Car insurance in Wyoming

How to get cheap car insurance in Wyoming

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Wyoming street at night

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How much is car insurance in Wyoming?

You know how necessary car insurance is when it comes to protecting yourself, your vehicle and others on the road. But each state has its own legal minimums for car insurance coverage, and every driver must meet the standards of the state they live in. Compare average costs and state laws and regulations in Wyoming to get the best car insurance for you.

Wyoming

Car insurance quick facts

25/50/20

Minimum liability requirements

$1,500

Average annual car insurance cost

1 year

Days to update your license

At-fault state

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

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare Wyoming car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

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%

Average car insurance costs in Wyoming

Despite having fewer drivers on the road and smaller cities than other states, Wyoming is a surprisingly expensive state for car insurance. Prices for full coverage ran an average of $1,500 annually within the state in 2015, surpassing the $1,300 national average.

To put these two numbers into perspective, Maine drivers were known to pay an average of $900 a year for their full coverage policies — and Michigan drivers were paying upwards of $2,300 a year.

While Wyoming’s car insurance costs can be a bit steep, there’s good news: You can optimize your coverage and take advantage of discounts to get the cheapest rate possible.

Cheapest car insurance in Wyoming

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

State minimum requirements in Wyoming

To legally drive in Wyoming, you’ll need liability insurance that includes at least:

  • $25,000 for bodily injury or death per accident
  • $50,000 for total bodily injury or death for multiple people in an accident
  • $20,000 for property damage

When you’re shopping for car insurance, you might see these minimums expressed as 25/50/20.

You’ll also be required to carry uninsured or underinsured motorist coverage with limits equal to your liability coverage.

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.

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Frequently asked questions about car insurance in Wyoming

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