Cheapest Insurance in Wyoming 2021

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  • Find cheapest car insurance Wyoming
  • Best insurance companies
  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
Cheap insurance in Wyoming can be hard to come by. The state has high vehicle-related fatality rates and insurers pass this risk onto policyholders.
The best way to get cheap car insurance is to compare quotes and carriers. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another, even within the same state.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Wyoming. If you want to learn more about Wyoming’s car insurance rates, then read on.
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Find the cheapest car insurance in Wyoming with Jerry

To find the most affordable insurance premiums in Wyoming, your best bet is to use Jerry to get quotes from different companies.
Here’s how much Jerry customers in Wyoming were paying for car insurance before they compared quotes and switched plans with Jerry:

Best insurance companies for cheap insurance in Wyoming with Jerry

Insurance Company
Before Jerry
After Jerry
Nationwide$2,166$1,331
Safeco$2,779$1,609
Progressive$2,880$1,780

Cheapest minimum coverage car insurance in Wyoming

In Wyoming, people who purchase car insurance are required to get the following minimum coverages:
  • $[25,000] bodily injury liability per person
  • $[50,000] bodily injury liability per accident
  • $[20,000] property damage liability per accident
In Wyoming, companies are required to offer you uninsured/underinsured motorist coverage. You can reject it in writing but it’s a good policy to consider since about 8% of drivers in Wyoming don’t have car insurance.
Remember, the minimum insurance coverage is not a recommendation—it’s a requirement! It’s illegal to drive without the coverage described above.
Be aware that, in some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
First, let’s go over how much Jerry users in Wyoming pay for minimum liability car insurance:
Before Jerry
After Jerry
$2,677$1,128
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Additional coverages you might want to consider when shopping for car insurance in Wyoming

Risk factorCoverage to consider
High collision riskIf you get into an accident with another vehicle, collision insurance will cover repair costs for your car.
Roadside assistance Wyoming is home to plenty of rural roads, meaning you’re more likely to break down far away from home. Roadside assistance will cover your towing and other expenses associated with a breakdown.
Uninsured driversIf you get into an accident with an uninsured driver, uninsured motorist protection can help with your expenses.
Wyoming presents unique risks to drivers due to its high traffic fatality rate and high proportion of uninsured drivers. Before purchasing car insurance, make sure to consider additional coverage (like Medpay) to protect you and your passengers from unexpected costs.

Best carriers for minimum coverage car insurance in Wyoming

It’s illegal to have a car insurance policy in Wyoming that does not meet the required minimums. If you get caught, you could be subject to license suspension, fines, and vehicle impoundment.
Jerry can help you find an affordable policy that meets your coverage needs so you don’t have to go without.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Wyoming:
Insurance Company
Before Jerry
After Jerry
Progressive$2,677$1,128

Cheapest full coverage car insurance in Wyoming

Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing less in the long run).
Yes, you can expect to pay slightly more for full coverage insurance policies. However, the protection you get in return will be worth it.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$2,580$1,988
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Best carriers for full coverage car insurance in Wyoming

Getting quotes from various insurance companies will help you ensure you have the most affordable rate for the coverage you need.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Wyoming:
Insurance Company
Before Jerry
After Jerry
Progressive$2,100$1,704
Safeco$3,060$2,272
Full coverage insurance may cost more up front, but it offers greater financial protection and can save you a lot in the long run

Cost to insure your car in Wyoming by age

Insurers value driving experience. The younger you are, the less experience you have, which will likely be reflected in higher insurance premiums.
If you’re a young driver in Wyoming, here’s what you need to know.
While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record. No matter your age—whether you live in rural Wyoming or move to Cheyenne or Laramie—start by quote shopping with Jerry.
Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
21-24$3,054$1,649
25-34$2,116$1,425
35-44$1,651$996
45-54$3,017$1,541
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Cost of insurance for drivers in Wyoming with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In Wyoming, insurance companies can see all your traffic offenses within the last 10 years. If you commit another violation within that period, it will be considered a second offense and you’ll be hit with even more serious penalties.
But there’s good news! Jerry can help Wyoming drivers find great car insurance even with a blemish on their driving record.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,521$1,457
Speeding over 15$2,160$1,418
Failure to Obey Traffic Sign$2,717$1,783
Speeding under 15$3,244$2,320
Careless Driving$5,340$4,872

