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The average cost of basic liability car insurance in Wyoming is $2,060 per year. Opting for full-coverage car insurance in Wyoming will leave you with an average cost of $2,013 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare best car insurance quotes in Wyoming
Car insurance companies base quotes on a wide range of factors, from your credit history and marital status to your driving record, age, ZIP code, vehicle type, and coverage limits. Every company uses a different methodology to calculate your annual premium, so comparing quotes is the only way to find the cheapest auto insurance in Wyoming.
Ready to get started? Let’s take a closer look at the car insurance quotes Jerry users found in Wyoming.
There’s no single company that offers the best average rates to all Wyoming drivers. But there are a handful of companies that come out on top when you look at the average cost of a policy.
State Farm, GEICO, and USAA have some of the lowest rates for many Wyoming drivers—but not all drivers will get cheap policies from these companies. For instance, only military members and their families can get USAA insurance, and State Farm and GEICO don’t have the best rates for all drivers.
If you’ve got a spotty driving history, Progressive might have the lowest rates for you. Families with teen drivers can usually find savings with a Nationwide policy, and Allstate is a good choice for anyone with a poor credit score.
Compare quotes from at least three providers to find the best Wyoming auto insurance company for you!
The average cost of home insurance in Wyoming is $800 to $1,200 per year, depending on the value of your home.
Do I need to live in Wyoming to register my car?
Yes. To register your car in Wyoming, you must either own, rent, or lease a residence in the state.
Does Wyoming require two plates?
Yes. According to state law, Wyoming license plates must be properly displayed on both the front and rear of the vehicle, securely fastened and in plain sight.
Is Wyoming auto insurance expensive?
In general, car insurance in Wyoming is fairly cheap compared to the national average. That’s partly because out of all 50 states, Wyoming has the lowest number of licensed drivers: just 427,000.
With fewer drivers on the road, Wyoming sees a lower rate of car accidents and insurance claims, which keeps car insurance premiums low across the board. The other side of that coin, though, is the high vehicle fatality rates on Wyoming’s treacherous mountain roads. Severe winter weather combined with highway speeds raises the cost of both liability and full-coverage policies in certain regions.
Wyoming requires a minimum of $25,000 of bodily injury coverage, $50,000 of bodily injury liability per accident, and $20,000 of coverage for property.
What do you need if you’re pulled over?
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV, so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Wyoming a no-fault state?
No, Wyoming is not a no-fault state. Wyoming is an at-fault state. This means the at-fault driver’s insurance will pay for the not-at-fault driver’s and passengers' injuries, once the at-fault driver’s insurance company accepts liability and confirms that there is enough coverage.
Wyoming’s moderate insurance laws keep the average annual rate for liability insurance low—but what if you want extra protection? Liability insurance will only pay for damage to other drivers’ vehicles in an at-fault accident, but collision and comprehensive coverage—neither of which is required by state law—can pay for damage to your vehicle caused by crashes or other covered events such as severe weather or theft.
Adding comprehensive and collision coverage to your auto insurance policy will give you what’s typically called “full coverage car insurance,” the gold standard in the industry. How much will it add to your insurance costs? Check out the graph below.
Cheap car insurance with a DUI or speeding ticket in Wyoming
Driving violations can have a huge impact on your Wyoming car insurance rates. A single speeding ticket might not cause a big increase, but repeated tickets will—and just one major violation like a DUI or reckless driving charge could cause your premium to nearly double.
Teen drivers pay some of the highest rates for car insurance in Wyoming. In fact, anyone under age 25 can expect the average cost of car insurance to be higher than for older drivers.
Insurance companies value experience and are really, really wary of any driver that seems risky. Because young drivers have a statistically higher rate of both accidents and violations, charging high average premiums for drivers under 25 years old is the way insurance companies protect themselves from risk.
Where you live in Wyoming can affect your car insurance costs. Major cities like Laramie, Sheridan, and Cheyenne tend to have higher insurance costs due to busy traffic and higher accident rates. But if you live in an area with lots of dangerous mountain roads, you might also see a higher rate.
