If you don’t have the right type of insurance in Wyoming, you could leave yourself open to big out-of-pocket expenses such as car repair bills, property repairs and medical expenses.
Here’s a look at average Wyoming car insurance rates. We evaluated five car insurance companies so you know which insurers to check out.
Featured Car Insurance Partners
1
Farmers
$2,124
$2,743
Higher than the industry average
2
USAA
Excellent
C+
OK
3
State Farm
Very good
C
Low
Finding Cheap Car Insurance in Wyoming
Comparing quotes to find cheap car insurance in Wyoming shouldn’t be a huge project. We evaluated insurers in Wyoming to find the lowest options.
Cheap Wyoming Car Insurance for Good Drivers
American National P&C and USAA are the cheapest Wyoming car insurance companies for good drivers, among the companies we analyzed.
Cheap Car Insurance in Wyoming for Drivers With a Speeding Ticket
A speeding ticket increases car insurance rates by 23% in Wyoming. The exact rate increase will depend on the insurance company. Even though you’ll see higher insurance rates, you can still shop around for the best car insurance.
USAA and American National P&C have the best average costs for drivers with a speeding ticket in Wyoming, so make sure to get quotes from those companies if you’re shopping for Wyoming auto insurance and have a speeding ticket on your record.
Cheap Wyoming Car Insurance for Drivers Who Caused an Accident With Injury
Causing a car crash that results in an injury to someone else will make it harder to find cheap car insurance. Our analysis found an average increase of 27% in Wyoming compared to drivers with a good driving record.
If you cause an accident with an injury, American National P&C and USAA may have the most competitive prices among the insurance companies in our analysis.
Cheap Wyoming Car Insurance for Drivers With a DUI
Car insurance premiums in Wyoming go up an average of 67% if you have a DUI conviction on your record. You can still compare car insurance quotes to find better rates.
The cheapest Wyoming car insurance companies for drivers with a DUI are American National P&C and USAA, among the insurers we analyzed.
Cheap Wyoming Car Insurance for Drivers With Poor Credit
Wyoming auto insurance companies usually charge drivers higher rates if they have poor credit. People with bad credit pay an average of 52% more for auto insurance in Wyoming.
American National P&C and USAA may be good choices if you’re looking for cheap Wyoming auto insurance and you have poor credit.
Cheap Wyoming Car Insurance for Adding a Teen Driver
Adding a teen to your insurance policy increases rates by an average of 73% in Wyoming, compared to rates for a married couple without a teen driver.
Check quotes from Geico and Farmers if you’re looking for cheap car insurance for teens in Wyoming.
Cheap Wyoming Car Insurance for Young Drivers Ages 18 to 25
Getting your own car insurance is an expensive entry into adulthood. Our analysis found that American National and USAA offer the cheapest Wyoming car insurance for young drivers.
Cheap Wyoming Car Insurance for Senior Drivers Ages 60-80
American National and USAA offer the best car insurance for seniors who are looking for cheap rates in Wyoming. Older drivers should also find out if there’s a discount for taking a defensive driver class.
Older Adult Car Insurance Discount in Wyoming
Wyoming car insurance companies must offer a discount to drivers age 55 and over who complete an approved accident prevention course. The discount, which must be at least 10%, is good for two years and you can renew it by taking the class again.
Least Expensive Vehicles for Insurance in Wyoming
You can potentially save on your car insurance premium depending on what type of car you own. In Wyoming, the Jeep Wrangler JL Sport, Honda CR-V LX and Ford F-150 XL are among the best options for cheap insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive options are below.
The most expensive vehicles for insurance in Wyoming among popular models are the Tesla Model S Performance ($3,885 a year) and Volvo XC90 T8 Inscription ($2,226 a year).
| Vehicle | Average annual rates in Wyoming |
|---|---|
|
Jeep Wrangler JL Sport
|
$1,152
|
|
Honda CR-V LX
|
$1,251
|
|
Ford F-150 XL
|
$1,292
|
|
Ford Escape S
|
$1,324
|
|
Honda Pilot SE
|
$1,329
|
|
Hyundai Tucson SE
|
$1,350
|
|
Jeep Compass Latitude
|
$1,351
|
|
Chevrolet Colorado
|
$1,355
|
|
Dodge Grand Caravan SE
|
$1,364
|
|
Toyota RAV4 LE
|
$1,386
|
|
Subaru Forester 2.5I
|
$1,391
|
|
Toyota Tacoma SR
|
$1,391
|
|
Jeep Cherokee Limited
|
$1,402
|
|
Chevrolet Trax LS
|
$1,405
|
|
Hyundai Elantra SE
|
$1,408
|
|
Nissan Rogue S
|
$1,418
|
|
Ford Ranger Lariat
|
$1,420
|
|
Chevrolet Equinox L
|
$1,422
|
|
Kia Forte EX
|
$1,430
|
|
Ford Edge SE
|
$1,431
|
Related: Most and Least Expensive Cars to Insure Nationwide
Required Minimum Wyoming Car Insurance
Car owners in Wyoming must buy car liability insurance. If you cause a car accident, this coverage pays for damages and injuries you do to others. Liability insurance also pays for your legal defense if someone sues you because of a car accident.
