Cheap Auto Insurance Quotes in Wyoming (2021)

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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. 

Cheapest Car Insurance in Wyoming

Here are the cheapest carriers 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.

Best Car Insurance 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 carrier reviews. The following are the top rated carriers that offer car insurance in Wyoming. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Wyoming

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Wyoming to find you the cheapest quotes in each of these metropolitan areas.

Wyoming's capital, Cheyenne, is also the state's most populated city. Cheyenne currently ranks as the #1 city for DUIs, according to Insurify's recent study.

Quotes by Top Carriers
Quotes ($/mo)
$61
$65
$152
State FarmAllstateThe General
Monthly $
CityCheapest Carrier
State FarmState Farm
$61/mo
AllstateAllstate
$64/mo
State FarmState Farm
$50/mo
AllstateAllstate
$63/mo
State FarmState Farm
$53/mo
State FarmState Farm
$46/mo
State FarmState Farm
$52/mo
State FarmState Farm
$51/mo
State FarmState Farm
$48/mo
State FarmState Farm
$53/mo
State FarmState Farm
$50/mo
State FarmState Farm
$53/mo
State FarmState Farm
$45/mo
State FarmState Farm
$48/mo
State FarmState Farm
$56/mo
State FarmState Farm
$47/mo

Cheapest Liability Auto Insurance in Wyoming

For drivers in Wyoming, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Wyoming. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Wyoming.

Cheapest Full Coverage Auto Insurance in Wyoming

For drivers in Wyoming, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Wyoming. The following are the best insurance rates from carriers that offer full coverage auto insurance in Wyoming.

Wyoming Driving Facts

wyoming

Minimum Car Insurance Requirements in WY

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/$50,000 bodily injury liability per person/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 coverageWyoming drivers must do so in writing.

Cheapest Car 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. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Wyoming drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. State Farm offers the best options for good drivers in Wyoming, at $45 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
State Farm
$45/mo
Allstate
$55/mo
GEICO
$83/mo
The General
$83/mo
American Family
$247/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
Grange
$14/mo
State Farm
$24/mo
USAA
$30/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
Grange
$14/mo
USAA
$20/mo
GEICO
$26/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
Grange
$14/mo
USAA
$17/mo
State Farm
$24/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Wyoming, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Grange and USAA offer the cheapest car insurance rates for young drivers, averaging $16 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Wyoming 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Wyomingites lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
Grange
$16/mo
USAA
$16/mo
GEICO
$17/mo

SR‌-22 Insurance in Wyoming

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Wyoming on your behalf.

WY 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

Insurify Insights: How Wyoming Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Wyoming drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Wyoming

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Wyoming drivers rank 30 in the number of car accidents per driver.

  • Rank of States: #30
  • Percent of drivers in Wyoming with an accident: 9.72%
  • Drivers in WY with an accident in their driving history paid on average 53.97% more than drivers with a clean record

Speeding Wyoming

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Wyoming drivers rank 10 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #10
  • Percent of drivers in Wyoming with a speeding ticket: 12.24%
  • Drivers in WY with a speeding ticket in their driving history paid on average 34.13% more than drivers with a clean record

DUI/DWIs Wyoming

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Wyoming drivers rank 2 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #2
  • Percent of drivers in Wyoming with a DUI: 4.36%
  • Drivers in WY with a DUI in their driving history paid on average 7.94% more than drivers with a clean record

Most Popular Vehicle Wyoming

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Wyoming is the Ford F-Series Pickup.

Rude Wyoming

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Wyoming drivers rank 1 in rude driving infractions.

  • Rank of States: #1
  • Percent of drivers in Wyoming with a reckless driving violation: 3.14%
  • Drivers in WY with a reckless driving violation in their driving history paid on average 31.75% more than drivers with a clean record.

Safest Drivers Wyoming

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Wyoming drivers rank 44 in clean driving records across all fifty states.

  • Rank of States: #44
  • Percent of drivers in Wyoming with clean record: 76.41%

Street Racing Wyoming

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Wyoming drivers rank 4 in street racing violations per driver.

  • Rank of States: #4
  • Percent of drivers in Wyoming with a street racing violation: 0.03%

Failure to Yield the Right of Way Wyoming

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Wyoming drivers rank 8 in failure to yield violations per driver across all fifty states.

  • Rank of States: #8
  • Percent of drivers in Wyoming with a failure to yield violation: 0.68%
  • Drivers in WY with a failure to yield violation in their driving history paid on average 31.75% more than drivers with a clean record

Reckless Drivers Wyoming

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Wyoming drivers rank 9 in the number of reckless driving offenses per driver.

  • Rank of States: #9
  • Percent of drivers in Wyoming with a reckless driving offense: 0.22%

Hybrid/Electric Vehicle Ownership Wyoming

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Wyoming drivers rank 49 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #49
  • Percent of drivers in Wyoming with a hybrid/electric vehicle: 0.2%

Greenest Cities in Wyoming

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Wyoming offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities

Cheyenne

Greenes Cities
% of Hybrids / Electrics
1%
Most Patriotic City

Most Patriotic City

Cheyenne

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Cheyenne won Insurify's Most Patriotic Cities Award for the state of Wyoming. The Cheyenne Regional Airport, a civil-military airport, saw the outfitting and maintenance of hundreds of fighter planes during World War II.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Wyoming is vital for all car insurance shoppers hitting the road in The Equality State.

road with cars illustration

Road Rankings

7%Rural Roads in
Poor Condition

#21
Ranked

11%Structurally Deficient
Rural Bridges

#8
Ranked

2%Fatality Rate per 100M VMT
on Rural Roads

#6
Ranked


FAQs - Wyoming Car Insurance

Which company has the cheapest car insurance in Wyoming?

Drumroll please...it depends. Truth is, your situation is going to be at least a little different from everyone else’s. Here are a few common factors that influence the price you pay for insurance: Location, Driving history, Type of vehicle, Types of coverage, Credit score, Discounts available. The best way to find a great deal on auto insurance is to conduct comparison shopping. This used to take a very long time because you used to have to call or go to the website of every insurance company (you knew of) and give them all your personal information. Then you’d gather the quotes one by one until you gave up. However, in the 21st century, we have tools like Insurify to make tasks like this easy, fast and painless. With Insurify, you enter your information once and receive 6+ real quotes in just two minutes—without every insurance company and their parent company getting your details.

Which company has the best car insurance in Wyoming? 

It depends. Every driver has different preferences when it comes to insurance companies. One driver may not be able to live without a full-service mobile app, while another driver really can’t do without a 24/7 service line. Chances are, the company that works best for the first driver will not be best for the second driver. Our recommendation is to make a prioritized list of must-haves and nice-to-haves. Use this list to narrow down your options, especially when you’re choosing between two companies with very similar prices. While the price of car insurance is important to all drivers, most will pay a few more dollars to get the bells and whistles they most desire. 

How do I get the best cheap car insurance quotes in Wyoming?

The easiest way is to use a tool like Insurify to gather quote data for you. You create your driver profile with vehicle information and then run the numbers for where you live. Insurify uses real quoting data to give you the most accurate quote possible without releasing your personal information to every insurance company on the market. With Insurify you’ll receive on average six or more quotes to choose from. Plus, you can adjust coverage limits and other options, like adding or removing collision and comprehensive coverage, to see how this influences price.  Last, but not least, you can set alerts for price drops. This way you will always know which company is offering the best price, and you can make the switch easily whenever it benefits you. Keep in mind that drivers can switch car insurance companies even in the middle of a policy and usually without paying any fees to do so. 

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.