Average Car Insurance Cost in Wyoming (2024)

In Wyoming, the average car insurance rate is $124 per month, which is lower than the national average of $160 per month. Wyoming residents experience the eighth-lowest auto insurance rates in the country. Both location and population may play a role in Wyoming’s low rates: It’s the least populated state, and it has the lowest percentage of uninsured drivers in the country.^[1][2]

Other factors that contribute to your annual rate in Wyoming include coverage levels, your driving record, and your age. Keep reading to learn more about comparing car insurance in Wyoming.

What’s the average cost of car insurance in Wyoming?

The average cost of car insurance in Wyoming is $70 per month for a liability-only policy and $179 per month for a full-coverage policy.

Companies operating in the Equality State must offer a minimum amount of liability coverage that meets Wyoming’s 25/50/20 requirements. Liability policies are usually the cheapest car insurance plans, but you may want to consider a full-coverage policy if you want additional protection.

The table below shows rates from popular insurers in Wyoming. Keep in mind that your rates may be higher or lower based on your driver profile and if you qualify for any discounts.

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Average Wyoming car insurance rates by city

Car insurance quotes vary from city to city, even in the same state. ZIP code is a major factor: Some rural areas, like near the Fitzpatrick Wilderness, have a lower population density than bigger cities like Cheyenne and Casper.

Crime rates can also affect premiums. For example, an insurer may offer higher auto insurance rates in Cheyenne than in Casper because Cheyenne has a higher rate of motor vehicle theft.^[3] These different factors are out of your control, which is why it’s a good idea to familiarize yourself with how and why your address may affect your rates.

Compare car insurance rates between cities in the table below.

Average Wyoming car insurance rates by age

Age affects car insurance rates because studies show that some age groups are more likely to be involved in accidents than others.

Teen drivers pay the most because they have a higher fatal crash rate, and seniors pay the least for insurance because they have the most experience. Rates typically remain high from teens through age 35, then begin to decline. Rates may rise again in your 70s because of this group’s declining faculties.

The table below shows the average monthly quotes for Wyoming drivers in different age groups.

How gender affects car insurance rates in Wyoming

Age and gender influence average annual premiums, with male drivers receiving higher premium quotes on average than female drivers.

Generally, female drivers engage in less risky driving behaviors than men. A 2021 report on traffic crashes in Wyoming showed that male drivers were involved in nearly 12,000 crashes. Women were involved in less than 7,000 crashes.^[4]

This table shows how age and gender contribute to different rates for car insurance in Wyoming.

How your driving record affects car insurance rates in Wyoming

Your driving record demonstrates to insurance companies how likely you are to practice safe driving habits. Drivers with clean records typically receive lower rates and may be eligible for accident-free or good driver discounts after maintaining a clean record for multiple years.

Speed is a major factor in car accidents, which is why speeding tickets and other traffic violations raise your rates. In an at-fault car accident, your insurance company is required to pay for damages you cause, up to your policy limits. Your rates may rise following an accident as a way for the company to recoup its financial loss.

Driving under the influence is especially dangerous. In Wyoming alone, one-third of all traffic fatalities and nearly one-third of all arrests between 2010 and 2020 involved impaired driving.^[4]

Liability-only rates for Wyoming drivers with an incident on their record are $106 per month on average, and full-coverage insurance is $270 per month, on average.

The table below shows how various incidents could affect your rates.

Average Wyoming car insurance rates by marital status

On average, single people pay slightly more for car insurance than married people. Married couples can take advantage of any discounts for bundling two vehicles under one policy. Another reason for this rate difference is that unmarried drivers are typically younger and have higher rates because of their age.^[5]

The table below shows how minimal the difference is between the average quotes for single drivers and married drivers in Wyoming. You should always compare quotes as an individual and as a couple to find the lowest rates.

Average Wyoming car insurance rates by credit tier

Wyoming allows companies to use credit-based insurance scores. Companies create these scores based on your credit history, payment history, outstanding debt, credit mix, and pursuit of new debt. Companies can use this number to determine your premium.

Drivers with excellent or good credit typically pay lower rates than drivers with fair or poor credit. The table below shows average quotes for Wyoming drivers in each credit tier. You may be able to lower your premium by improving your credit score.

Wyoming car insurance FAQs