How to find the cheapest car insurance quotes in Wyoming

While it would make insurance shopping much easier, there’s not a single car insurance company that offers the cheapest rate for every single driver. That’s why comparing car insurance quotes online is one of the easiest ways to find the cheapest car insurance rates in Wyoming.

Jerry Insurance Agency makes this process fast and easy—and if you find the coverage you’re looking for at the right rate, we can even help you switch to your new policy. Check out some quotes from Jerry users below.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage
Bristol West	$101	Marian, 35, Laramie, WY	Bmw 330Xi	State Minimum	No
Dairyland	$469	Randall, 23, Cheyenne, WY	Jeep Compass Latitude	State Minimum	Yes
Dairyland	$119	Kate, 35, Evanston, WY	Toyota Sienna Ce	50/100	Yes
Progressive	$501	Gussie, 19, Gillette, WY	Ford Focus Se	50/100	Yes
Bristol West	$155	Dylan, 56, Greybull, WY	Ram 2500 St	State Minimum	Yes

Last Updated Dec 17, 2024

Cheapest car insurance companies in Wyoming

At Jerry, we wanted to learn which car insurance providers offered the cheapest rates in Wyoming—so we conducted the largest insurance shopping survey in the country, and you can see the results below.

Insurance Company	Date	Cost rating (out of 5)	What our customer said:
Encompass	October 31, 2024	5	“Cheapest insurance I’ve had and offers similar benefits to the previous ones I’ve had. I do wish Nationwide offered g…(read more)” -Robert
Freedom National	October 29, 2024	5	“They be the cheapest for me” -Jon
Progressive	October 24, 2024	5	“Amazing price.” -Fanny
State Farm	October 24, 2024	5	“My husband and I go through State Farm for our homeowners insurance. We recently learned that we can bundle and save …(read more)” -Isabella
AAA	October 19, 2024	5	“Aaa has been great to work with. We have had no issues .” -Helena

This is what we found: There’s not a one-size-fits-all auto insurance company that will offer everyone the cheapest rates. After all, different providers will weigh factors differently when calculating rates.

Saving on car insurance is one thing, but the best car insurance providers should also be pleasant to work with. After finding new policies through Jerry, here’s what these customers have to say about their own experiences with various companies.

The easiest way to find the best deal on car insurance: Use a car insurance comparison website or app like Jerry.

Jerry is a licensed insurance broker that can help you find and compare car insurance quotes in one centralized location. If you find a policy option you like, our team of 100+ licensed insurance agents can answer your questions and help you make the switch to your new coverage—and cancel your old one.

Minimum liability and full coverage

Wyoming law requires car insurance policies to include a minimum amount of liability coverage. In many cases, it’s also beneficial to add full coverage or other coverage types to a policy as well.

Cheapest minimum liability coverage in Wyoming

Wyoming car insurance policies must meet the state’s minimum car insurance requirements. That includes the following coverage:

• Bodily injury liability: $25,000 per person, $50,000 per accident
• Property damage liability: $20,000 per accident

You may see these minimum liability coverage requirements referred to as 25/50/20.

Find out what other Wyoming drivers have paid for minimum liability insurance after finding a policy with Jerry.

Do you need more than the minimum liability insurance coverage in Wyoming?

Even the best drivers can’t be completely immune to the risk of an at-fault accident—and severe ones can easily exceed Wyoming’s minimum liability coverage limits.

For better financial protection, insurance experts commonly recommend choosing higher liability limits than state-required minimums, such as 50/100/50 or 100/300/100.

Cheapest full coverage car insurance quotes in Wyoming

Liability coverage won’t protect your own vehicle, but comprehensive and collision coverage can.

Often referred to together as full coverage, these two coverage types will pay to repair or replace your vehicle after various types of incidents:

• Collision coverage: Applies to damages after an accident
• Comprehensive coverage: Applies to damage caused by a range of other types of events, such as severe weather, theft, vandalism, or hitting an animal

If you have a car loan: Although not legally required, car loan lenders commonly require that you keep full coverage on your policy for the duration of your loan.

These are rates Jerry users have found for full coverage policies in Wyoming.

