Cheap Car Insurance in Wyoming (2023)

Wyoming is the least-populated state in the U.S., with just under 579,000 residents.^[1] The comparatively low population density could help account for the relatively cheap car insurance that you can find in Wyoming.

The Equality State is the 10th cheapest overall for car insurance, with an average monthly insurance rate of $134. State Farm is one of the most affordable options, at $72 per month, which is less than half the national average cost.

Best cheap car insurance in Wyoming: State Farm

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State Farm

Best Cheap Car Insurance Wyoming

The best and cheapest car insurance providers in Wyoming are State Farm, USAA, and GEICO. State Farm has the most reasonable average monthly rate, at $72, but USAA isn’t far behind, with an average cost of $76. Other affordable options are available for around $150 or less, making Wyoming a great place for drivers to save on insurance costs.

Learn More: Best Car Insurance Companies

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 are:^[2]

• $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.

Wyoming DMV information

The Wyoming Department of Motor Vehicles (DMV) tracks and maintains driving history and records, including violations. It issues and processes all driver’s licenses, commercial licenses, learner’s permits, and ID cards. Tests to receive these licenses are also administered at the DMV. You can contact most DMV locations in Wyoming by phone or email.

Public transportation in Wyoming

All 23 Wyoming counties have public transportation, including outside major metropolitan areas. But the system isn’t robust, and you’re better off owning a car (or at least having access to one).

The six largest cities in Wyoming — Cheyenne, Casper, Laramie, Sheridan, Rock Springs, and Gillette — have an average Walk Score of just 31, putting it in the “car-dependent” category.^[3]

Tips for getting cheap car insurance in Wyoming

Comparing car insurance can be confusing for new and experienced drivers alike. Fortunately, you can use several tools and resources to get the best deal possible. To start, compare car insurance using a quote-comparison site to quickly locate the cheapest providers in your area. Once you do, you can see and analyze the available options to see what’s best for you.

Liability-only vs. full-coverage insurance in Wyoming

If you live in Wyoming, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the average monthly quotes for the cheapest auto insurance in Wyoming by policy type.

How your driving history affects Wyoming car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Wyoming. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Wyoming based on driving and accident history.

See More: High-Risk Car Insurance Wyoming

See More: SR-22 Car Insurance Wyoming

SR-22 insurance in Wyoming

An SR-22 is a certificate of evidence that the owner of a vehicle has insurance. The form is proof of financial responsibility, and Wyoming requires drivers to have it after a conviction for driving with a suspended or revoked license. The following insurance providers offer SR-22 services in Wyoming.

How credit scores affect Wyoming car insurance quotes

A credit score is a number that can affect many aspects of your life. Insurance companies in Wyoming can use your credit score when quoting you a price. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores.

See More: Bad Credit Car Insurance Wyoming

How your city affects Wyoming insurance quotes

Car insurance costs in Wyoming vary from city to city. The rates depend on the risk factors in each area, such as population density, crime rates, car theft rates, and weather patterns. Thermopolis is the cheapest city for car insurance. Casper, Gillette, Cody, Laramie, and Cheyenne have affordable rates, too.

How your age affects your Wyoming car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older. 

The following table gives a high-level view of how age can affect insurance rates.

Quotes for younger drivers

Less driving experience typically means younger drivers are more at risk of filing an insurance claim. In fact, in 2020, 35% of the 13,161 vehicle crashes in Wyoming involved drivers under the age of 25, according to the state Department of Transportation. Car insurance rates for young drivers are generally higher than rates for other age groups. Driving violations like an at-fault accident, speeding ticket or DUI can raise rates further for young drivers. Even so, drivers can still find affordable insurance if they take the time to compare quotes.

The following table illustrates how driving infractions like an accident or DUI affect car insurance rates for young drivers in Wyoming.

Quotes for middle-aged drivers

By the time you reach your 30s, your car insurance rates should fall, especially if you’ve maintained a clean driving record. However, just as moving violations push up insurance rates for young drivers, they can negatively affect car insurance rates for middle-aged drivers as well.

The table below provides insight into how an accident or DUI can affect the car insurance rates of middle-aged drivers in Wyoming.

Quotes for senior drivers

Senior drivers generally pay some of the cheapest car insurance rates of any age group. Still, following an accident, DUI, or other moving violation, senior drivers can see their rates increase. 

The table below provides examples of how these infractions can affect car insurance rates for senior drivers in Wyoming.

Wyoming car insurance FAQs

Here are answers to some commonly asked questions about Wyoming car insurance.

Insurify Insights

How Wyoming Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Wyoming below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Wyoming drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in Wyoming

#24

State with the Most Speeding Tickets Rank

#23

State with the Moving Violations Rank

#3

State with the Most DUIs Rank

#24

State with the most Suspended Licenses

• Accidents in Wyoming

  While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Wyoming is the #38 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #38
  • Percent of drivers in Wyoming with an accident: 7.5%
• DUIs in Wyoming

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Wyoming is the #3 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #3
  • Percent of drivers in Wyoming with a DUI: 2.8%
• Reckless Driving in Wyoming

  Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Wyoming is the #8 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #8
  • Percent of drivers in Wyoming with a reckless driving offense: 1.9%
• Rude Driving in Wyoming

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Wyoming is the #7 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #7
  • Percent of drivers in Wyoming with a rude driving violation: 2.2%
• Speeding in Wyoming

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Wyoming is the #24 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #24
  • Percent of drivers in Wyoming with a speeding ticket: 8.6%
• Failure to Yield Rates in Wyoming

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Wyoming is the #3 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #3
  • Percent of drivers in Wyoming with a failure to yield violation: 0.4%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.