Glenrock has the longest commute time in Wyoming, with an average commute time of 27.4 minutes. If you spend a lot of time in your car, you run a higher risk than the average driver of being involved in an accident.
Why? Popularity, reliability, and a low starting price all make insurance more affordable. For cheap, safe vehicles like a standard pickup truck, a compact SUV, or a family sedan, you can expect lower average premiums than for luxury vehicles or anything with a reputation for speedy or risky driving.
The most popular vehicle in Wyoming is the Ford F-150. The average F-150 driver pays $1,180 a year in car insurance. People who use Jerry can expect to see this number decrease by finding the best rates.
Do you need more than the state minimum coverage in Wyoming?
If you’re reviewing your insurance options in Wyoming, you might be wondering: just how much coverage do I really need?
State law says that you need to meet certain minimum liability limits, but only carrying state minimum coverage won’t give your vehicle or your bank account all the protection you need. If you can afford to purchase additional liability coverage along with collision, comprehensive, and uninsured motorist coverage, you’ll be better prepared for the steep expenses that can follow a car accident.
Look at it this way: the average cost of a hospital stay following an accident is about $60,000, and the average vehicle on the road has a value of about $48,000. If you’re responsible for a serious accident—the kind that can happen on Wyoming’s icy roads and high-speed highways—you could be significantly underinsured if you only carry state minimum coverage.
For ideas of other coverage options to add to your car insurance policy, check out the features below.
Wyoming is ranked 8th for least traffic while also maintaining lower than average accident rates. While risk is minimal, it is important to stay covered with collision protection so you never need to worry.
Wyoming ranked 3rd as the state with the fewest vehicle thefts in 2020. For the 964 people whose cars were stolen, having the proper comprehensive coverage would be the difference between a complete loss and a new car.
5.8% of drivers in Wyoming are underinsured or uninsured—That’s almost 6 drivers out of every hundred. Don’t let the minority of drivers affect a majority of your finances. Uninsured/underinsured motorist coverage protects you when you need it most.
Wyoming residents rate the state a 4/10 for road quality. While the state may be irresponsible with its roads, you can’t afford to be irresponsible with your ride. Get the help you both need by signing up for roadside assistance.
How to find cheap auto 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
Comparing car insurance quotes is the #1 way to reduce your insurance costs in Wyoming. Purchasing the first policy option that comes your way might be convenient, but it raises your odds of overpaying for coverage exponentially.
When comparing quotes, take a close look at what the policy covers, what payment options and discounts the insurer offers, and how the claims process works. It’s also a good idea to take customer service ratings into account when comparing insurance companies—it might seem insignificant compared to the price itself, but you’ll be grateful when it comes time to process a claim or resolve an issue with your account!
Most car insurance companies will give you a discount for bundling multiple types of policy (e.g. home and auto), but that’s not the only discount you can get! Check out the list below for ideas of different car insurance discounts to check for in Wyoming:
Clean Driving Record Discounts
Having a clean driving record never hurt anyone (literally). If you drive safely and don’t make many insurance claims, your carrier will reward you with reduced prices.
Car insurance customers who also get home or renters insurance with the same carrier can get a bundling discount.
Happily ever after doesn’t have to be at the altar. Married couples can also see a decrease in their premiums.
Safety Ratings and Anti-theft Discounts
Vehicles that have high safety ratings and anti-theft technology mean you’re safer in your car. Carriers will offer lower rates for safer vehicles.
Increase your deductible
If your Wyoming auto insurance policy includes collision or comprehensive coverage, that insurance comes with a deductible that you must pay before insurance will pay out on a claim.
In most cases, your collision and comprehensive deductibles will be $500 or $1,000—the two most common amounts. But the higher your deductible, the lower your monthly payments will be—so if you can afford a higher out-of-pocket payment, it may be worth asking your insurer for a deductible increase.