Insurance Coverage	Has Full Coverage	Insurance Company	Premium (monthly)	Customer	Car
State Minimum	No	Bristol West	$101	Marian, 35, Laramie, WY	Bmw 330Xi
State Minimum	Yes	Dairyland	$469	Randall, 23, Cheyenne, WY	Jeep Compass Latitude
50/100	Yes	Dairyland	$119	Kate, 35, Evanston, WY	Toyota Sienna Ce
50/100	Yes	Progressive	$501	Gussie, 19, Gillette, WY	Ford Focus Se
State Minimum	Yes	Bristol West	$155	Dylan, 56, Greybull, WY	Ram 2500 St

Last Updated Dec 17, 2024

Average rates for state minimum liability coverage and full coverage

Jerry has found that the average cost for minimum liability coverage is $100 per month or $1,201 per year in Wyoming. For full coverage, the average monthly premium is $144, which comes out to about $1,733 per year.

Keep in mind: While Wyoming car insurance costs tend to fall below the national average, your own premium will largely depend on factors that are specific to your unique driver profile—like your zip code, the vehicle you drive, your driving record, your demographics, the coverage level you choose, and more

Wyoming car insurance: Additional coverages

For even more protection, you can consider adding optional coverage types to your Wyoming car insurance policy, such as:

• Towing and labor coverage
• Rental reimbursement coverage
• Medical expenses coverage
• Uninsured motorist / underinsured motorist coverage

For car loans: Gap insurance can help you cover the remaining balance on your car loan if your vehicle gets totaled and has a value that’s less than what you owe.

If you don’t own a vehicle but borrow someone else’s: A non-owner car insurance policy will give you the liability coverage you need, and you usually have the option to add on additional coverage types if you want. That said, you won’t be able to add full coverage if you’re not the legal owner of the vehicle.

Car insurance premium by rating factors

Wyoming car insurance providers will consider a number of factors when calculating your premium, including:

• Your driving record: Good drivers with clean driving records will have an easier time finding a cheap auto insurance policy.
• Your claims history: Policyholders are statistically more likely to file an insurance claim again if they’ve filed one in the past, and they may pay a higher rate as a result.
• Where you live: Your zip code’s population, accident rates, crime rates, and risk for natural disasters can influence the cost of your car insurance premium.
• Your credit score: Drivers with higher credit scores often get lower car insurance rates than drivers with poor credit.
• What kind of vehicle you drive: Full coverage typically costs more for luxury vehicles, sports cars, or high-value vehicles.
• How you use your car: The car you drive for your daily commute will usually cost more to insure than one you only take out on the weekends.

Cheapest Wyoming car Insurance after a driving violation

It’s common for car insurance rates to rise after a driving violation, but how steep that rate increase might depend on the severity of the offense. If you’re facing a premium increase, shopping around for quotes could help you find a cheaper option.

Cheapest car insurance for Wyoming drivers with a speeding ticket

Speeding tickets can cause your car insurance rate to rise—but a speeding ticket for 7 mph over the speed limit might not cut into your budget as much as a ticket for driving 20 mph over the speed limit.

Here are rates Wyoming drivers have found after speeding tickets with help from Jerry.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Speeding Violation-Major	Bristol West	$89	Lettie, 48, Casper, WY	State Minimum	No
Speeding Violation-Major	Progressive	$153	Bradley, 18, Rawlins, WY	State Minimum	No
Speeding 16-20	Progressive	$185	Wesley, 32, Cheyenne, WY	State Minimum	Yes
Speeding Violation-Major	Progressive	$85	Barbara, 40, Evansville, WY	50/100	Yes
Speeding Violation-Major	Dairyland	$267	Jonathan, 41, Hulett, WY	State Minimum	Yes

Last Updated Dec 17, 2024

Cheapest auto insurance in Wyoming after a DUI

Some of the steepest car insurance rate increases come after a DUI conviction. Comparing quotes from multiple providers could help you find coverage that’s still affordable.

Here are car insurance rates Wyoming drivers have found with Jerry after DUI violations.

Wyoming SR-22 insurance

Serious driving violations like reckless driving or a DUI might leave you subject to SR-22 requirements.

