Wyoming Auto Insurance (2024)

Wyoming requires drivers to carry at least a minimum amount of liability auto insurance coverage, but limits are very low and may not meet your needs. While minimum Wyoming auto insurance coverage is cheaper, drivers in WY can get full coverage for around $75 a month.

Liberty Mutual offers the cheapest Wyoming auto insurance rates based on coverage level, but rates vary by driver. Factors like age, driving record, vehicle, and ZIP code determine WY car insurance rates.

Drivers in Wyoming with DUIs or who drive uninsured face fines, driver’s license suspensions, and jail time that escalate with each offense. Read more about the best auto insurance companies for drivers with a DUI.

However, drivers can keep their Wyoming insurance rates low by maintaining coverage. Add discounts, lower coverage amounts, and raise auto insurance deductibles to get lower WV auto insurance rates. In addition, comparison shopping helps Wyoming drivers find the cheapest auto insurance rates possible.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

The Cheapest Wyoming Auto Insurance Companies

Like most states, Wyoming requires drivers to carry a minimum amount of liability insurance to drive legally in the state. However, liability coverage pays for property damages and bodily injuries to others — it doesn’t provide coverage for you or your vehicle.

Since Wyoming’s minimum coverage requirements are low, drivers can get coverage for around $27 a month. However, that rate varies based on numerous factors, such as driving record and age.

This table shows the average monthly rates for coverage that meets the minimum requirements for auto insurance in Wyoming.

Liability Auto Insurance Average Rates From Top Providers

Liberty Mutual offers the cheapest minimum coverage rates, and Allstate has the most expensive. Check out our Liberty Mutual auto insurance review to learn more about whether the company is the right choice for you.

Remember that minimum coverage doesn’t pay for your vehicle damages. So, you may have to pay expensive out-of-pocket expenses after an accident.

Wyoming Full Coverage Auto Insurance Costs by Company

While Wyoming only requires a minimum amount of car insurance, you may need more protection. Full coverage auto insurance combines minimum coverage with collision and comprehensive coverage.

Collision auto insurance coverage pays for your vehicle damages resulting from an accident. On the other hand, comprehensive auto insurance coverage pays for damages unrelated to an accident, such as fire, theft, vandalism, and acts of nature.

For example, collision coverage pays for repairs if you hit a tree. However, comprehensive coverage kicks in if a tree limb falls on your car. You need both coverages to cover your vehicle’s damage.

On average, full coverage costs Wyoming drivers around $130 a month, but rates vary by driver. This table shows the average monthly full coverage car insurance rates from top companies in Wyoming. 

Full Coverage Auto Insurance Average Rates and Availability from Top Providers

Liberty Mutual has the lowest average full coverage rates in Wyoming. On the other hand, Progressive offers the most expensive coverage. On average, full coverage costs about $50 a month more than minimum coverage in Wyoming.

While full coverage is more expensive, it offers protection for your vehicle. Otherwise, you’ll have to pay for repairs to your car out of pocket.

Buying Wyoming Auto Insurance With an Accident

There are various factors that affect auto insurance rates in Wyoming, including your driving record. Car insurance companies use your driving record to determine if you’re likely to cost them money by filing claims. So, drivers with at-fault accidents see higher rates.

This table shows average monthly rates for Wyoming drivers with an at-fault accident on their driving record.

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

State Farm has the cheapest average car insurance after an accident in Wyoming and only raises rates by about $13 a month. However, on average, a WY driver with an accident on their driving record pays an extra $43 a month. Check out our State Farm auto insurance review if you think the company might be your best option.

An accident stays on your driving record and affects rates for up to three years in Wyoming. So, even if you have an accident on your record, your car insurance rates decrease after a few years. Avoid additional accidents to have your rates return to normal quickly.

Drivers with multiple at-fault accidents see car insurance rates skyrocket and may be required to carry auto insurance for high-risk drivers.

Buying Wyoming Auto Insurance With Bad Credit

Your credit score affects car insurance rates in most states, including Wyoming. Auto insurance companies consider credit scores because they believe drivers with a higher credit score are more likely to pay for damages themselves and avoid filing a claim.

This table shows average Wyoming car insurance rates for drivers with bad credit.

Full Coverage Auto Insurance Monthly Rates by Credit Score

The best companies in Wyoming for drivers with bad credit scores include Liberty Mutual, State Farm, and Geico. Progressive is the most expensive car insurance company for drivers in Wyoming with bad credit.

Fortunately, Wyoming drivers can improve their credit scores to get lower car insurance rates.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Comparing Wyoming Auto Insurance by Age

Young drivers pay higher car insurance rates since they lack experience and are more likely to be in an accident. However, rates begin to decrease as drivers age and gain experience.

This table shows the average car insurance rates in Wyoming for different age groups.

Auto Insurance Monthly Rates by Age, Gender, and Coverage Type

Your rates will be higher if you need auto insurance for teens and young drivers. For example, 16-year-old drivers pay more than three times as much as 30-year-old drivers.

In addition, male drivers statistically take more risks and are more likely to be involved in accidents. As a result, male drivers pay higher rates than females, especially when they’re young.

