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Even though Wyoming has only 421,098 licensed drivers, as of 2016, you can bet that auto insurance companies put a lot of effort into marketing to each and every one of them. That data comes from the U.S. Department of Transportation Federal Highway Administration, and it’s the most recent year for which such statistics are available. Though these numbers are low compared to larger, more densely populated states, navigating the car insurance process can be a challenge no matter where you live.

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This guide will help consumers in Wyoming figure out how much car insurance to buy, as well as the factors that affect auto insurance prices in general and specifically within Wyoming. The average cost of car insurance varies widely from state to state, which is why we put together this guide. We’ll use data from a recent study to help explain the factors that influence car insurance pricing, including age and gender, the city or town in which the vehicle is registered, driving record, and credit score.

Cheapest Car Insurance Companies in Wyoming

The rates shown here are based on a study performed by Quadrant Information Services on behalf of U.S. News. The study examined rates from the nine largest car insurance companies in the United States, using certain driver profiles. Your rates will differ. See more about the rates in this study.

How We Found the Cheapest Car Insurance Companies

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings. 

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations of certain driver archetypes. 

To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 25, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here.

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How Much Does Car Insurance Cost in Wyoming?

See the Cheapest Car Insurance Companies

According to the Quadrant Information Services study, the average representative rate for car insurance across the state of Wyoming is $1,313.73, based on data from the state’s five largest auto insurance companies. The data provided by Quadrant Information Services can help you budget for car insurance as a Wyoming resident. Keep reading to see the differences in average rates among the state’s biggest car insurance companies based on demographics such as age, gender, annual commute, driving habits, and city or town of residence.

First, let’s look at the averages for the major companies across the state. Our study data shows that the major auto insurance company with the highest statewide average representative rate in Wyoming is Allstate, coming in at $1,698. Farmers comes in next, at $1,562, followed by Geico at $1,389, and State Farm at $1,137. Finally, USAA has the lowest average representative rates in Wyoming, according to study data, at $783. However, here we must mention that USAA membership is available exclusively to members of the military, veterans, and their families, so many consumers won’t qualify for such rates.

Wyoming Car Insurance Rates by Age

Now, we’ll look at average car insurance rates based on age and gender. To find the average rates in or study based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

In general, and as our study data shows based on our representative profiles, younger drivers are charged higher rates. This is because younger drivers have limited driving experience and therefore a higher frequency of accidents. According to the data in our study, the 25-year-old female driver profile in Wyoming has an average representative rats of $1,417 a year, and the 25-year-old male driver profile has an average representative rate of $1,1543. The highest representative rate for the male driver profile in this age group is from Allstate, at $2,004, and the lowest is from USAA, at $1,032. For the female driver profile, the highest representative average rate is from Allstate, $1,840, and the lowest is $917 from USAA.

Next, we’ll take a look at 35-year-old female and male profiles as the next demographic in the study for auto insurance rates in Wyoming. Typically, this group pays lower auto insurance rates than 25-year-old profiles, because they are more experienced drivers, and our study data for Wyoming is consistent with this. The female driver profile in this age group sees a representative average rate of $1,277 statewide, with a high representative average of $1,658 from Allstate and a low representative average of $724 from USAA. The average representative rate for the male driver profile in this age group is $1,313, with a high average representative rate of $1,745 from Allstate and a low representative average of $725 from USAA.

Our last group of driver profiles is for 60-year-old males and females. Across the country, and in Wyoming, these groups typically have the lowest representative auto insurance rates of the age groups in the study. Our female driver profile in this age group gets a representative average rate of $1,152. The study says that the highest representative average for this driver profile is from Farmers, at $1,453, and the lowest representative average is from USAA, at $637. For the male driver profile in this age group, study data shows the representative average is $1,181. The highest average representative rate for the male driver profile in this age group is from Allstate, at $1,530, and USAA shows the cheapest representative rate, at $665, according to the study.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$2,003.98

$1,840.49

$1,744.78

$1,658.03

$1,530.22

$1,408.84

Farmers

$1,655.17

$1,655.17

$1,577.51

$1,577.51

$1,453.32

$1,453.32

Geico

$1,627.86

$1,488.87

$1,380.19

$1,289.28

$1,273.28

$1,273.28

State Farm

$1,396.20

$1,181.59

$1,136.62

$1,136.62

$984.71

$984.71

USAA

$1,032.16

$916.68

$725.21

$723.63

$665.40

$637.35

Wyoming Car Insurance Rates by Annual Mileage

Auto insurance can vary based on annual mileage driven, so our study looked at two driver profiles, those with average travel of 6,000 miles annually and 12,000 miles annually. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with a medium level of insurance coverage and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

According to study data, the statewide average representative rate for the lower mileage group is $1,238. The high representative rate of $1,630 comes from Allstate and the low of $749 comes from USAA. With the higher mileage group, the study’s representative average is $1,314. Our study data shows that Allstate has the high representative average of $1,698, and USAA has the low representative average, at $783.

