Cheapest Auto Insurance in Wyoming (2025)
Wyoming drivers pay $55 per month, on average, for liability-only coverage.
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Written byMelanie Lockert
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Wyoming has a low population density, which means its drivers pay low average premiums. Minimum coverage averages just $55 per month in the Equality State, while the national average is $105 per month. Your premium may be lower or higher than the average, depending on factors like your insurer, chosen coverage type and amount, age, driving history, vehicle type, and more, so it’s important to compare rates.
Here’s what you need to know to find cheap auto coverage in Wyoming.
Quick Facts
Wyoming drivers pay an average of $118 monthly for full-coverage insurance.
Driving without insurance in Wyoming may result in a fine of up to $750 and up to six months in jail.
Full-coverage policies cost Wyoming drivers an average of $1,411 per year.
3 of the cheapest car insurance companies in Wyoming
Finding the best Wyoming car insurance rates will depend on your situation and what type of coverage you’re looking for. To find the cheapest insurance, you should compare various insurers and review all aspects of coverage before deciding on one option.
You can start by reviewing the top three options for cheap car insurance in Wyoming below.
Safeco
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $118/mo |
4.5
Best choiceBased on 803 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (451)
Joseph
March 19, 2025
Verified Review
Average
My policy went up five times even though I had no accidents or violations.
John
March 18, 2025
Verified Review
Terrible
They doubled my price even though I haven't had a claim in 25 years.
Jason
March 16, 2025
Verified Review
Great Insurance, But Not for Those on a Budget
It's a great insurance company, it just got too expensive for me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Safeco has some of the cheapest full-coverage rates in Wyoming. The company sells standard auto coverage, as well as new-vehicle replacement and rental reimbursement coverage. Drivers can save money with the company’s claims-free cash back, accident forgiveness, and diminishing deductible policies.
Pros
Cheap full-coverage rates in Wyoming
Claims-free cash back and accident forgiveness policy available
Cons
Low BBB customer review rating
May have difficult insurance claims process
Foremost
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $105/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $360/mo |
3.6
A solid optionBased on 19 verified guest reviews and ratings
How drivers feel about Foremost
Drivers appreciate the professional interactions but dislike the unexpected rate increases and inadequate coverage. Issues with customer service and claim handling are also common.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Collectible auto coverage
New and financed vehicles
How drivers feel about Foremost
Drivers appreciate the professional interactions but dislike the unexpected rate increases and inadequate coverage. Issues with customer service and claim handling are also common.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Collectible auto coverage
New and financed vehicles
Reviews (12)
Kenneth
November 19, 2024
Verified Review
Not Worth It
They are not satisfactory. I have never made a claim, yet they raised my rate by 400 dollars. The coverage they provide is also insufficient. They are not worth it.
Barbara
October 22, 2024
Verified Review
Foremost Takes Care of My Home
I haven't had much contact with Foremost, but the interactions I've had have been very good and professional.
Tayla
October 8, 2024
Verified Review
Average
I could never get a hold of anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.4A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Foremost also offers affordable full-coverage rates. In addition to standard coverage offerings, Foremost offers rental reimbursement and towing and roadside service. The company also offers loan/lease gap insurance, which you may want if you’re financing or leasing a vehicle. Foremost advertises three discount opportunities.
Pros
Diminishing deductible policy available
Rideshare and gap coverage available
Cons
Mobile claims filing not available
Above-average number of customer complaints, based on National Association of Insurance Commissioners (NAIC) data
Dairyland
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $144/mo |
3.6
A solid optionBased on 269 verified guest reviews and ratings
How drivers feel about Dairyland
Drivers appreciate the affordable initial rates and the company’s willingness to insure when others won’t. But they dislike the frequent and unexplained rate increases, and some report poor customer service experiences.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
How drivers feel about Dairyland
Drivers appreciate the affordable initial rates and the company’s willingness to insure when others won’t. But they dislike the frequent and unexplained rate increases, and some report poor customer service experiences.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
Reviews (146)
Troy
March 13, 2025
Verified Review
Still Shopping Around, but Progressive is Likely My Choice
I regret having used them.
Charles
March 7, 2025
Verified Review
Unsatisfactory Home Office
The main office keeps sending me unpleasant letters, and the local office doesn't seem to care or make an effort to call them to rectify the situation.
Ella
March 6, 2025
Verified Review
Average
Prices are high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.61A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Dairyland offers cheap car insurance in Wyoming for liability coverage and advertises multiple discounts. Dairyland offers standard coverages, as well as rental reimbursement, towing and labor, lienholder, and special equipment coverage.
Pros
Cheap liability coverage in Wyoming
Multiple discounts available
Cons
Mobile claims filing not available
Low Better Business Bureau (BBB) customer review rating
How to get the cheapest car insurance in Wyoming
Wyoming has lower rates than many other states in the U.S., but you should always try to find the cheapest rate for the type of coverage you’re looking for. You can take a few steps to find competitive pricing:
Bundle your policy. Many insurance companies offer a discount for bundling their auto insurance policy with another insurance product, such as homeowners insurance.
Review potential discounts. When shopping for car insurance coverage in Wyoming, look at the discounts various insurance companies provide and ask about your eligibility. Companies tend to reward drivers for driving safely, installing vehicle safety features, and more.
Drive safely. Because your driving history is a major factor influencing your car insurance rates, you should always aim to drive safely, keep within the speed limit, maintain focus, and avoid distractions. These habits can help you maintain a clean record.
