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Cheap Car Insurance in Wyoming (2023)

Drivers in Wyoming pay rates starting at $72/mo. for car insurance.

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Amy Beardsley
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Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
John Leach
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John Leach
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John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Konstantin Halachev
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Konstantin Halachev
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Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Updated December 21, 2022

Wyoming is the least-populated state in the U.S., with just under 579,000 residents.[1] The comparatively low population density could help account for the relatively cheap car insurance that you can find in Wyoming.

The Equality State is the 10th cheapest overall for car insurance, with an average monthly insurance rate of $134. State Farm is one of the most affordable options, at $72 per month, which is less than half the national average cost.

Quick Facts

  • The average cost of car insurance in Wyoming is $150/mo.

  • State Farm is the cheapest provider in Wyoming, with average rates of $72/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Wyoming: State Farm

1
State Farm logo

State Farm

Best Cheap Car Insurance Wyoming
Average Monthly Cost:
$72
Insurify Composite Score:
88

The best and cheapest car insurance providers in Wyoming are State Farm, USAA, and GEICO. State Farm has the most reasonable average monthly rate, at $72, but USAA isn’t far behind, with an average cost of $76. Other affordable options are available for around $150 or less, making Wyoming a great place for drivers to save on insurance costs.

Car Insurance CompanyInsurify Composite ScoreAverage Monthly Quote
State Farm88$72
USAA96$76
GEICO88$89
American Family89$96
Nationwide89$102
Erie85$72
ProgressiveN/A$109
Allstate85$121
Safeco86$132
Farmers85$151
StillwaterN/A$189
Midvale Home & AutoN/A$197
DairylandN/A$223
Foremost SignatureN/A$242
AmicaN/A$300
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.
  • The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

Learn More: Best Car Insurance Companies

Minimum car insurance requirements in Wyoming

All motor vehicles operated or parked on Wyoming roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Wyoming are:[2]

  • $25,000 per person for bodily injury/$50,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Wyoming is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $20,000 per accident for property damage: If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $25,000 per person for uninsured/underinsured motorists/$50,000 per accident for uninsured/underinsured motorists: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Wyoming, drivers are only required to purchase this coverage for bodily injury.

Wyoming DMV information

The Wyoming Department of Motor Vehicles (DMV) tracks and maintains driving history and records, including violations. It issues and processes all driver’s licenses, commercial licenses, learner’s permits, and ID cards. Tests to receive these licenses are also administered at the DMV. You can contact most DMV locations in Wyoming by phone or email.

Public transportation in Wyoming

All 23 Wyoming counties have public transportation, including outside major metropolitan areas. But the system isn’t robust, and you’re better off owning a car (or at least having access to one).

The six largest cities in Wyoming — Cheyenne, Casper, Laramie, Sheridan, Rock Springs, and Gillette — have an average Walk Score of just 31, putting it in the “car-dependent” category.[3]

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Tips for getting cheap car insurance in Wyoming

Comparing car insurance can be confusing for new and experienced drivers alike. Fortunately, you can use several tools and resources to get the best deal possible. To start, compare car insurance using a quote-comparison site to quickly locate the cheapest providers in your area. Once you do, you can see and analyze the available options to see what’s best for you.

Liability-only vs. full-coverage insurance in Wyoming

If you live in Wyoming, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the average monthly quotes for the cheapest auto insurance in Wyoming by policy type.

Car Insurance CompanyLiability OnlyFull Coverage
State Farm$46$72
USAA$49$76
GEICO$57$89
American Family$62$96
Progressive$70$109
Erie$46$72
Foremost Signature$48$242
Safeco$70$132
Allstate$78$121
Farmers$97$151
StillwaterN/A$189
Dairyland$99$223
Midvale Home & Auto$104$197
Nationwide$190$102
Amica$193$300
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.

How your driving history affects Wyoming car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Wyoming. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Wyoming based on driving and accident history.

See More: High-Risk Car Insurance Wyoming

Car Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
Farmers$72N/AN/AN/A
Nationwide$88$84N/A$120
State Farm$89N/AN/AN/A
American Family$96N/AN/AN/A
Progressive$109N/AN/AN/A
Safeco$107$173$61$169
StillwaterN/AN/AN/A$189
Allstate$121N/AN/AN/A
USAA$139N/AN/AN/A
GEICO$151N/AN/AN/A
Midvale Home & Auto$170$288$167$209
Dairyland$203$310$167$244
Foremost Signature$208N/AN/A$409
Erie$239N/AN/AN/A
Amica$300N/AN/AN/A
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.