Company

6,000 miles annually

12,000 miles annually

Allstate

$1,630.03

$1,697.72

Farmers

$1,562.00

$1,562.00

Geico

$1,261.98

$1,388.79

State Farm

$984.71

$1,136.74

USAA

$749.17

$783.41

Wyoming Car Insurance Rates by Coverage Type

Quadrant Information Services also considered average car insurance rates for low, medium, and high coverage, using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of insurance coverage and assigned the profiles a clean driving record, a good credit score, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

In every case, with each of the insurance companies in the study, average representative rates are the lowest with low coverage, increase with medium coverage, and increase more for high coverage. However, the difference between tiers was bigger for some companies than for others.

According to our study, the average representative rate for low coverage in Wyoming is $1,284. Furthermore, study data shows Allstate has the highest representative rate for this group, at $1,672, and USAA has the lowest, at $764. For medium coverage, the average representative rate is $1,314, with a high representative rate of $1,698 from Allstate and a low representative rate of $783 from USAA. For high coverage, the average representative rate is $1,347. The highest average representative rate is from Allstate, at $1,732, and the lowest representative rate is from USAA, at $805.

Company

Low

Medium

High

Allstate

$1,671.96

$1,697.72

$1,732.35

Farmers

$1,523.31

$1,562.00

$1,609.99

Geico

$1,365.59

$1,388.79

$1,407.49

State Farm

$1,095.96

$1,136.74

$1,180.59

USAA

$764.56

$783.41

$805.25

Wyoming Car Insurance Rates by Credit Score

Our study reviewed the effects of credit scores on car insurance rates using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

Credit history is a factor in insurance costs because it lends insight into whether the potential customer is generally responsible (indicated by a high credit score) or generally irresponsible (indicated by a low credit score), which auto insurance companies believe is a factor in whether or not a customer is likely to be involved in a crash.

Drivers in Wyoming with good credit history pay an average representative rate of $1,314, according to our study data. The highest average representative rate for the driver profile with good credit history comes from Allstate, at $1,698, and the lowest representative rate comes from USAA, at $783. For fair credit, our driver profile has an average representative premium of $1,520. The high average representative rate of $1,949 comes from Allstate and the low representative rate of $1,103 comes from USAA. The driver profile with poor credit faces the highest statewide average representative rate of $2,085. The highest average representative rate for this driver profile comes from Allstate, at $2,528, and the lowest is from Geico, at $1,736.

Company

Low

Medium

High

Allstate

$1,671.96

$1,697.72

$1,732.35

Farmers

$1,523.31

$1,562.00

$1,609.99

Geico

$1,365.59

$1,388.79

$1,407.49

State Farm

$1,095.96

$1,136.74

$1,180.59

USAA

$764.56

$783.41

$805.25

Wyoming Car Insurance Rates by Driving Record

As anyone with a speeding ticket or other moving violation knows, your driving record has a considerable impact on insurance rates. For details, we compared driver profiles including those with a clean record, those with one speeding violation, those with one accident, and those with one instance of driving under the influence (DUI). These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of driving per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

First, let’s start with the driver profile with a clean record. The statewide average representative rate for this group is $1,314, the highest average representative rate is with Allstate, at $1,698, and the low average representative rate is USAA, at $783. 

Our driver profile with a single speeding violation has an average representative rate of $1,684. The highest average representative rate for this driver profile comes from Geico, at $2,746, and the lowest representative rate comes from USAA, at $885. 

Rates tend to increase from there with a crash on the record, though Geico’s average representative rate for this group is lower than the average representative rate for the group with the speeding violation. The driver profile with one accident sees a statewide average representative rate of $1,686, which is almost the same as the average rate for the speeding violation, though in general, most companies show higher rates for this group. Data shows a high average representative rate of $2,189 from Allstate, and a low average representative rate of $987 from USAA.

According to study data for our driver profiles with a single DUI, average representative rates increase to $2,285. The highest average representative rate is from Geico, at $3,545, and the lowest average representative rate is from State Farm, at $1,229.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$1,697.72

$1,903.45

$2,189.27

$2,046.78

Farmers

$1,562.00

$1,657.54

$1,848.63

$3,186.03

Geico

$1,388.79

$2,746.10

$2,080.75

$3,544.66

State Farm

$1,136.74

$1,229.20

$1,321.71

$1,229.20

USAA

$783.41

$884.56

$987.42

$1,420.70

Wyoming Auto Insurance Minimum Coverage Requirements

All vehicles registered in Wyoming must be covered by three types of insurance: bodily injury liability, property damage liability, and uninsured motorist coverage. Keep in mind that Wyoming has a tort system, which means if you are at fault in an accident, you can be sued for actual damages. Therefore, it may be worth considering the benefits of carrying insurance above the state minimums.

