Car Insurance in Wyoming

Average car insurance cost in Wyoming

The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $390 for liability, $338 for collision and $452 for comprehensive ($1,180 combined, versus $1,439 nationally). That average expenditure is 12% higher than the NAIC's previous data year ($848). Comprehensive coverage costs notably more than the U.S. average here, which usually reflects weather (hail, wind, flooding) and theft losses.

Minimum car insurance requirements in Wyoming

Wyoming's minimum is written as 25/50/20: $25,000 per person / $50,000 per accident in bodily injury liability and $20,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $470 a year here, $145 more than the minimum.

Drivers in a crash causing over $1,000 in damage or any injury must be able to show proof of current liability insurance.

Is Wyoming a no-fault state?

No — Wyoming is an at-fault (tort) state. Wyoming is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.

No-fault vs. at-fault explained

Uninsured drivers in Wyoming

The Insurance Research Council estimates 6.7% of Wyoming drivers are uninsured — 48th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 15 on the road. Uninsured motorist (UM) coverage isn't mandatory here (Policies must include uninsured motorist coverage at the minimum limits unless the named insured rejects it), but it is still inexpensive protection against hit-and-run and uninsured drivers.

SR-22 requirements in Wyoming

Wyoming uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 3 years. WYDOT requires an SR-22 after certain suspensions, such as an uninsured-accident suspension; proof must generally be kept for three years.

By our model, a driver in their 30s with a DUI would pay about $625 a year for minimum coverage in Wyoming, versus $325 with a clean record. What is SR-22 insurance?

Car insurance by city in Wyoming

We cover 8 Wyoming cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Sheridan ($1,390) and the highest in Cheyenne ($1,490).

Estimated cost by driver profile in Wyoming

Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.8× what a driver in their 30s pays for the same full coverage in Wyoming.

By coverage level

Cheapest and most expensive cars to insure in Wyoming

Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $3,440 a year here.

Cheap car insurance in Wyoming: how to lower your rate

• Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $110 a year on a typical Wyoming full-coverage policy.
• Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $905 to $470.
• Drive less, pay less. Low-mileage and usage-based programs can save around $85 a year if you drive under 7,500 miles.
• Protect your record. A single speeding ticket adds roughly $280 a year in our model; an at-fault accident adds much more.
• Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
• Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.

Complaints and help: Wyoming Insurance Department

The Wyoming Insurance Department licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.

Website

doi.wyo.gov

File a complaint

Consumer complaint page

Consumer helpline

1-800-438-5768

Homeowners insurance in Wyoming →

Wyoming vs. neighboring states