Wyoming Average Cost of Car Insurance Rates (2023)

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.

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.

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.

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.

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.

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.

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.

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.

Compare Top Auto Insurance Companies

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