The Wyoming state minimum for bodily injury coverage is $25,000 per person and $50,000 per accident. This insurance covers injuries to other people resulting from an accident in which you are at fault.

The minimum for property damage liability coverage is $20,000. This covers damage to the property of others involved in an accident if you are at fault. 

Uninsured motorist coverage provides bodily injury coverage for you and any passengers in your car if an accident occurs and the driver at fault does not have insurance. This coverage also applies in the event of a hit-and-run accident. The state minimums for uninsured motorist coverage are $25,000 per person and $50,000 per accident. However, this coverage can be rejected in writing.

The state of Wyoming does not require comprehensive or collision coverage, but consumers may want to consider adding this coverage for additional protection. Collision coverage pays for damage to your vehicle caused by an accident, regardless of who is at fault, and comprehensive coverage pays for damage to your vehicle from all other incidents, such as a flood or other weather event, fire, theft, or vandalism. Though state law does not require this coverage, there may be circumstances in which you are still required to carry it. Typically, if you lease your car or have an outstanding loan, the bank or lender will require you to carry this coverage to ensure you can pay off the debt if something happens to the car.

Learn more about minimum insurance requirements in our guide on how much car insurance you need.

Cheapest Car Insurance in Wyoming

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Single Young Adult Drivers

State Farm

Married Adult Drivers

State Farm

Senior Drivers

State Farm

Drivers with Good Credit

State Farm

Drivers with Poor Credit

Geico

Drivers with a Clean Record

State Farm

Drivers with One Speeding Violation

State Farm

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers

State Farm

High-mileage Drivers

State Farm

Drivers with Low Coverage

State Farm

Drivers with High Coverage

State Farm

Drivers with Used Cars

State Farm

Drivers with New Cars

State Farm

To find which car insurance company offers the lowest rates in Wyoming, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and up to 12,000 miles driven per year. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The best way to save money on car insurance, as supported by our study data, is to establish good credit and maintain a clean driving record. In Wyoming, USAA has the lowest average representative rates, but it is only available to military families and therefore not an option for everyone. Study data shows that State Farm is the best bet for Wyoming residents who don’t meet requirements for USAA membership.

Why Car Insurance Rates Vary in Wyoming

The highest risk drivers pay the highest car insurance rates, regardless of state. Our study data and driver profiles clearly demonstrated that inexperienced drivers, those in high risk areas, and those who have a history of poor driving or financial irresponsibility (or a combination of any of these factors) will pay the highest premiums. Older drivers with good credit history and good driving records are generally offered lower rates because they are less likely to be involved in an accident or to have their car damaged.

We checked our study's driver profiles in some of Wyoming's largest cities and towns to find out how different areas of the state can affect insurance rates. Our profiles are based on 25-, 35-, and 60-year-old males and females with a clean driving record, up to 12,000 miles driven per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

Bill Oxford / Getty Images

When calculating rates, insurance companies evaluate the frequency of claims in a ZIP code, as well as the cost of medical and repair services. An area’s population and traffic are also considered. That’s why shoppers can expect higher rates in ZIP codes with dense traffic and lower rates in more rural areas. In more crowded areas, the more likely you are to make a claim on your auto insurance, which means higher costs for your insurance company, and therefore higher rates passed on to consumers.

In Wyoming, your actual location within the state matters less than it does in many other states. If you recall, the statewide average representative rate is $1,314, and according to study data, the average representative rates for Wyoming’s top cities fall within a range of about $50 higher or lower than the state average. The lowest study rate is $1,273, in Sheridan, and the highest is $1,353, in Gillette. Many of our insurance guides for other states show differences of a thousand dollars or more between the cheapest and most expensive areas in the state.

City

Average Rate

Cheyenne

$1,280.69

Casper

$1,310.18

Laramie

$1,310.52

Gillette

$1,352.77

Sheridan

$1,272.86

Evanston

$1,291.13

Green River

$1,327.83

Cody

$1,304.63

Rawlins

$1,276.63

Powell

$1,304.63

How to Get the Cheapest Car Insurance in Wyoming

To find the cheapest car insurance in Wyoming, you have an advantage if you have already established a clean driving record and a strong credit history. It’ll take time to improve your track record in both those areas, but there are still other ways to help lower car insurance costs in the meantime.