Sometimes, finding a car insurance provider willing to offer coverage with SR-22 requirements can be a challenge, but there are still plenty of car insurance companies that work with high-risk drivers, and some specialize in doing so.

Cheapest Wyoming auto insurance after an at-fault accident

At-fault accidents can put your Wyoming car insurance costs on the rise—especially if there were injuries that resulted from the collision.

Shopping around for quotes after an at-fault accident could help you find more affordable coverage options. Take a look at quotes Jerry users have found below.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage
At Fault With No Injury	Bristol West	$208	Micheal, 58, Casper, WY	State Minimum	No
At Fault With No Injury	Bristol West	$160	Nancy, 56, Casper, WY	State Minimum	No
Not At Fault	Bristol West	$89	Lettie, 48, Casper, WY	State Minimum	No
At Fault With No Injury	Progressive	$185	Wesley, 32, Cheyenne, WY	State Minimum	Yes
At Fault With No Injury	Dairyland	$74	Barry, 31, Newcastle, WY	State Minimum	No

Last Updated Dec 17, 2024

• Is Wyoming a no-fault state?

  Wyoming is an at-fault state: This means that for car accidents in Wyoming, the driver determined to be at fault is financially responsible for any resulting injuries or property damage.
  It also means that compared to no-fault states, average insurance costs can be lower since fewer coverage types are required.
  
  While not required, uninsured/underinsured motorist coverage can give you extra financial protection if you end up in an accident and the at-fault driver doesn’t have sufficient insurance of their own.

Cheapest auto insurance after other violations in Wyoming

How much a violation on your driving record impacts your insurance costs largely depends on the severity of the violation.

From driving on a suspended license to failure to yield, here’s a look at what Wyoming drivers are paying for insurance after various types of violations.

Violation	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Improper Passing	Dairyland	$119	Kate, 35, Evanston, WY	50/100	Yes
DUI	Bristol West	$208	Micheal, 58, Casper, WY	State Minimum	No
Suspension	Dairyland	$147	Loretta, 49, Cheyenne, WY	State Minimum	Yes
DUI	Dairyland	$119	Nicholas, 28, Cheyenne, WY	State Minimum	No
Following too Closely	Dairyland	$356	Mary, 18, Afton, WY	State Minimum	Yes

Last Updated Dec 17, 2024

Cheapest Wyoming auto insurance based on insurance history

Your auto insurance history will influence your future premiums. Maintaining continuous coverage over a long period of time will typically deem you a lower risk and help you secure a lower rate.

On the other hand, if you’ve had one or more car insurance coverage lapses, you might have to pay more for your coverage.

If you’re car insurance shopping for the first time, choosing a policy that’s within your budget and meets your coverage needs will give you a helpful head start on finding lower rates in the future.

Because on-time payments are essential to keep your coverage active, Jerry can send customers payment reminders and even late payment warnings.

Check out what other Wyoming drivers are paying for car insurance based on their insurance status at the time of requesting their quotes.

Cheapest car insurance for drivers with poor credit

Your credit history can have a significant effect on what you pay for car insurance. Since drivers who have poor credit are statistically more likely to file claims, they often see higher insurance rates.

In contrast, drivers who have good credit will often find lower rates.

In fact, Jerry’s data shows that the average car insurance costs for drivers who have credit scores of 750 or higher pay about 20% less than those who have credit scores of 550 or lower.

Take a look at what Wyoming drivers with varying credit scores are paying for car insurance.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Liability Limits	Has Full Coverage
550-659	Bristol West	$101	Marian, 35, Laramie, WY	Bmw 330Xi	State Minimum	No
550-659	Dairyland	$469	Randall, 23, Cheyenne, WY	Jeep Compass Latitude	State Minimum	Yes
550-659	Dairyland	$119	Kate, 35, Evanston, WY	Toyota Sienna Ce	50/100	Yes
660-750	Progressive	$501	Gussie, 19, Gillette, WY	Ford Focus Se	50/100	Yes
660-750	Bristol West	$155	Dylan, 56, Greybull, WY	Ram 2500 St	State Minimum	Yes

Last Updated Dec 17, 2024

Cheapest Wyoming car insurance by age

How much you pay for car insurance in Wyoming largely depends on how old you are.

