On average, car insurance rates for drivers in Wyoming are $149 per month, and $1793 per year. The average rates make Wyoming the 45th most expensive state in the country for car insurance rates and 49% less expensive than the national average.
Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here. Click the button below to get personalized insurance quotes from top providers like Progressive, Allstate and Nationwide.
Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.
Insurify analyzed car insurance rates in the twenty most populous cities in Wyoming and has selected the following providers and quotes as the best rates for drivers in Wyoming.
Wyoming drivers pay reasonable prices for car insurance overall. But the age group that might quibble with that statement are teens, who have to put up with a whopping $231 per month for car insurance. Thankfully, prices drop for drivers in their 20s, who pay $163 per month, only $14 above the state average.
Average rates drop below $100 for drivers in their 60s and 70s, who pay only $98 per month and $87 per month, respectively. Rates tick up to $142 per month for drivers over 80, which is still a few dollars below the state average.
In Wyoming, the car insurance rates never go too high. But men should expect to pay slightly more, with an average rate of $154 per month compared to $146 per month for women.
Don’t get married in Wyoming thinking it will save you money on car insurance. In fact, married Wyoming drivers pay an average of $7 more per month than single people. Throw in the cost of the wedding and marriage license and that’s quite the raw deal.
In reality, there’s almost no significant difference to what you pay, whether you’re married or single: just a few dollars, compared to the $149 state monthly average, is a minimal difference.
In general, Wyoming’s minimum car insurance requirements are nothing out of the ordinary. The state requires $25,000 in bodily injury liability per person and $50,000 per accident. So if someone is harmed in an accident where you are at fault, your insurance will cover the costs associated with these injuries up to that limit. Additionally, drivers in Wyoming must have $20,000 of property damage liability per accident, which covers the costs associated with any property damage from an accident.
But that’s not all. Wyoming also requires $25,000 in uninsured/underinsured motorist bodily injury per person and $50,000 per accident. This will come in handy if you get in an accident with a driver who doesn’t have car insurance or whose policy limits do not cover the costs associated with the accident.
Wyoming allows car insurance companies to consider your credit score when determining your car insurance rates. Despite this, those with a poor credit history actually pay $23 less for car insurance than those with an excellent credit history. Meanwhile, drivers with an average or good credit history pay $146 per month and $156 per month, respectively.
"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?
Drivers with a speeding ticket in Wyoming will pay $46 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $99. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.
Insurance rates can vary between companies and are influenced by a variety of unique factors. While Wyoming may not offer as much choice when it comes to car insurance carriers, especially compared to a more populous state like California or New York, Wyoming drivers will still want to carefully weigh their options before buying coverage.
One way to compare options easily is with Insurify. Insurify makes it easy to find cheap car insurance. All you need to do is enter some simple information about your location and driver history, and Insurify will give you 10+ free quotes from a variety of companies so that you can pick the right policy at the right price.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.