Best carriers for drivers with infractions in Wyoming

Insurance Company
Before Jerry
After Jerry
Safeco$2,408$1,570
Nationwide$2,832$1,782
Progressive$2,755$2,000
The price you pay for car insurance is influenced by your age and your driving record. Safe drivers typically get lower rates, but it’s still possible for Wyoming drivers to find affordable insurance if they have a traffic violation on their record.
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Cost of insurance for young drivers in Wyoming with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Some offenses, like a DUI, stay on your record for many years—way past the time you’d be considered a ‘young driver’.
Fortunately, Jerry can help young Wyoming drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,096$1,571
Failure to Obey Traffic Sign$2,724$2,138
Speeding under 15$4,094$3,005
Careless Driving$5,340$4,872
If you’re looking for the most affordable insurance for a young driver with a poor driving record in Wyoming, check out these top carriers.

Best carriers for young drivers with infractions in Wyoming

Insurance Company
Before Jerry
After Jerry
Safeco$2,656$1,793
Progressive$3,452$2,833
Wyoming drivers under 30 with a traffic violation on record, should compare rates from providers to find the most affordable premium.
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Types of discounts that might be available to you in Wyoming

Never underestimate a good discount. If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Wyoming. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
Some of the most common car insurance discounts in Wyoming include:
Discount typeWho is eligible?
Paperless discountsBy switching to online-only statements and scheduling automatic payments, you could qualify for a sizable discount on your car insurance.
Bundle your policiesGet your home and auto insurance from the same company and they’ll usually slash your premium with a nice discount.
Good student discountFull-time students with good grades can usually qualify for a healthy discount on their car insurance premium. You may have to provide proof of enrollment and grade point average
Vehicle safety discountIf your vehicle has high-rated safety features, you can get a discount on your premium. Certain makes and models are eligible for this discount, so be sure to check with your provider.
Telematics discountBy installing a small, free device to track driving behavior, Wyoming drivers could be rewarded with a discount up to 30% for safe driving. Check with your insurance company for more information. There’s usually a discount just for enrolling.
So, how do you know which discounts you can actually benefit from?
Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium—often, more than one!—but you may need to ask your insurance company which ones you qualify for.

Cheapest car insurance by car make Wyoming?

If you drive a relatively inexpensive car or truck, you can generally expect to pay lower insurance premiums. This is because it will cost less to repair or replace a common model than a rare and expensive vehicle.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident. Usage-based car insurance policies reward these drivers with discounts.
Here’s what Wyoming drivers can expect to pay to insure some popular car makes/models with and without Jerry:
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Make / model
Before Jerry
After Jerry
Chevrolet Silverado K1500 LT$2,832$1,536
Jeep Patriot Sport$1,200$528
Subaru Forester 2.5I Touring$1,344$1,032

Cheapest car insurance in Wyoming by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Here are the top 10 cheapest cities in Wyoming for car insurance:
h(TableStateCheapestCarInsuranceByCity, { cities: ['Cheyenne'], ['Casper'], ['Gillette'], ['Laramie'], ['Rock Springs'], ['Jackson'], ['Buffalo'], ['Sheridan'], ['Lyman'], ['Fe Warren Afb'] })

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium — but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Get the lowest rate possible by choosing a vehicle with good safety ratings, driving safely, qualifying for discounts, and comparing rates with a smart tool like Jerry.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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Frequently asked questions

Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
Jerry currently shops for car, home, renters, and umbrella insurance.
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).

Easiest way to compare and buy car insurance

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