Cheapest Car Insurance Quotes in Wyoming
USAA, State Farm, and GEICO offer some of Wyoming’s cheapest car insurance quotes.
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Writer: Ben LuthiInsurance and Personal Finance Writer
Writer: Ben LuthiInsurance and Personal Finance Writer
Qualifications:
12+ years in personal finance and insurance writing
Former financial analyst
Ben Luthi has been making insurance and personal finance easy to understand for over a decade. Dedicated to helping readers make informed insurance decisions, Ben’s covered just about every personal finance topic under the sun.
His work has appeared in the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
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Editor: Becky HelzerLicensed P&C Agent, Editor
Editor: Becky HelzerLicensed P&C Agent, Editor
Qualifications:
15+ years editing experience
7+ years experience in insurance and personal finance editing
NPN: 6642281
Becky has worked as an editor at Insurify since 2024. In addition to her years of editing experience, Becky is a licensed property and casualty insurance agent.
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Reviewer: Daniel RoccatoAdvisor
Reviewer: Daniel RoccatoAdvisor
Qualifications:
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Wyoming car insurance at a glance
Cheapest car insurance company in Wyoming: USAA
Cheapest car insurance rate in Wyoming: $27
Average monthly liability-only car insurance cost in WY: $50
Average monthly full-coverage car insurance cost in WY: $94
Cheapest car insurance quotes in Wyoming
To find the insurers with the cheapest quotes, we looked at average rates for drivers between 20 and 70 years old with clean driving records and average or better credit (a score of 600 or higher).
The three cheapest insurers in Wyoming for this driver profile include USAA, State Farm, and GEICO.
The below rates in Wyoming are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT.
Data reviewed by Konstantin Halachev)
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| USAA | $27 | $46 |
| State Farm | $29 | $51 |
| GEICO | $41 | $78 |
| Farmers | $45 | $78 |
| Safeco | $54 | $88 |
| The General | $59 | $137 |
| Allstate | $60 | $91 |
| Direct Auto | $61 | $96 |
| Bristol West | $63 | $140 |
| Dairyland | $64 | $136 |
Disclaimer: Table data sourced from real-time Wyoming car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Wyoming may vary based on the policy buyer's unique driver profile.
Best-rated insurance companies in Wyoming
No single insurance company is the best fit for everyone, but some tend to offer better customer experiences than others. Here’s a look at the best Wyoming car insurance companies based on actual user reviews and Insurify Quality (IQ) Scores.
Best for full coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $29/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $51/mo |
4.2
Best choice in WyomingBased on 21,628 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Wyoming for
Showing 5 reviews from Wyoming driversSee all 8,293 State Farm reviews
Verified Review
Reviewed in Wyoming on September 19, 2026
Expensive.
Verified Review
Reviewed in Wyoming on March 26, 2026
Overall, the price for auto, home, and umbrella policies is cheaper than the competitors I checked with!
Verified Review
Reviewed in Wyoming on March 5, 2026
Check rates with other companies!
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
656
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm offers some of the lowest average rates for full coverage in Wyoming. The insurer has many local agents who can provide in-person service, and it also has one of the highest IQ Scores on our list.
Pros
Competitive rates in Wyoming
Highest JD Power customer satisfaction rating in the Northwest region
Agents in more than two dozen Wyoming communities
Cons
No accident forgiveness
Minimal optional add-ons
Gap coverage available only on loans with State Farm Bank
Best for minimum coverage: Farmers
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $78/mo |
4.0
Best choice in WyomingBased on 3,846 verified driver reviews and ratings
Farmers's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about Farmers
Customers appreciate the helpful agents and good initial quotes but dislike the consistent rate increases and lack of senior discounts. Some also reported issues with claim handling and communication.
Based on analysis of verified reviews collected by Insurify
Best in Wyoming for
Showing recent national reviewsSee all 1,124 Farmers reviews
Verified Review
Reviewed in Pennsylvania on September 28, 2026
Don’t talk over anyone. Don’t push anything. Discuss your offerings sincerely, not flatly or without feeling. Give the client the best deal—don’t keep trying to make the most money for yourself. Focus on the best savings for them. Then you’ll have a repeat client.
