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Compare car insurance in Wyoming

Get the cheapest car insurance in Wyoming for 2021

The average annual cost of car insurance in Wyoming is $971.07. Narrow down car insurers offering coverage in Wyoming by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
USAA
Optional
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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Wyoming drivers pay an average of $971.07 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $80.92 per month. Wyoming drivers pay about 18% less than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

Wyoming car insurance quick facts

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Minimum liability requirements

25/50/20

Average annual car insurance cost according to the NAIC

$971.07

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Wyoming state minimum car insurance requirements

Drivers in Wyoming are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 25/50/20, but we’ll break down what that means.

    Bodily Injury Liability

    Wyoming bodily injury liability

    • $25,000 bodily injury liability per person
    • $50,000 bodily injury per accident

    Wyoming requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident to legally drive. That’s right in line with what most states across the US require for this coverage.

    This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    Wyoming property damage liability

    • $20,000 property damage liability

    Wyoming requires drivers to carry $20,000 of property damage liability to legally drive. Only four other states require this limit, with most states requiring either $10,000 or $25,000 of property damage liability.

    This means $20,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Finder tip: Wyoming state minimum coverage usually isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in Wyoming, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    Most popular Wyoming auto insurance companies list

    CompanyDirect premiums written (billions)Market share
    State Farm$94,44922.9%
    Progressive$59,07014.3%
    Farmers$47,82611.6%
    Mountain West Farm Bureauy$42,12710.2%
    Geico$36,1748.8%
    USAA$28,5546.9%
    Liberty Mutual$27,9556.8%
    Allstate$20,0164.8%
    Nationwide$11,0362.7%
    American National$7,1021.7%

    Which city has the cheapest car insurance in Wyoming?

    Of Wyoming’s largest cities, Sheridan has the cheapest rates and Rock Springs has the most expensive car insurance rates. Rock Springs drivers could face rates 6 times more than Sheridan drivers.

    Car insurance quotes in Cheyenne

    CompanyAnnual car insurance rate
    Allstate$1713
    21st Century$1325
    Geico$2532
    Statefarm$501
    USAA$1768

    Car insurance quotes in Rock Springs

    CompanyAnnual car insurance rate
    Allstate$1707
    21st Century$1391
    Geico$2603
    Statefarm$503
    USAA$2148

    Car insurance quotes in Sheridan

    CompanyAnnual car insurance rate
    Allstate$1541
    21st Century$1252
    Geico$2540
    Statefarm$471
    USAA$2233

    Car insurance quotes in Casper

    CompanyAnnual car insurance rate
    Allstate$1691
    21st Century$1380
    Geico$2537
    Statefarm$500
    USAA$2090

    Car insurance quotes in Gillette

    CompanyAnnual car insurance rate
    Allstate$1695
    21st Century$1391
    Geico$2603
    Statefarm$503
    USAA$2165

    Can I get SR-22 insurance in Wyoming?

    Yes, you can get SR-22 insurance in Wyoming. SR-22 certifies that you have proper coverage to get behind the wheel. If you’ve gotten a DUI or if you’ve been caught driving without insurance, you might need to file an SR-22 with the state of Wyoming.

    Car insurance for high-risk drivers in Wyoming

    If you can’t get affordable coverage or if you’ve been denied coverage because you’re deemed a high-risk driver, you can find insurance through the Western Association of Automobile Insurance Plans (WAAIP).

    WAAIP assigns you an affordable provider. Any risk posed to the insurance provider is spread across the network of WAAIP’s participating companies.

    Bottom line

    Wyoming law requires all motorists to prove financial responsibility, and the easiest way for most drivers to do that is with car insurance. The right car insurance policy will help protect you, your vehicle and others who share the road with you — and if you take the time to comparison shop, you can get a great value for the money you spend on coverage.

    To learn about different types of coverage available, tips for saving money on premiums and more, visit our comprehensive guide to auto insurance.

    Frequently asked questions about car insurance in Wyoming

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