Car insurance in Wyoming

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.

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Our top pick: Progressive

Choose from a long list of discounts and coverage for almost any driver.

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• Top auto insurance companies in Wyoming
• List of insurance companies in Wyoming

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Name	Product	Roadside assistance	New car protection	Accident forgiveness	Safe driver discount	Available states
Progressive		Optional			30%	All 50 states	Choose from a long list of discounts and coverage for almost any driver.	Get quotes More Info	Compare	loading Fetching your data...
Liberty Mutual		Optional			30%	All 50 states	Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.	Get quotes More Info	Compare	loading Fetching your data...
Allstate					13%	All 50 states	Enjoy having your own dedicated agent to help you get the best discounts and coverage.	Get quotes More Info	Compare	loading Fetching your data...
Geico		Optional			26%	All 50 states	Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.	Get quotes More Info	Compare	loading Fetching your data...
The Hartford		Optional			Yes	All states except AK, HI, LA, MI, RI	Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.	Get quotes More Info	Compare	loading Fetching your data...
Gabi		Optional	Optional		55%	All 50 states	Upload your current bill and get 20+ quotes from top brands for the same level of coverage.	Get quotes More Info	Compare	loading Fetching your data...
Farmers					15%	All 50 states	Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.	Get quotes More Info	Compare	loading Fetching your data...

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Most popular Wyoming auto insurance companies list

Company	Direct premiums written (billions)	Market share
State Farm	$94,449	22.9%
Progressive	$59,070	14.3%
Farmers	$47,826	11.6%
Mountain West Farm Bureauy	$42,127	10.2%
Geico	$36,174	8.8%
USAA	$28,554	6.9%
Liberty Mutual	$27,955	6.8%
Allstate	$20,016	4.8%
Nationwide	$11,036	2.7%
American National	$7,102	1.7%

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.

• Cheyenne
• Rock Springs
• Sheridan
• Casper
• Gillette

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

• 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.