Verified Review
Reviewed in Minnesota on July 23, 2026
There are cheaper car coverage plans available from other insurers. They are very competitive on home insurance.
Verified Review
Reviewed in Michigan on July 20, 2026
Be careful—once they get you in, they start hiking up your price.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Farmers has some of the lowest liability-only rates in Wyoming. Policyholders have a wide variety of optional policy features and coverages to choose from. For example, enhanced roadside assistance offers towing for up to 100 miles if you break down on one of the state’s dangerous mountainous roads.
Pros
Broad range of coverage options
Available accident forgiveness
Local agents in 20 Wyoming communities
Cons
Below-average JD Power customer satisfaction rating in the Northwest region
Not the most competitive rates
Lower AM Best financial strength rating of A (Excellent)
Best for savings: GEICO
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $41/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $78/mo |
4.1
Best choice in WyomingBased on 21,274 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.0 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Wyoming for
Showing 3 reviews from Wyoming driversSee all 8,345 GEICO reviews
Verified Review
Reviewed in Wyoming on August 3, 2026
Never had any issues.
Verified Review
Reviewed in Wyoming on April 20, 2026
Make sure you check with other companies on rates because they will climb every six months.
Verified Purchase
Reviewed in Wyoming on December 19, 2025
Good service for the money.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO offers an extensive list of discounts. This means you could save even more based on your driver profile, even though GEICO’s average rates are competitive in Wyoming.
Pros
Broad range of discounts
Available accident forgiveness
Available mechanical breakdown insurance
Cons
No gap coverage
No local agents in Wyoming
Few optional add-ons
Best for customer service: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $27/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $46/mo |
4.9
Best choice in WyomingBased on 4,390 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best in Wyoming for
Showing recent national reviewsSee all 1,737 USAA reviews
Verified Review
Reviewed in Colorado on November 4, 2026
No loyalty for lifelong policyholders. The rates are ridiculous.
Verified Review
Reviewed in South Carolina on November 2, 2026
I love USAA, but I think I’m paying way too much for the privilege of using them.
Verified Review
Reviewed in California on November 1, 2026
Insurance today is very expensive. I think overall it has become a monopoly.
JD Power
JD Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
743
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
If customer service is important to you, USAA has some of the industry’s highest customer satisfaction ratings. That said, only eligible members of the military community and their families can qualify for coverage. Wyoming is home to more than 40,000 veterans and 3,000 active-duty service members.[1]
Pros
Competitive liability-only rates in Wyoming
Stellar JD Power claims and customer satisfaction ratings
Discounts for active-duty military members
Cons
Membership limited to military members and families
No physical locations in Wyoming
Few additional add-ons
How we chose the best companies
To identify the best car insurance companies for Wyoming drivers, we evaluated 200-plus regional and national companies. We analyzed thousands of user reviews from verified Insurify customers to identify which companies provided the best overall experience, claims and customer satisfaction, and overall value. Whenever available, we considered scores and rankings from third-party organizations, such as AM Best and J.D. Power. We assessed multiple data points to rate affordability, coverage options, available discounts, customer satisfaction, and financial strength.
How much is car insurance in Wyoming?
Full-coverage car insurance in Wyoming costs an average of $94 per month, while liability-only coverage averages $50. Both are below the national monthly averages of $187 for full coverage and $99 for liability-only coverage.
Low population density and a low percentage of uninsured drivers likely contribute to cheaper average insurance rates in Wyoming.
Find Cheap Car Insurance in Wyoming
Liability policies average $50/mo.
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Average car insurance quotes in Wyoming cities
How much you pay for coverage can depend on where you live. Insurers consider rates of theft, vandalism, and accidents, among other risk factors.
