Car Insurance in Wyoming

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Looking for cheap car insurance in Wyoming?

The car insurance minimums that drivers have to purchase in Wyoming aren’t above average, but high traffic fatality rates tend to keep car insurance prices high. The good news is that using Jerry is an easy way to save on your insurance without worrying about extra work.
Where you live affects your insurance rates, but it’s not the only factor that insurance companies take into account. Since every provider uses its own formula, shopping around is a smart way to find savings. The free insurance shopping app Jerry makes it easy to find affordable rates.
All you have to do is answer a few short questions to get a list of quotes from top providers in your area. Once you make your pick, Jerry takes care of the switchover.
Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls—and Jerry will even send you new quotes every time your policy is up for renewal so you never miss out on the best price. Basically, you get all the savings and coverage with none of the hassle.
Here are some real quotes from customers in Wyoming who saved money with Jerry:
Quote DateCarCityNameAgeCarrier
Before Jerry
After Jerry
May 7, 2022Mitsubishi Endeavor LSLaramieFrederick F.24Safeco$248/mo.$64/mo.
April 29, 2022Chrysler Town & Country Touring LCasperConnor P.24Progressive$121/mo.$94/mo.
May 7, 2022Ford F350 Super DutyJacksonLilly G.38Safeco$148/mo.$101/mo.
May 2, 2022Hyundai Accent SESheridanLucile B.21Safeco$240/mo.$122/mo.
May 17, 2022Ford Focus STCheyenneEddie W.33Progressive$280/mo.$234/mo.
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How much does car insurance cost in Wyoming?

The average cost of liability-only car insurance in Wyoming is $1,591 per year. If you prefer to buy full coverage car insurance in Wyoming, you can expect to pay an average cost of $1,860 per year.

How does the annual cost in Wyoming compare to the rest of the country?

Across the U.S., it costs an average of $1,626 per year to buy liability-only car insurance and $2,298 per year to buy full-coverage car insurance.
Why is insurance so expensive in Wyoming? Here are two of the two biggest reasons:
  • High rate of fatal car accidents
  • Severe weather
Here’s how Wyoming’s insurance savings stack up against nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
National Average$2,436$1,660$2,296$1,376$2,654$1,962
WYNational Average
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
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Top auto insurance providers in Wyoming

You can choose from a number of popular auto insurance companies in Wyoming, including State Farm, Allstate, GEICO, and Farmers.
If you get quotes in Wyoming for the same car from multiple carriers, you’ll end up with a number of different rates. That’s because each carrier has its own formula to determine the risk presented by drivers.
There are many factors that are used to determine your risk profile. Some of the most common include your age, your driving record, and yes, your location.
For example, in Wyoming, one carrier may see a lot of claims from drivers who insure a specific model of car. If you drive this model as well, you can expect this carrier to hike up your premium.
Another carrier may see a lot of claims for car theft and vandalism in your specific geographic area, and they might factor that risk into your quote.
Some of the most popular carriers in Wyoming include the following:
Insurance Company
Average Cost
Annual Savings with Jerry
Kemper$1,896$878Compare Prices
Safeco$2,305$750Compare Prices
Dairyland$1,644$632Compare Prices
Nationwide$2,117$622Compare Prices
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What car insurance do you need in Wyoming?

In Wyoming, drivers are required to meet the following minimum liability insurance coverage levels:
Bodily injury liability$25,000 per person / $50,000 per accidentHelps cover any medical bills or other costs associated with injuries you cause to others
Property damage liability$20,000 per accidentHelps covers the cost associated with damage you cause to vehicles or property that belong to other people
Wyoming requires drivers to have car insurance so they can assume financial responsibility for injuries and damages in the event of a collision.
If you let your coverage lapse, or if you fail to buy car insurance altogether, potential consequences include:
  • An expensive ticket
  • A driver’s license suspension
  • A towed and impounded car
  • A lack of financial protection if you get into an accident
While you may think having the minimum required liability coverage in Wyoming is sufficient, there’s no guarantee that it will cover all the expenses associated with an accident. If you can afford to buy more coverage, then you should.
Here are some additional types of coverage that would benefit drivers in Wyoming:
Collision insuranceHelps cover any damages to your vehicle if you get into a collision with someone else’s vehicle or another object
Comprehensive insuranceHelps cover damage to your car from something other than a collision, such as contact with animals, natural disasters, fire, vandalism, theft, and fallen objects.
Uninsured motorist coverageHelps cover any damages resulting from an accident caused by an uninsured driver
No matter what kind of coverage you’re looking for, Jerry can help you save money on your auto insurance.
Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help cancel your old policy. And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal.

How is your cost of car insurance determined in Wyoming?

Insurance companies take several factors into account when setting your car insurance premium, including your age, driving record, zip code, and the type of vehicle you drive.

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, you’re unlikely to enjoy the same low rates as your parents. However, you can still get cheap car insurance quotes by shopping around, maintaining a clean driving record, and seeking out discounts.
No matter your age, start by quote shopping with Jerry.
Here are the prices Jerry offers drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
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Cost to insure your car in Wyoming with a poor 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
Average Cost
Annual Savings with Jerry
Clean Record$2,244$732
Open Container$3,888$3,058
Leaving scene of an Accident/Hit and Run$2,509$1,562
Driving on Sus. License$2,760$1,406
Speeding under 15$3,040$1,093
Speeding over 15$2,765$1,061
Failure to Obey Traffic Sign$2,895$638
Careless Driving$2,748$519

Cost to insure your car in Wyoming based on where you live

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in big cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Here are the savings that Jerry was able to find for drivers in 10 cities in Wyoming:
Average Cost
Annual Savings with Jerry
Rock Springs$1,644$632
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Cost to insure your car in Wyoming based on the type of car you drive

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.
Pickup trucks like the Ford F-150 and the RAM 1500 are extremely popular in Wyoming, so repair costs tend to be pretty reasonable.
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:
Average Cost
Annual Savings with Jerry
Infiniti G37$3,600$2,069
Chevrolet Silverado K1500 LT$2,163$1,561
Jeep Cherokee Trailhawk$2,667$1,178
Chrysler 300C$1,152$1,152
Ford Ranger Super Cab$1,337$1,004
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How to save money on car insurance in Wyoming

There are a few different ways for you to lower the cost of your car insurance without skimping on coverage.

Shop around for quotes

The best way to find savings on your car insurance is to compare quotes from several insurance companies. Want to find out if you’re overpaying? Let Jerry do the work for you.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Answer just a few easy questions and let Jerry handle all the hard work for you—from collecting quotes to helping you cancel your old policy.
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.

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.

Look for discounts

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 of up to 30% for safe driving. Check with your insurance company for more information. There’s usually a discount just for enrolling.
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.

Registering your car in Wyoming

If you want to register a car in Wyoming, you need to have the following paperwork prepared:
  • A driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • A car title or signed lease agreement
  • Proof of a safety inspection
  • Proof of a smog test, depending on the age of the vehicle
Once you have the paperwork, head to the DMV. It’s usually best to make an appointment first. At the DMV, you’ll have to fill out a registration form that asks for some personal details as well as information about your vehicle.

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