Cheap Auto Insurance Quotes in Wyoming

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Wyoming Car Insurance Averages for Annual Premiums

Minimum Coverage Average
Full Coverage Average
All Coverage Types Average

Cheapest Car Insurance in Wyoming

Getting cheap car insurance in Wyoming doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get Wyoming affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.


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Best Car Insurance in Wyoming

The Insureist™ Data Science team ranks the best insurance companies in Wyoming using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in Wyoming are determined based on these results.

Car Insurance in Wyoming

Wyoming Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in Wyoming to give you an idea of the average insurance premium in each city.  WY insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

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Types of Wyoming Car Insurance Quotes

The cheapest insurance companies in Wyoming will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in Wyoming. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of Wyoming.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for WY car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for WY auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some WY insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

Wyoming SR‌-22 Insurance

You will need to get SR‌-22 insurance in WY if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in WY files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - Wyoming Car Insurance & Driving Facts

Which car insurance is best in Wyoming?

The best car insurance company in Wyoming will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple WY insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in Wyoming?

The minimum auto insurance liability coverage required in the state of Wyoming is 25/50/20. This means that you must by law have at least the following coverages: $25000 bodily injury coverage per person, $50000 bodily injury coverage per accident, $20000 property damage coverage per accident. While these are the legal minimums to drive in Wyoming, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional WY auto insurance coverage depending on your financial situation.

How much does car insurance cost in Wyoming?

The average annual cost of an auto insurance policy in Wyoming is $936. The average minimum coverage annual cost in Wyoming is $264. The average full coverage annual cost in Wyoming is $1335.

How does car insurance work in Wyoming?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in Wyoming?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

Wyoming Map


Vehicle Insurance


Wyoming () is a state in the Mountain West region of the United States. The 10th largest state by area, it is also the least populous and least densely populated state in the contiguous United States. It is bordered by Montana to the north and northwest, South Dakota and Nebraska to the east, Idaho to the west, Utah to the southwest, and Colorado to the south. The state population was estimated at 578,759 in 2019. The state capital and the most populous city is Cheyenne, which had an estimated population of 63,957 in 2018.

Wyoming's western half is mostly covered by the ranges and rangelands of the Rocky Mountains, while the eastern half of the state is high-elevation prairie called the High Plains. It is drier and windier than the rest of the country, being split between semi-arid and continental climates with greater temperature extremes. Almost half of the land in Wyoming is owned by the federal government, leading the state to rank sixth by area and fifth by proportion of a state's land owned by the federal government. Federal lands include two national parks—Grand Teton and Yellowstone—two national recreation areas, two national monuments, several national forests, historic sites, fish hatcheries, and wildlife refuges.

Original inhabitants of the region include the Arapaho, Crow, Lakota, and Shoshone. Southwest Wyoming was claimed by the Spanish Empire and then as Mexican territory until it was ceded to the U.S. in 1848 at the end of the Mexican–American War. The region acquired the name "Wyoming" when a bill was introduced to Congress in 1865 to provide a temporary government for the territory of Wyoming. The name had been used earlier for the Wyoming Valley in Pennsylvania, and is derived from the Munsee word xwé:wamənk, meaning "at the big river flat".

Wyoming's economy is driven by tourism and the extraction of minerals such as coal, natural gas, oil, and trona. Agricultural commodities include barley, hay, livestock, sugar beets, wheat, and wool. It was the first state to allow women the right to vote and become politicians, as well as the first state to elect a female governor. Due to this part of its history, its main nickname is "The Equality State" and its official state motto is "Equal Rights". It has been a politically conservative state since the 1950s, with the Republican presidential nominee carrying the state in every election since 1968. A notable exception is Teton County, which has achieved notability for being Wyoming's most Democratic county and the only county in the state to be won by a Democrat in every election since 2004.


Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.


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