Here’s a look at how rates compare in several Wyoming cities:
The below rates in Wyoming are estimated rates current as of: Sunday, November 1 at 12:28 AM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Casper | $58 | $112 |
| Cheyenne | $62 | $141 |
Disclaimer: Table data sourced from real-time Wyoming car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Wyoming may vary based on the policy buyer's unique driver profile.
On-the-spot guidance from licensed insurance experts
)
Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services
Mallory MooneyLicensed P&C Insurance Agent and Director of Sales and Client Services
Qualifications:
Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
)
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Qualifications:
Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
)
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Qualifications:
Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
Why you should compare car insurance quotes in Wyoming
Each insurer weighs your driving history, credit history, vehicle, age, and other risk factors differently. This means auto insurance quotes in Wyoming can vary widely for the same driver. Here’s how to ensure you get accurate quotes:
Match your coverage. Ask every insurer for the same limits and deductibles, so you can compare apples to apples.
Provide your VIN. It’ll pull up your car’s exact trim and safety features.
List every driver. Mention every driver in your household who uses your vehicle.
Disclose your driving history. Insurers check your record, so list every ticket, accident, and driving under the influence (DUI) conviction up front.
Estimate annual mileage honestly. Check your odometer or service records for an accurate yearly figure.
Wyoming car insurance requirements
Nearly every state requires car insurance in some form. Wyoming requires the following state-minimum coverage:[2]
Bodily injury liability insurance: $25,000 per person and $50,000 per accident
Property damage liability insurance: $20,000 per accident
These limits are relatively low compared to other states. If you’re in an accident that causes more than $1,000 in damage or injury to someone not in your immediate household, the state requires you to provide proof of liability coverage.
Agent Tip
“If you cause an accident, Wyoming’s minimum coverage may not cover your damages. For example, if you total another driver’s new car, $20,000 in property damage liability coverage likely won’t cover its replacement cost. This means you’d be responsible for paying the difference out of pocket.”
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Austin MoyersLicensed P&C Insurance Agent and Sales Manager
How to find the cheapest Wyoming car insurance
To find cheap car insurance in Wyoming, compare quotes and make sure your coverage doesn’t lapse. Here are some other steps you can take to save:
Increase your deductible. A higher deductible lowers your monthly premium, though you’ll pay more out of pocket if you file a claim.
Ask about car insurance discounts. Many insurers offer discounts for bundling policies, installing an anti-theft device, taking a defensive driving course, or driving fewer miles each year.
Try a telematics program. Telematics programs can reward you for demonstrating safe driving behavior.
Avoid unnecessary extras. Skip optional add-ons like roadside assistance if you have coverage elsewhere.
Build your credit. Wyoming insurers can use your credit history, along with other factors, to determine your rates.[3]
Shop for Car Insurance in Wyoming
Check quotes from 120+ top insurance companies
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Find quotes for your driver profile
Rates can vary significantly based on your driver profile. Check out the pages below for more information on car insurance in Wyoming.
Wyoming car insurance guides
How car insurance costs have changed in Wyoming
Wyoming drivers paid an average of $1,118 per year for full coverage in June 2026. This is up 2.6% since the end of 2025, according to Insurify’s American Driver report.
Insurify projects Wyoming rates will reach $1,135 by the end of 2026, a 4.2% increase for the year.
Rising repair costs may be the primary culprit, even in states like Wyoming where rates are generally below the national average.
