passenger Laws in Wyoming?

In 2009, Wyoming laws got a lot stricter with child passenger safety. All children under the age of 10 are required to use a child safety seat, like a booster seat, and to sit in the backseat. The child can forgo the booster seat if they are tall enough for the safety belt to fit correctly. 

There are no other specific requirements for children by age, for example, rear-facing car seats until age one. But the law does require that the child ride in a seat that is appropriate for their height and weight. 

Violation of child passenger laws includes a $50 fine for a first offender and a $100 fine for repeat offenses. 

What is the Penalty for Driving Without a Seatbelt in Wyoming

In Wyoming, driving without a seatbelt is a secondary offense. That means drivers cannot be pulled over simply because someone isn’t wearing a seat belt. This may be why the use of seat belts is fairly low in Wyoming compared to the national average.

The penalty for not wearing a seatbelt is $25 for a driver and $10 per passenger unbuckled. 

What Are the Cell Phone Laws in Wyoming?

Currently, there are no laws affecting the use of a cell phone to make or receive a phone call. This is true even without going hands-free. However, texting is prohibited for all drivers unless done so hands-free. 

The penalty for texting and driving is a $75 fine for a first offense.

Which Companies Offer SR-22 Insurance in Wyoming?

An SR-22 is a proof of insurance document filed by your car insurance company on your behalf. It can be required for a number of reasons, including a DUI or driving without insurance, and it typically increases the cost of insurance. 

Companies that will file an SR-22 on your behalf include Dairyland, Esurance, Farmers, GEICO, The General, National General, Progressive, Safeco, and Bristol West.

Wyoming DMV Information

If you’re planning to move to Wyoming or you’ve just arrived, you should know that you’ll have only 30 days to transfer your vehicle registration with the Department of Motor Vehicles. To do so, you will need to:

  • Have your vehicle inspected at your local sheriff’s office for the cost of $10
  • Present your VIN inspection and current vehicle title to the DMV
  • Bring your financing agreement if you’re making payments on the vehicle

You’ll get a little more time to transfer your non-commercial driver’s license, up to one year in fact. That is unless you’re coming from one of the following states:

  • Georgia
  • Massachusetts
  • Michigan
  • Tennessee
  • Wisconsin

To transfer your out-of-state license you will need to:

  • Fill out an application
  • Present proof of identity with a valid passport, birth certificate, or permanent resident card for example
  • Provide proof of current residence by using a utility bill, insurance policy, or other documents 
  • Provide proof of social security number with an SSA card, W2 form, or other official documents
  • You may be required to complete a vision and/or medical evaluation

Once you’re all settled in, you can do many DMV-related tasks using online services depending on your county. In several counties, you can:

  • Renew registration
  • Order a copy of your driving record
  • Apply for specialty license plates
  • Order vehicle title replacement
  • Replace a registration card

How to get the cheapest car insurance in Wyoming

All Wyomingites have an Equal Right to save on car insurance.

It feels good to find a great fit with your car insurance company—not just the cheapest rate, but the best rate with the best company. While we can’t guarantee you’ll love your insurance company, we do want you to find one enjoyable enough to do business with, whether it’s because the company:

  • Offers great discounts
  • Has great customer service
  • Has excellent technology

Try Insurify today and see how thousands of drivers are saving money on great car insurance.

Browse, Compare, Discover today with Insurify!

Updated February 6, 2020

J.J. Starr is a financial copywriter and enjoys helping readers find the information they need. In addition to her background in banking and financial advising, she is also a poet with an MFA from New York University. She lives in Amherst, Massachusetts. You can learn more at jjstarrwrites.com.