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Cheapest liability-only car insurance quotes in Wyoming
Liability coverage is typically the cheapest coverage you can buy. Every state except New Hampshire requires drivers to purchase a minimum amount of liability coverage. If you have a car accident, your liability insurance covers the property damage and bodily injury you cause the other driver and their passengers. It doesn’t pay for your medical expenses or vehicle damage.[1]
In Wyoming, drivers pay a monthly average of $55 for liability-only policies. You can find average rates from Wyoming insurers below.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company  | Average Monthly Quote |
|---|---|
| Progressive | $45 |
| Direct Auto | $54 |
| Dairyland | $56 |
| Safeco | $58 |
| Bristol West | $71 |
| Foremost | $105 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in Wyoming
Liability coverage is only the starting point of the coverage you can purchase as a driver. Because it doesn’t pay for your damage or injury, you may want to purchase additional coverage for more protection, especially if you’re driving a newer vehicle.
Full-coverage insurance includes liability, comprehensive, and collision insurance, which extends coverage to your vehicle. It’s a good idea to purchase full coverage if you want to reduce your risk and protect your finances. If you lease or finance your vehicle, your lender may even require it.
On average, Wyoming drivers pay $118 per month for full coverage. You can find the cheapest rates for full-coverage car insurance in Wyoming below.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Direct Auto | $99 |
| Safeco | $118 |
| Dairyland | $144 |
| Bristol West | $187 |
| Foremost | $360 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent car insurance quotes in Wyoming
Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $63/mo for full coverage in Wyoming.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 24, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Insurers use many factors to determine your rates, and age is no exception. Teens and drivers younger than 25 have the most expensive premiums because of their lack of experience and high likelihood of getting into an accident.
Conversely, older drivers have the cheapest rates because of their extensive driving history and experience. But around age 70, seniors may see their rates start to increase due to reduced faculties.
The table below shows how rates fluctuate by age in Wyoming.
Age GroupAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageTeen drivers $103 $221 Adult drivers $50 $106 Senior drivers $40 $86 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Wyoming
Most states, including Wyoming, have minimum auto insurance requirements that include liability insurance. In Wyoming, drivers must carry minimum amounts of bodily injury and property damage liability coverage.[2]
Wyoming is an at-fault, or tort, state, which means the driver responsible for an auto accident must cover the damages and injury they cause. You must have the following amounts of coverage in Wyoming:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
You may want to get additional coverage to protect you and your vehicle. Here are some common optional coverages worth considering:
Collision coverage
Whether you hit another car or back into a pole, collision insurance can pay for the damage if your car collides with another object.
Comprehensive coverage
If a non-collision-related event — such as weather, vandalism, or falling rocks — causes damage, comprehensive insurance will kick in.
Medical payments coverage
If you have an injury related to an auto accident, MedPay coverage can help cover your medical bills.
Underinsured/uninsured motorist coverage
You could find yourself in an accident with a driver who doesn’t have sufficient car insurance coverage. Uninsured/underinsured motorist coverage can fill in the gaps.
Cheapest car insurance in Wyoming by driving record
If you have an incident on your driving record in Wyoming, you may face increased insurance rates. An incident can include speeding tickets, at-fault accidents, and driving under the influence (DUI). While nearly all incidents will raise rates, exact prices largely depend on the type and severity of the incident.[3]
Because these incidents can cause property damage and bodily injury, your insurer will view you as a higher-risk driver and increase your rates accordingly.
For example, Wyoming drivers with a speeding ticket pay $146 on average for coverage, while a driver with a clean record pays $86 per month.
The table below shows how your rates can fluctuate based on your incident record.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | With Speeding Ticket | With At-Fault Accident | With DUI/DWI |
|---|---|---|---|
| Progressive | $65 | $65 | $76 |
| Direct Auto | $79 | $78 | $91 |
| Dairyland | $81 | $78 | $94 |
| Safeco | $86 | $84 | $94 |
| Bristol West | $104 | $100 | $120 |
| Foremost | $162 | $156 | $177 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Minimum-coverage rates for drivers with an incident average $80/mo.
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Car insurance rates can fluctuate from city to city, even down to the ZIP code. This is because every city has different crime rates, population sizes, and accident rates. If you live in a more populated area, you’re likely going to pay more for coverage than someone who lives in a more rural area.
The table below shows how rates can fluctuate depending on where you live in Wyoming.
CityAverage Quote: Liability OnlyAverage Quote: Full CoverageCasper $60 $142 Cheyenne $69 $142 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Wyoming car insurance FAQs
Before purchasing car insurance, decide how much coverage you need and find an insurer that meets your insurance needs. The information below should help you navigate the process of finding coverage in Wyoming.
Car insurance in Wyoming averages $118 per month for full coverage and $55 for liability-only insurance. Your specific rate will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.
With an Insurify Quality (IQ) Score of 8.3 and an AM Best financial strength rating of A (Excellent), Safeco is the best car insurance company in Wyoming. Of the insurers Insurify has rate data for, other top Wyoming auto insurers include Dairyland and Foremost.
Car insurance is fairly cheap in Wyoming, averaging $118 per month for full coverage and $55 for liability-only insurance. By comparison, the national averages are $197 and $105, respectively.
Out of all states, Wyoming has the smallest population, which leads to less population density and traffic congestion. Compared to Wyoming, coverage is cheaper in North Dakota but more expensive in South Dakota.
No. Wyoming is an at-fault state. This means that drivers responsible for an auto accident are responsible for covering the costs of resulting damage and injury for the other driver and their passengers.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- III. "Auto insurance basics—understanding your coverage."
- Rocky Mountain Insurance Information Association. "Wyoming Auto Insurance Requirements."
- III. "What determines the price of an auto insurance policy?."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Melanie has been a contributor at Insurify since November 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.