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.
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.
| Companies | Quotes |
|---|---|
 State Farm |
$45 /mo |
 Allstate |
$55 /mo |
 GEICO |
$83 /mo |
 The General |
$102 /mo |
 American Family |
$247 /mo |
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.
| Companies | Score | Quotes |
|---|---|---|
|
American Family |
88
|
$247 /mo |
|
GEICO |
87
|
$83 /mo |
|
Allstate |
86
|
$55 /mo |
|
State Farm |
83
|
$45 /mo |
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.
Cheyenne
Casper
Laramie
Gillette
Rock Springs
| City | Cheapest Carrier | Quote |
|---|---|---|
| Cheyenne |
State Farm |
$61 /mo |
| Casper |
Allstate |
$64 /mo |
| Laramie |
State Farm |
$50 /mo |
| Gillette |
Allstate |
$63 /mo |
| Rock Springs |
State Farm |
$53 /mo |
Wyoming Driving Facts
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 coverage, Wyoming 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
| Insurance Company | Quote |
|---|---|
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 | Quote |
|---|---|
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 | Quote |
|---|---|
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 | Quote |
|---|---|
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. USAA offers 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 | Quote |
|---|---|
USAA |
$16 /mo |
Grange |
$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
State Rankings
Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
#3
States with Most
Moving Violations Rank
Moving Violations Rank
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.
Cheyenne
% of Hybrids/Electrics 2%
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.
