Wyoming Average Cost of Car Insurance Rates (2024)

A.M. Steinbach
Written byA.M. Steinbach
A.M. Steinbach
A.M. SteinbachInsurance Writer
  • Full-time writer for 5+ years

  • Two-time Emmy Award nominee

A Harvard graduate, Mark has worked as a freelance personal finance and tech writer. He’s also written for Saturday Night Live.

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John Leach
Edited byJohn Leach
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John LeachInsurance Copy Editor
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  • 8+ years editing experience

John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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Amber Benka
Reviewed byAmber Benka
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Updated March 8, 2022 at 4:00 PM PST

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How Much Does Car Insurance Cost In Wyoming?

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.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $14950%

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.

Best Wyoming Auto Insurance Rates

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.

Cheapest CompaniesQuotes
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
State Farm$45
Allstate$55
GEICO$83
The General$102
American Family$247

Wyoming Car Insurance Rates by City

For drivers in Wyoming, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Wyoming.

CityAvg. Monthly Rate
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Casper$143
Cheyenne$176
Evanston$135
Gillette$166
Jackson$152
Laramie$141
Rawlins$132
Riverton$135
Rock Springs$167
Sheridan$143

What Is the Average Cost of Car Insurance in Wyoming by Age?

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.

AgeAvg. Monthly Rate
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Teens$231
20s$163
30s$141
40s$127
50s$146
60s$98
70s$87
>80s$142

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What Is the Average Cost of Car Insurance in Wyoming by Gender?

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.

GenderAvg. Monthly Rate
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Male$154
Female$146

Does Marital Status Influence the Average Cost of Car Insurance in Wyoming?

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.

Marital StatusAvg. Monthly Rate
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Married$155
Single$148

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[1] are:

  • $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.

How Does Credit History Affect Wyoming Car Insurance Rates?

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.

Credit HistoryAvg. Monthly Rate
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Poor$129
Average$146
Good$156
Excellent$152

What Is the Average Cost of Car Insurance in Wyoming for High-Risk Drivers?

"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.

Driving HistoryAvg. Monthly Rate
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
No Violation$130
At-Fault Accident$229
Speeding$176
Good to know

Tips for Researching Wyoming Car Insurance Rates

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.

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Wyoming Car Insurance

  • Why is car insurance so expensive in Wyoming?

    There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Do car insurance rates vary by county in Wyoming?

    Auto insurance costs will vary between locations and insurance carriers, depending on the county Wyoming. 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.

  • Which providers have the best auto insurance ratings in Wyoming?

    The way to find the carrier with the best auto insurance ratings in Wyoming and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • How much do annual auto insurance rates increase in Wyoming?

    During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Wyoming Department of Transportation. "State Minimum Car Insurance Requirements." Accessed May 27, 2022
A.M. Steinbach
A.M. SteinbachInsurance Writer

A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.

John Leach
Edited byJohn LeachInsurance Copy Editor
Photo of an Insurify author
John LeachInsurance Copy Editor
  • Licensed property and casualty insurance agent

  • 8+ years editing experience

John leads Insurify’s copy desk, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.

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Amber Benka
Reviewed byAmber BenkaLicensed Insurance Agent
Amber Benka
Amber BenkaLicensed Insurance Agent

Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance. She has owned the R.A.L Insurance Agency for four years.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers