Compare car insurance in Wyoming

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 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.

Most popular Wyoming auto insurance companies list

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.

• Cheyenne
• Rock Springs
• Sheridan
• Casper
• Gillette

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

• Will my insurance go up if I'm in an accident?

  Not necessarily, but your insurance rates could go up if you file a claim. That’s unless you have an accident forgiveness program or a rate-lock deal, depending on your provider and your level of coverage.

• If I trade in my old car for something new, how will that affect my insurance rates?

  Your rates are likely to increase, in this case. This is because the more valuable a vehicle is, the more you’ll usually pay to insure it; new cars are almost always worth more than older models. And crashing a brand new Volvo S60 is a much larger loss, financially speaking, than if you crashed one that was 15 years old.

  If you’re financing your new vehicle, your lender may also stipulate that you keep a higher level of coverage than you had on your older car; that would likely translate into higher monthly insurance costs.

• Will my liability insurance cover my damaged windshield?

  Liability coverage doesn’t help with things like windshield repairs — you would need comprehensive coverage. If it’s a small repair, like a chip that needs to be sealed, your glass repair deductible may be waived. But if your insurance provider isn’t willing to waive the deductible, you’ll have to pay that amount first before insurance begins to cover costs.