Average Wyoming Car Insurance Rates Over the Past Five Years
State Name | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 | 2026-06 | 2026-07 | 2026-08 | 2026-09 | 2026-10 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | 1,562 | 1,565 | 1,566 | 1,569 | 1,571 | 1,578 | 1,591 | 1,602 | 1,607 | 1,612 | 1,617 | 1,624 | 1,631 | 1,639 | 1,650 | 1,665 | 1,689 | 1,718 | 1,758 | 1,802 | 1,850 | 1,886 | 1,917 | 1,956 | 1,982 | 2,006 | 2,036 | 2,075 | 2,127 | 2,191 | 2,237 | 2,295 | 2,341 | 2,368 | 2,390 | 2,387 | 2,374 | 2,371 | 2,362 | 2,352 | 2,368 | 2,369 | 2,369 | 2,357 | 2,344 | 2,319 | 2,286 | 2,258 | 2,229 | 2,217 | 2,223 | 2,224 | 2,225 | 2,233 | 2,239 | 2,237 | 2,238 | 2,238 | 2,240 | 2,241 | 2,243 |
| Wyoming | 1,637 | 1,632 | 1,630 | 1,625 | 1,629 | 1,591 | 1,557 | 1,558 | 1,551 | 1,510 | 1,498 | 1,508 | 1,522 | 1,526 | 1,518 | 1,498 | 1,534 | 1,528 | 1,555 | 1,548 | 1,526 | 1,522 | 1,522 | 1,524 | 1,521 | 1,524 | 1,541 | 1,541 | 1,548 | 1,589 | 1,576 | 1,581 | 1,591 | 1,589 | 1,604 | 1,569 | 1,540 | 1,519 | 1,514 | 1,352 | 1,333 | 1,259 | 1,263 | 1,234 | 1,213 | 1,178 | 1,131 | 1,103 | 1,095 | 1,082 | 1,098 | 1,097 | 1,103 | 1,108 | 1,114 | 1,119 | 1,125 | 1,134 | 1,134 | 1,131 | 1,130 |
Wyoming car insurance FAQs
See answers to frequently asked questions below to help you find the best car insurance in Wyoming.
How much does car insurance cost in Wyoming?
The average cost for car insurance in Wyoming is $94 per month for full coverage and $50 per month for liability-only coverage. Your rate may vary based on your driver profile and the insurer you choose.
What are Wyoming’s minimum car insurance requirements?
Wyoming requires that you maintain bodily injury liability insurance with limits of $25,000 per person and $50,000 per accident. You also need to have at least $20,000 in property damage liability coverage.
Is Wyoming an at-fault state?
Yes. Wyoming is an at-fault state, which means the driver who causes a car accident is responsible for damages. You can still recover damages if you’re 50% or less at fault, but your payout shrinks by your share of responsibility.
Does Wyoming require uninsured motorist coverage?
No. While Wyoming law requires insurance companies to offer uninsured motorist coverage, you don’t have to purchase it. You can reject coverage in writing.
What are the penalties for driving without car insurance in Wyoming?
Driving uninsured is a misdemeanor punishable by a fine of $500 to $1,500, up to six months in jail, or both. For a second or subsequent violation, the state will require you to turn in your license plate and registration. You’ll also need SR-22 insurance for three years.
Sources
- U.S. Census Bureau. "Wyoming QuickFacts."
- Wyoming Department of Transportation. "Frequently Asked Questions."
- Justia. "Wyoming Statutes Title 26 - Insurance Code Chapter 2 - The Insurance Commissioner Article 1 - Funding Section 26-2-134 - Limiting the Use of Credit Scoring; Rulemaking."
Methodology
Insurify data scientists analyzed more than 250 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 500+ 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
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Writer: Ben LuthiInsurance and Personal Finance Writer
Writer: Ben LuthiInsurance and Personal Finance Writer
Qualifications:
12+ years in personal finance and insurance writing
Former financial analyst
Ben Luthi has been making insurance and personal finance easy to understand for over a decade. Dedicated to helping readers make informed insurance decisions, Ben’s covered just about every personal finance topic under the sun.
His work has appeared in the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
Editor: Becky HelzerLicensed P&C Agent, Editor
Editor: Becky HelzerLicensed P&C Agent, Editor
Qualifications:
15+ years editing experience
7+ years experience in insurance and personal finance editing
NPN: 6642281
Becky has worked as an editor at Insurify since 2024. In addition to her years of editing experience, Becky is a licensed property and casualty insurance agent.
Reviewer: Daniel RoccatoAdvisor
Reviewer: Daniel RoccatoAdvisor
Qualifications:
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.