Average Car Insurance Cost in Wyoming (2025)
Drivers in Wyoming pay an average of $86 monthly for car insurance.
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Written byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Edited byMatthew Gross
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Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Table of contents
Wyoming typically has cheaper car insurance than the rest of the U.S. Drivers in the Cowboy State pay an average of $86 per month for insurance, according to Insurify data. That’s compared to the U.S. national average of $150 per month.
Car insurance rates in Wyoming have stayed relatively low year after year for a variety of reasons. Wyoming has a low population density and one of the lowest rates of uninsured drivers in the U.S., which helps keep insurance costs affordable.[1]
Quick Facts
Wyoming drivers pay an average of $55 per month for liability-only car insurance and $117 for full coverage.
Drivers in Casper and Cheyenne pay similar rates for full-coverage car insurance.
Liability policies in Cheyenne are usually more expensive than the state average.
How much is car insurance in Wyoming?
Drivers in Wyoming pay a monthly average of $55 for a liability policy and $117 for a full-coverage policy.
Wyoming’s state-minimum requirements cover property damage and bodily injury or death you cause in an accident.[2] If you finance your car, your lender may require you to purchase coverage for your vehicle, too. In that case, the state minimum wouldn’t be enough coverage, and you’d need full-coverage insurance.
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How Wyoming car insurance rates have changed over the past two years
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To find car insurance rates in Wyoming and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Wyoming rose to $1,500 in 2024, but there were no significant rate spikes over the past few years. Full-coverage rates also rose nationally, though they remain more expensive than in Wyoming.
See how Wyoming car insurance prices have changed in the chart below.
Average Wyoming Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Wyoming car insurance rates by city
Wyoming may have cheap car insurance on average, but rates can vary depending on where you live. Insurance companies consider your address when setting prices, and factors like severe weather and accident rates can affect how much you pay for coverage.
For example, there were 15 fatal car crashes in Cheyenne in 2024 — but only four in Jackson.[3] People living in cities typically pay more for car insurance than people living in rural areas.[4]
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Casper | $58 | $123 |
| Cheyenne | $64 | $131 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Wyoming (2025)
Average Wyoming car insurance rates by age and gender
Your age and gender can affect your insurance costs, too. For example, a teen driver is more likely to cause an accident than a 50-year-old driver. And female drivers typically pay less for coverage than male drivers because male drivers are more likely to engage in high-risk driving behaviors.[5]
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $126 | $284 |
| 18 | $109 | $247 |
| 20 | $78 | $175 |
| 25 | $68 | $154 |
| 30 | $58 | $132 |
| 40 | $55 | $124 |
| 50 | $46 | $103 |
| 60 | $43 | $97 |
| 70+ | $48 | $108 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $121 | $273 |
| 18 | $105 | $237 |
| 20 | $74 | $169 |
| 25 | $65 | $147 |
| 30 | $56 | $126 |
| 40 | $53 | $120 |
| 50 | $44 | $99 |
| 60 | $41 | $93 |
| 70+ | $46 | $100 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Wyoming
Wyoming lies at the center of the farm, ranch, and oil industries, so it’s no surprise that pickup trucks round out the most popular vehicles in Wyoming year after year.[6] But trucks have different repair costs and safety features, which can affect how much you pay for car insurance.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $130 |
| Ram 1500 | $155 |
| Chevrolet Silverado | $138 |
| GMC Sierra | $139 |
| Toyota Tacoma | $130 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Wyoming
You’ll pay more for insurance if you have infractions on your driving record.[7] Speeding tickets and at-fault accidents will cause your rates to go up because insurance companies view you as a higher risk and more likely to file claims.
That’s especially true if you get a DUI. In addition to higher insurance rates, you may need to complete an alcohol treatment program or install a driver ignition interlock device before the state will reinstate your license.[8]
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $216 | 55% |
| With speeding ticket | $233 | 58% |
| With DUI | $243 | 60% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Most states — including Wyoming — allow insurance companies to use your credit history when determining rates. Insurers view drivers with excellent credit as less likely to file claims, so they’ll pay less for coverage. But drivers with poor credit pay higher rates because insurers think they’re more likely to file claims.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $54 $123 Good $56 $127 Fair $54 $123 Poor $74 $158 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Wyoming
The average cost of car insurance may have dropped in Wyoming over the past few years, but you can always try to save more money. Here are some tips to help you pay less for your car insurance:
Ask about discounts
Most insurers offer multiple discounts. Younger drivers can often get discounts for good grades. Older drivers can also save money by taking defensive driver education courses.
Improve your credit
You’ll pay less for auto insurance if you maintain good credit.
Reduce your coverage
If you’ve paid off your car or can afford to replace it, choosing a minimum-coverage policy can reduce what you pay for car insurance.
Opt for a higher deductible
Choosing a higher deductible can lower your monthly insurance premiums. But make sure you have enough money set aside because you’ll have to cover more expenses out of pocket if you’re in an accident.
Shop around
You can compare quotes from different companies to find the cheapest coverage. Using an insurance comparison website can save you time by getting multiple quotes simultaneously.
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Wyoming average car insurance cost FAQs
To help you make the best decisions for your coverage, we’ve answered some of Wyoming drivers’ most common questions about auto insurance.
The average annual cost of car insurance in Wyoming is $1,030. Wyoming Drivers pay an average of $660 per year for liability-only coverage and $1,400 for full-coverage insurance.
Progressive is the cheapest car insurance company for liability-only coverage in Wyoming, according to Insurify data. Direct Auto offers the lowest average rates for full coverage.
The average rate for car insurance in Wyoming is $55 per month for a liability-only policy and $117 for full-coverage car insurance.
State Farm, Farmers, and GEICO are some of the best auto insurance companies in Wyoming. All three companies ranked highly for customer satisfaction in J.D. Power’s most recent survey.[9]
Wyoming requires drivers to buy at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, plus $20,000 in property damage liability coverage. Insurers may add uninsured or underinsured motorist coverage to your policy, but you can decline this coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Wyoming Department of Transportation. "Frequently Asked Questions."
- Wyoming Department of Transporation. "Fatality Crash Summary."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- National Association of Insurance Commissioners. "NAIC Consumer Shopping Tool for Auto Insurance."
- Edmunds. "Most Popular Cars in America."
- Insurance Information Institute. "What if I can't find auto coverage?."
- Wyoming Transportation Department. "Driving Under the Influence (DUI) Statutes."
- J.D. Power. "2024 U.S. Auto Insurance Study."
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Lindsay VanSomeren
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Lindsay has been a contributor at Insurify since October 2022.
Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.