Best Cheap Auto Insurance in Wyoming (2023)

Wyoming has the lowest population in the U.S. and a distinctive landscape featuring the Great Plains, mountains, and Yellowstone National Park. These factors can make driving in Wyoming a unique experience. On average, drivers in the state pay $158 per month for car insurance.

Your specific auto premium will depend on your insurer, chosen coverage type and amount, age, driving history, vehicle type, and more. You have various coverage options in Wyoming. The cheapest rates for full-coverage insurance come from Dairyland, Safeco, and Foremost.

Here’s what you need to know to find cheap auto coverage in Wyoming.

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Best 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.

Best insurer for liability coverage: Dairyland

Best insurer for full coverage: Safeco

Best insurer for gap insurance: Foremost

Cheapest liability-only car insurance in Wyoming

Wyoming, like most other U.S. states, 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.^[2]

Liability coverage is typically the cheapest coverage you can buy. You can find average rates from Wyoming insurers below.

Cheapest full-coverage car insurance in Wyoming

Liability coverage is only the starting point of what 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.

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.

You can find the cheapest rates for full-coverage car insurance in Wyoming below.

Car insurance requirements in Wyoming

Most states, including Wyoming, have minimum auto insurance requirements that include liability insurance. In the state of Wyoming, drivers must carry minimum amounts of bodily injury and property damage liability coverage.^[3]

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.^[4] You must have the following amounts of coverage in Wyoming:

You may want to get additional coverage to protect you and your vehicle. Here are some common optional coverages worth considering:

• 

  Collision

  Whether you hit another car or back into a pole, collision coverage can pay for the damage if your car collides with another object.

• 

  Comprehensive

  If a non-collision-related event — such as weather, vandalism, or falling rocks — causes damage, comprehensive coverage will kick in.

• 

  Medical payments

  If you have an injury related to an auto accident, this coverage option can help cover your medical bills.

• 

  Underinsured/uninsured motorist

  You could find yourself in an accident with a driver who doesn’t have sufficient car insurance coverage. This coverage type can fill in the gaps.

Cheapest car insurance for drivers with an incident

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.^[5]

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.

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Cheapest car insurance for drivers with a speeding ticket

You’ll typically face a fine following a speeding ticket, as well as an increase in your car insurance rates. The exact fine you’ll pay depends on how many miles per hour over the speed limit you were driving. The more you go over the speed limit, the higher the fine you’ll pay.

Because insurers view speeding as a high-risk driving behavior, you’ll typically face a higher insurance premium. You can find the cheapest car insurance rates in Wyoming for drivers with a speeding ticket below.

Cheapest car insurance for drivers with an at-fault accident

After an auto accident, you’ll need to file a claim with your insurance company. An at-fault accident on your driving record in Wyoming will typically increase your car insurance premiums. You should expect to pay more for car insurance coverage for three to five years.

Find the top options for affordable coverage in Wyoming after an at-fault accident below.

Cheapest car insurance for drivers with a DUI

You should always aim to keep yourself and others safe on the road while you’re driving. That’s why driving under the influence (DUI) is a serious offense that risks causing others serious harm.

Aside from potential legal consequences, a DUI typically leads to a drastic increase in auto insurance rates. Specific increases will depend on your insurance company, as well as your past driving history.

You can compare average rates from Wyoming insurers for drivers with a DUI on their record.

Cheapest car insurance for seniors

Your age also plays a role in your insurance premium. Drivers typically experience steadily decreasing rates between the ages of 35 and 75. Senior drivers have ample driving experience, but getting older can pose new challenges and safety risks. Rates tend to increase slightly for drivers around age 75.^[6]

The insurance companies listed below offer cheap car insurance in Wyoming for senior drivers.

Cheapest car insurance for teens

Teen drivers typically pay the highest rates for car insurance by age group. Because young drivers have a limited driving history, insurance companies believe they pose a higher risk to insure and charge higher rates. Additionally, teens may engage in risky driving practices, such as speeding or driving under the influence, and have higher rates of fatal accidents.^[7]

To minimize costs, look at insurance companies that have good student discounts. Additionally, opting for a vehicle with safety features and remaining on your parents’ auto policy may lower costs.

You can see the most competitive options for teen drivers in Wyoming below.

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 consumers 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 inquire 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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Wyoming car insurance quotes by credit tier

Your credit score is generally one of the factors insurance companies use to set your car insurance rates. Though a handful of states prohibit insurers from considering credit, Wyoming permits insurers to do so.^[8] That means your credit rating can affect how much you pay for auto insurance coverage.

Wyoming drivers with excellent or good credit may qualify for lower rates than people with average or poor credit. Insurance companies tend to associate low credit with higher levels of risk.^[9]

Wyoming car insurance FAQs

Insurify Insights

How Wyoming Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Wyoming below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Wyoming drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in Wyoming

#24

State with the Most Speeding Tickets Rank

#23

State with the Moving Violations Rank

#3

State with the Most DUIs Rank

#24

State with the most Suspended Licenses

• Accidents in 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. Wyoming is the #38 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #38
  • Percent of drivers in Wyoming with an accident: 7.5%
• DUIs in Wyoming

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Wyoming is the #3 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #3
  • Percent of drivers in Wyoming with a DUI: 2.8%
• Reckless Driving in 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. Wyoming is the #8 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #8
  • Percent of drivers in Wyoming with a reckless driving offense: 1.9%
• Rude Driving in Wyoming

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Wyoming is the #7 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #7
  • Percent of drivers in Wyoming with a rude driving violation: 2.2%
• Speeding in Wyoming

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Wyoming is the #24 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #24
  • Percent of drivers in Wyoming with a speeding ticket: 8.6%
• Failure to Yield Rates in Wyoming

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Wyoming is the #3 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #3
  • Percent of drivers in Wyoming with a failure to yield violation: 0.4%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.