Young drivers see the highest average car insurance rates. But for safe drivers, those costs gradually decrease over time as they continue building experience behind the wheel.

As drivers reach their mid-seventies, average premium costs begin to increase—but still not as drastically as teen car insurance rates.

Cheapest Wyoming car insurance for young drivers

Thanks to a higher accident risk, drivers ages 16 to 19 will typically see some of the highest car insurance rates.

That makes full coverage a worthwhile consideration for vehicles being used by young drivers—especially if they’re newer or carry a higher value.

Cheapest Wyoming car insurance for senior drivers

Due to elevated accident risks and the likelihood of severe injuries when accidents occur, car insurance costs start to increase over time for senior drivers.

Find out what rates senior drivers in Wyoming are finding with Jerry’s help.

Cheapest car insurance for popular cars

The type of vehicle you drive has a major impact on your car insurance costs. Insurers will consider factors like its:

• Age
• Safety
• Theft risk
• Repair/replacement costs

These are some vehicles that are popular with Wyoming drivers:

• Ford F-150
• Chevrolet Silverado 1500
• Ram 3500
• GMC Sierra
• Jeep Cherokee
• Jeep Renegade
• Subaru Outback

Take a look at the insurance costs for these models.

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage
Ford F-150	Progressive	$32	Russell, 65, Buffalo, WY	50/100	No
Jeep Renegade Latitude	Dairyland	$228	Mable, 28, Wheatland, WY	50/100	Yes
Ram 3500 Limited	Dairyland	$55	Polly, 30, Jackson, WY	State Minimum	No
Jeep Cherokee Sport	Dairyland	$40	Ernest, 39, Lander, WY	State Minimum	No
Gmc Sierra K2500 Heavy Duty	Dairyland	$119	Luis, 59, Cheyenne, WY	State Minimum	Yes

Last Updated Dec 17, 2024

Car insurance cost for new vs. old car

Generally, new cars cost more to insure than old cars. Modern vehicles feature sophisticated technology that creates a huge difference between the insurance costs of a model from ten years ago. Plus, the rising cost of materials and supply chain issues have only made repairs more expensive.

On the plus side, we can now use technology to find and compare car insurance quotes without much effort.

Wyoming cheapest car insurance by location

Where you keep your car has a major influence on your premium. Drivers in Cheyenne might see different rates than those in Laramie.

Expect to pay more for car insurance if your city has a high population density, high accident rates, or high auto theft rates. Even within the same city, you might see differing average rates for different zip codes.

You can often pay less for insurance if you can park your vehicle in a secure garage, where it’s protected from severe weather or tampering.

Find out what rates drivers are finding across Wyoming with Jerry.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance Coverage	Has Full Coverage
Laramie, WY	Marian	Bristol West	$101	Bmw 330Xi	State Minimum	No
Cheyenne, WY	Randall	Dairyland	$469	Jeep Compass Latitude	State Minimum	Yes
Evanston, WY	Kate	Dairyland	$119	Toyota Sienna Ce	50/100	Yes
Gillette, WY	Gussie	Progressive	$501	Ford Focus Se	50/100	Yes
Greybull, WY	Dylan	Bristol West	$155	Ram 2500 St	State Minimum	Yes

Last Updated Dec 17, 2024

How to lower car insurance costs in Wyoming

If you’re looking to lower your Wyoming car insurance costs, take note of these tips from Jerry’s team of licensed insurance agents:

• Shop around and compare multiple quotes.
• Take advantage of car insurance discounts—like good student discounts, safe driver discounts, occupational discounts, or low mileage discounts.
• Bundle your car insurance with your other insurance policies like homeowners insurance or renter’s insurance.
• Consider raising your deductibles for comprehensive and collision coverage.
• Improve your credit score.
• Take an approved defensive driving course.
• Consider dropping collision and comprehensive coverage on older or low-value cars.

Why car insurance is so expensive in Wyoming

In addition to the factors within your control, the following are some additional factors that can make Wyoming car insurance cost higher:

• High population density cities
• Uninsured drivers
• Healthcare costs
• Rising vehicle repair costsArea accident and crime rates
• Severe weather risks