A great way to save money on your next car insurance policy is to familiarize yourself with common discounts. Most, but not all, major auto insurance companies offer many of the same discounts, even though each company has its own criteria for qualifying. For example, you should always check for multi-policy or bundling discounts, which entitle you to a discount for having multiple policies with the same company, including multiple cars or other vehicles, homeowners insurance, or renters insurance.

Student discounts or good student discounts are helpful for families with high school or college students. You may also be entitled to employer or affinity discounts, if you work for a company or are a member of a group that has negotiated a group rate with an insurance company. Some major car insurance companies also offer discounts for certain professions, particularly teachers, active members of the military, and veterans.

Other common discounts include low-mileage discounts, discounts for vehicles with certain anti-theft and safety features, driver training discounts, discounts for remaining accident- or claim-free, and discounts for enrolling in paperless or online billing, or automatic payment plans. Some auto insurance companies now offer tracking programs, which use a device or smartphone app to record and report your driving habits. Good driving habits may result in a discount, but unsafe driving may actually raise your rates.

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Laws Around Auto Insurance in Wyoming

If you plan to register and insure a vehicle in Wyoming, you should be familiar with the following laws related to driving and car insurance. Keep in mind, as well, that getting a moving violation in Wyoming may affect your car insurance rates even if you live in a different state.

There are two main types of auto liability insurance laws: fault-based and no-fault. Wyoming is a fault state, also known as a tort state. That means a driver who is determined to be at fault in a crash can be sued by others who were involved in the accident for personal injury and property damage compensation. Wyoming also follows a modified comparative negligence rule, which means that if multiple parties are determined to be at fault for an accident, those who are less at fault can pursue an insurance claim or a lawsuit against those who are more at fault.

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Wyoming Driving Laws and Punishments

If you are shopping for car insurance in Wyoming, it’s a great time to brush up on the rules of the road, particularly those that relate specifically to auto insurance. This will help you avoid violations that may cause your auto insurance premiums to get more expensive.

It is illegal for all drivers in Wyoming, regardless of age and driver’s license status, to text while driving. The exceptions are for drivers who are parked, drivers contacting emergency services, and drivers using hands-free technology. This carries a fine of up to $75. As for actually talking on a cell phone, drivers with a regular driver’s license are permitted to do so, but drivers on a learner’s permit may not talk on a cell phone even if using hands-free technology.

As is common across the country, Wyoming’s penalties for DUI (driving under the influence) increase in severity for repeat offenses. The first offense carries penalties up to six months in jail, fines up to $750, a license suspension of 90 days, an ignition interlock device for a BAC (blood alcohol content) of .15 or more, and a substance abuse assessment.

The second offense within 10 years carries a sentence of at least seven days in jail and up to six months in prison, fines between $250 and $750, a license suspension of one year, an ignition interlock device, and participation in a substance abuse program and analysis.

The third offense within 10 years carries a sentence between one and six months of imprisonment, fines between $750 and $3,000, a license suspension of a minimum of three years, an ignition interlock device, and attendance in a substance abuse program. 

Fourth and subsequent offenses within 10 years carry up to two years in prison, fines up to $10,000, a license suspension to be determined by the judge, a lifetime ignition interlock device requirement, and a substance abuse program.

Wyoming Car Insurance FAQs

Is car insurance required in Wyoming?

Yes, Wyoming state law requires that all motor vehicles registered and operated in the state carry enough insurance to meet the state’s minimum requirements.

Which cars are required to be insured in Wyoming?

All vehicles registered in Wyoming must be insured.

When should I get car insurance in Wyoming?

You must show proof of insurance to register your vehicle in Wyoming.

What happens if my car is not properly insured in Wyoming?

It is a misdemeanor to drive an uninsured vehicle in Wyoming or to permit your uninsured vehicle to be driven by someone else. This can carry penalties of up to six months of imprisonment, a fine between $500 and $1,500, or both, for the first offense. On second and subsequent offenses, the vehicle’s registration and license plates must be surrendered until the owner can show compliance with the law. Furthermore, anyone who causes an accident and does not have insurance, can be sued to cover the losses suffered by other parties in the accident.

Is Wyoming a no-fault state?

No, Wyoming is a fault state for auto insurance. That means that a driver who is at fault in an accident can be sued by other parties involved in an accident.

Do I need uninsured motorist coverage in Wyoming?

Yes, Wyoming requires uninsured motorist coverage, although you have the option to waive this coverage in writing.

Is liability insurance required in Wyoming?

Yes, Wyoming requires liability insurance. The state minimum for bodily injury coverage is $25,000 per person and $50,000 per accident. The minimum for property damage liability coverage is $20,000.

Does Wyoming accept digital insurance cards?

Yes, Wyoming accepts digital insurance cards, which means that drivers can use their insurance company’s smartphone app to show proof of insurance when required.