See More: SR-22 Car Insurance Wyoming

SR-22 insurance in Wyoming

An SR-22 is a certificate of evidence that the owner of a vehicle has insurance. The form is proof of financial responsibility, and Wyoming requires drivers to have it after a conviction for driving with a suspended or revoked license. The following insurance providers offer SR-22 services in Wyoming.

How credit scores affect Wyoming car insurance quotes

A credit score is a number that can affect many aspects of your life. Insurance companies in Wyoming can use your credit score when quoting you a price. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

Credit TierAverage Monthly Quote
Excellent$116
Good$137
Average$150
Bad$233
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.

See More: Bad Credit Car Insurance Wyoming

How your city affects Wyoming insurance quotes

Car insurance costs in Wyoming vary from city to city. The rates depend on the risk factors in each area, such as population density, crime rates, car theft rates, and weather patterns. Thermopolis is the cheapest city for car insurance. Casper, Gillette, Cody, Laramie, and Cheyenne have affordable rates, too.

CityAverage Monthly Quote
Buffalo$307
Casper$122
Cheyenne$187
Cody$135
Douglas$144
Evanston$198
Evansville$145
Gillette$125
Green River$204
Jackson$105
Lander$122
Laramie$183
Lyman$115
Rawlins$625
Riverton$130
Rock Springs$209
Sheridan$147
Thermopolis$89
Torrington$97
Wilson$203
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.

How your age affects your Wyoming car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older. 

The following table gives a high-level view of how age can affect insurance rates.

Age GroupAverage Monthly Rate
Teenagers$307
Under 25$304
20s$157
30s$166
40s$133
50s$134
60s$95
70s$106
80+$201
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.

Quotes for younger drivers

Less driving experience typically means younger drivers are more at risk of filing an insurance claim. In fact, in 2020, 35% of the 13,161 vehicle crashes in Wyoming involved drivers under the age of 25, according to the state Department of Transportation. Car insurance rates for young drivers are generally higher than rates for other age groups. Driving violations like an at-fault accident, speeding ticket or DUI can raise rates further for young drivers. Even so, drivers can still find affordable insurance if they take the time to compare quotes.

The following table illustrates how driving infractions like an accident or DUI affect car insurance rates for young drivers in Wyoming.

Car Insurance CompanyFull CoverageWith an AccidentWith a DUI
USAA$242$319$279
State Farm$296$390$341
GEICO$358$471$412
American National P&C$380$499$437
Farmers$414$544$476
Allstate$464$610$533
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.

Quotes for middle-aged drivers

By the time you reach your 30s, your car insurance rates should fall, especially if you’ve maintained a clean driving record. However, just as moving violations push up insurance rates for young drivers, they can negatively affect car insurance rates for middle-aged drivers as well.

The table below provides insight into how an accident or DUI can affect the car insurance rates of middle-aged drivers in Wyoming.

Car Insurance CompanyFull CoverageWith an AccidentWith a DUI
USAA$132$192$163
State Farm$137$198$169
Farmers$209$303$258
American National P&C$212$307$261
GEICO$226$327$279
Allstate$241$349$297
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.

Quotes for senior drivers

Senior drivers generally pay some of the cheapest car insurance rates of any age group. Still, following an accident, DUI, or other moving violation, senior drivers can see their rates increase. 

The table below provides examples of how these infractions can affect car insurance rates for senior drivers in Wyoming.

Car Insurance CompanyFull CoverageWith an AccidentWith a DUI
USAA$108$161$154
State Farm$118$176$168
Farmers$200$299$286
American National P&C$208$311$297
GEICO$214$320$306
Allstate$231$346$330
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

Here are answers to some commonly asked questions about Wyoming car insurance.

  • State Farm has the cheapest car insurance in Wyoming, with an average monthly premium of $72. While it’s an excellent choice for people with good driving records, those with DUIs, at-fault accidents, or speeding tickets may find better rates with Nationwide or Dairyland. USAA and GEICO also offer affordable average premiums, at $76 and $89 per month, respectively.

