Car Insurance in Wyoming

Here's what you need to know when driving in Wyoming

Across the Cowboy State, there are 58,385 miles of road just waiting to be driven. The average car insurance rate in Wyoming is $1,528 per year — almost exactly the same as than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Wyoming car insurance rates for these rating factors in an effort to help you find an affordable policy.

Read on to learn how much auto insurance costs in Wyoming based on these variables, or submit your ZIP code above to receive car insurance quotes from top insurers.

The best car insurance companies in Wyoming

Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Wyoming.

The cheapest car insurance companies in Wyoming

These companies offer the cheapest rates in the following scenarios.

Wyoming auto insurance laws

Car insurance is mandatory in almost every state, including Wyoming. If you choose the legal minimum coverage level in Wyoming, expect to pay an average of $325 annually. This expenditure is less expensive than the nationwide average by 40%. 

State minimum coverage

In order to drive legally in the state of Wyoming, you must carry at least the minimum liability limits listed below:

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

If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Wyoming, a comprehensive insurance policy with a $1,000 deductible costs $1,255, 286% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 376% more than you would for basic coverage.

Wyoming car insurance premiums by rating factor

Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Wyoming.

Cheap auto insurance in Wyoming for minimum coverage

Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In Wyoming, the average cost for minimum coverage is $27 per month, or $325 yearly — a savings of $1,223 compared to full coverage.

Cheap auto insurance in Wyoming with bad credit

Your credit history is an important factor in determining your car insurance rates. Many carriers see those with a poor credit score as being higher risk, meaning you could pay more for your policy. On average, Wyoming drivers with poor credit pay 50% more per year than those with exceptional credit. Have a look at some common rates by credit tier below.

Cheap auto insurance for young drivers in Wyoming

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Wyoming, teen drivers pay especially high rates: $4,849 per year — that's $53 more than the nationwide average and over twice as much as a typical Wyoming driver.

Wyoming auto insurance rate by violation

In Wyoming, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average. 

Wyoming DUI laws

In Wyoming, a DUI offense can increase your annual car insurance premium by an average of $1,084. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.

Low-cost car insurance after a DUI in Wyoming

If you're convicted of a DUI or DWI violation in Wyoming, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Wyoming, American National P&C, advertises annual rates 44% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Wyoming is State Farm, while the priciest firm is Metropolitan, with prices 77% above average.

There is no car insurer in particular that offers cheap DUI auto insurance. The recommended way to save in the wake of a DUI citation is to shop around.

Wyoming SR-22 insurance

An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Wyoming to ensure that you remain insured.

Finding cheap auto insurance with an SR-22 in Wyoming might require some research, but it could pay off in the end.

How to acquire an SR-22 in Wyoming

For currently insured drivers

If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.

For uninsured drivers

When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers without a vehicle

Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.

Rates by city

Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Big Horn, Wyoming, and the most expensive in Wilson, Wyoming.

Have a look at the table below to see average car insurance costs in some of Wyoming's biggest cities.

Car insurance price trends in Wyoming

In Wyoming, average annual auto insurance costs increased by $88 in the past year. A typical Wyoming driver pays an average of $1,548 per year.

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.

Wyoming car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Wyoming auto insurance.