Car owners in Wyoming must buy liability with at least:
- $25,000 for bodily injury to one person
- $50,000 for bodily injury to multiple people in one accident
- $20,000 for damage to property in one accident
You’ll often see this written as 25/50/20.
It’s a good idea to purchase more than the minimum amount of liability insurance. If you cause an accident with multiple injuries, medical bills could exhaust the minimum limits and you could be sued for the rest. We recommend you buy enough liability to cover your assets, like your house and savings.
What Other Wyoming Auto Insurance Types Should I Have?
Uninsured/Underinsured Motorist Insurance. If you’re in a car accident with someone who doesn’t carry liability insurance, uninsured motorist insurance (UM) pays for your medical expenses. Underinsured motorist insurance (UIM) pays for your medical expenses when you’re hit by a driver who doesn’t carry enough liability insurance.
Car insurance companies in Wyoming must offer you UM and UIM, but you can reject them in writing. Generally, this is a good coverage to have.
Medical Payments (MedPay). This covers medical and funeral expenses for you and your passengers no matter who is at fault for the car accident.
Collision and comprehensive insurance. If you want coverage for your car, collision and comprehensive insurance cover a range of problems, including car accidents, car theft, vandalism, hail, floods, fire, collisions with animals and falling objects.
If you have a loan or a lease, your lender or leasing company will most likely require you to carry collision and comprehensive insurance.
Putting It All Together
| Coverage | Required Minimum in Wyoming | Better | Even Better |
|---|---|---|---|
|
Liability insurance
|
-$25,000 per person for bodily injury liability
-$50,000 per accident for bodily injury liability
-$20,000 for property damage
|
-$100,000 per person for bodily injury liability
-$300,000 per accident for bodily injury liability
-$100,000 for property damage
|
-$250,000 per person for bodily injury liability
-$500,000 per accident for bodily injury liability
-$250,000 for property damage
|
|
Uninsured/underinsured motorist coverage
|
Not required
|
-$100,000 per person
-$300,000 per accident
|
-$250,000 per person
-$500,000 per accident
|
|
Medical Payments
|
Not required
|
Recommended
|
Recommended
|
|
Collision coverage
|
Not required
|
Recommended
|
Recommended
|
|
Comprehensive coverage
|
Not required
|
Recommended
|
Recommended
|
Summary: Required Wyoming Auto Insurance
| Coverage type | Required minimum in Wyoming |
|---|---|
|
Liability insurance
|
• $25,000 per person for bodily injury liability
• $50,000 per accident for bodily injury liability • $20,000 for property damage |
|
Uninsured/underinsured motorist coverage
|
Not required
|
|
Medical Payments
|
Not required
|
|
Collision coverage
|
Not required
|
|
Comprehensive coverage
|
Not required
|
Can I Show My Insurance ID Card from My Phone in Wyoming?
Wyoming allows you to use a mobile phone to show an auto insurance ID card. Check with your auto insurance company to see if it offers a mobile app that includes access to electronic ID cards.
Factors Allowed in Wyoming Car Insurance Rates
Car insurance companies usually look at your driving record, past claims, vehicle model and more when setting rates. In Wyoming, companies can also use these factors.
| Factor | Allowed? |
|---|---|
|
Age
|
No
|
|
Credit
|
No
|
|
Education & occupation
|
Yes
|
|
Gender
|
No
|
|
Marital status
|
Yes
|
|
ZIP code
|
Yes
|
Source: American Property Casualty Insurance Association. Other factors will be used to calculate your rates, including driving record and the amount of coverage you want.
How Many Uninsured Drivers are in Wyoming?
About 6% of Wyoming drivers have no auto insurance, according to the Insurance Research Council. If they crash into you, you can try to sue them. Or you can use your uninsured motorist coverage for injuries. You can use your collision coverage for vehicle damage.
Penalties for Driving Without Auto Insurance in Wyoming
If you’re caught driving without insurance in Wyoming, you could be fined $250 (up to $750) and jailed for up to six months.
When Can a Vehicle Be Totaled in Wyoming?
Car insurance companies in Wyoming can determine if a car is a total loss when the damage exceeds 75% of its retail cash value.
Solving Insurance Problems in Wyoming
If you have an unresolved dispute with a car insurance company, you can file a complaint with the Wyoming Insurance Department.
Methodology
To find the cheapest auto insurance companies in Wyoming, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Except where noted, rates are based on a 40-year-old female driver with a clean record insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (known as 100/300/100), uninsured motorist coverage and any other coverage required in the state. Rates also include collision and comprehensive insurance with a $500 deductible.
State averages for Wyoming are based on rates from Allstate, American National P&C, Farmers, Geico, State Farm and USAA.