    Keep in mind that price shouldn’t be the only factor. Consider coverage amounts, customer service experience, and ease of claims-handling when comparing companies, too — that’s why we provide the ICS score. It compares the quality, reliability, and health of an insurance company. State Farm has a respectable ICS rating of 88 out of 100, while Nationwide earned an 89.

  • You expect your driving history, age, vehicle type, and coverage options to affect how much you pay for car insurance. But state law also allows insurers to use your credit history. Wyoming drivers with a “good” or “excellent” rating generally pay less overall for car insurance.

    You may not realize that natural disasters can increase car insurance rates, too. The higher the risk of damage, the more drivers pay for coverage. The good news is that Wyoming is the eighth-safest state for driving, contributing to the overall low average that motorists enjoy.

  • The average monthly rate is $150, making Wyoming the 10th-cheapest state to buy car insurance in the U.S. However, many drivers can find lower premiums. For example, the cheapest coverage is just $72 per month from State Farm — a rate that’s more than 50% less than the state’s average cost.

    Compared to neighboring states, Wyoming has truly affordable auto insurance. Wyoming drivers pay 28% less than drivers in South Dakota, 33% less than drivers in Utah, and 37% less than drivers in Colorado.

  • The best car insurance company in Wyoming is the one that offers you the coverage you need at a price you can afford. However, our studies clearly show State Farm is a top contender for the best and cheapest coverage. Besides earning a top ICS of 88, it offers the cheapest available rate in the state for car insurance, at $72 per month.

    USAA and GEICO come in second and third place for the best and cheapest car insurance companies in Wyoming, with ICSs of 96 and 88, respectively. Both companies also offer affordable rates for full-coverage car insurance. USAA offers an average monthly premium of $76, while GEICO offers a rate of $89.

  • No, drivers in Wyoming don’t need PIP because it’s an at-fault state. The driver who causes a crash is responsible for the property and bodily injury damages caused to anyone who gets hurt.

    In a no-fault state, PIP coverage is required because it covers your personal medical payments after an accident. In certain cases, PIP coverage will even pay for non-medical benefits, including lost wages, household expenses, and funeral costs.

  • Yes, Wyoming requires drivers to have insurance and carry proof of insurance in their vehicles. The minimum car insurance required is bodily injury ($25,000 per person and $50,000 per accident) and property damage liability ($20,000 per accident). The coverage amount is similar to nearby states’, although Utah’s bodily injury per accident requirement is slightly higher.[4]

    Bodily injury coverage pays for medical bills if others are injured during an accident, but it doesn’t cover the driver. Property damage also doesn’t pay for damages suffered by the driver, but it covers repairs to the property of other parties in the accident.

  • Although drivers are responsible for maintaining car insurance coverage, the insurance follows the car, not the person, in Wyoming. That means your policy can cover family members and friends who have permission to use your vehicle if they’re in an accident. It may also protect you if you’re in an accident while driving a rental car.

    If you don’t own a car or carry car insurance on your own vehicle and drive someone else’s car, the vehicle owner’s policy can protect you. However, you’ll face severe penalties if you drive (or allow someone else to drive) a car you own if you don’t have auto insurance.

  • Full-coverage car insurance includes liability protection that meets or exceeds the state’s minimum requirements. It also features collision and comprehensive coverage. Collision pays for damages to your car caused by another vehicle, an object, or a rollover, and comprehensive protects against fire, theft, glass damage, and other “non-collision” incidents.

    Consider your driving history and insurance needs before purchasing full coverage. The cost is usually higher than other types of coverage, but it’s worth it if you have a more expensive car. The Rocky Mountain Insurance Information Association recommends that you carry more insurance than the mandatory minimum requirement if you can afford it.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. U.S. Census Bureau. "Quick Facts Wyoming." Accessed December 12, 2022
  2. Wyoming Department of Transportation. "Frequently Asked Questions." Accessed December 12, 2022
  3. Walk Score. "Cities in Wyoming." Accessed December 12, 2022
  4. Rocky Mountain Insurance Information Association. "Wyoming Auto Insurance Requirements." Accessed December 12, 2022
Amy Beardsley
Written by
Amy Beardsley
Linkedin

Insurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Learn More
John Leach
Edited by
John Leach

Insurance Content Editor at Insurify

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Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Konstantin Halachev
Data reviewed by
Konstantin Halachev
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VP of Engineering

Headshot of Konstantin Halachev, VP of Engineering at Insurify
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.