Comparing Wyoming Auto Insurance by City

Not only does your state affect car insurance rates, but your location in the state also impacts rates. For example, while Wyoming’s rates are below average, your city may increase those rates significantly.

Areas with high motor vehicle theft rates, traffic congestion, and a large population see higher rates since your car is more likely to be in an accident or stolen. Rural or less populated areas tend to have lower car insurance rates.

Wyoming DUI Laws

A DUI is a very serious offense, and Wyoming has severe penalties for driving under the influence. You can be convicted of a DUI if your blood alcohol content (BAC) is 0.08% or higher.

If you refuse to take a BAC test, the officer can get a warrant for the test, and your driver’s license gets suspended.

After your first DUI in Wyoming, your license remains suspended for 90 days. Your license gets suspended for a year if your second DUI is within 10 years. You’ll lose your license for three years if you have a third DUI conviction within 10 years.

In addition, your first DUI conviction comes with up to six months in jail and a $750 fine. If you receive a second DUI within 10 years, jail time is mandatory. It’s a felony to have four DUIs in 10 years, and you’ll receive up to seven years in jail and up to a $10,000 fine.

Wyoming also installs an ignition locking device if your BAC is 0.15% or higher for at least six months. As with jail time and fines, penalties increase with more DUIs. After your fourth DUI, the state may require you to have an ignition locking device for life.

Drivers who cause great bodily injuries or get convicted of a DUI with a passenger who is 16 years old or young receive much stiffer penalties, including up to $5,000 in fines and 10 years in jail.

Wyoming Auto Insurance Rates After a DUI

You’re much more likely to get in an accident if you drive under the influence. So, auto insurance for drivers with a DUI on their driving record comes with much higher rates.

In addition, a DUI affects rates for five years but stays on your driving record for 10 years. So, if an employer pulls your driving record, your DUI shows up, even if your car insurance rates decreased.

This table shows how much a DUI raises Wyoming car insurance rates.

Full Coverage Auto Insurance Monthly Rates by Driving Record

State Farm raises rates the least and has the cheapest car insurance after a DUI. Geico offers the most expensive insurance after a DUI in Wyoming and is more than three times the cost of State Farm.

One DUI in Wyoming costs you huge fines, increased car insurance rates, driver’s license suspension, and possible jail time. So save yourself money and headaches by not driving under the influence.

Since DUIs raise rates more than any other infraction, finding cheap Wyoming auto insurance quotes can be challenging after a conviction. Shop around to find the most affordable Wyoming insurance after a DUI.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Wyoming Auto Insurance Laws

Most states require at least a minimum amount of car insurance for residents to drive legally. However, each state makes its own rules and regulations about required car insurance coverage.

Wyoming residents must follow all car insurance laws to maintain their driver’s licenses and avoid fines and other penalties.

Wyoming Auto Insurance Coverage Requirements

Now, let’s examine the coverage amount Wyoming drivers must carry. The minimum Wyoming auto insurance requirements are:

• $25,000 in bodily injury liability coverage per person
• $50,000 in bodily injury liability coverage per accident
• $20,000 in property damage liability coverage per accident

While car insurance companies must offer uninsured motorist coverage, drivers may decline coverage.

As you can see, these limits are extremely low, especially considering the cost of vehicles and medical care today.

For example, say you’re speeding, run a stop sign, and hit another car. The other car sustains significant damage, and the driver has to go to the hospital. Repairing the vehicle and a hospital stay can max out your requirements quickly, leaving you responsible for leftover costs.

Consider increasing your limits to cover damages and injuries from a serious accident. Although you can legally drive with minimum coverage, you’re stuck with out-of-pocket expenses.

You may be required to show proof of insurance in certain circumstances. While electronic proof of insurance isn’t accepted, you can show your insurance ID card.

Driving without insurance can land you in trouble in Wyoming. While the national average is around 13% of drivers not having insurance, Wyoming only has a 6% rate of uninsured drivers.

That’s good news since uninsured drivers in Wyoming face up to a $1,500 fine and up to six months in jail. In addition, if you drive without insurance more than once, you must turn in your vehicle registration and plates until you obtain the proper coverage.

Uninsured motorists also face out-of-pocket costs if they cause an accident and higher insurance rates when they get coverage again.

Optional Auto Insurance Coverage in Wyoming

Wyoming’s mandated coverage only includes liability coverage, which pays for damages and injuries to others. It doesn’t include any protection for your vehicle.

To be better protected, consider additional coverages for your car insurance policy:

• Collision: Collision auto insurance covers damages to your vehicle sustained in an accident. For example, collision coverage pays for your car repairs if you hit another car. However, your liability coverage pays for damages and injuries to the other driver.
• Comprehensive: Comprehensive auto insurance pays for damages to your vehicle unrelated to an accident, such as fire, theft, vandalism, and acts of nature. So, comprehensive coverage pays if a tree limb falls on your car.
• Roadside assistance: While coverage varies by insurer, roadside assistance typically includes towing, jump-starts, tire changes, fuel delivery, and locksmith services. However, you’ll have to pay for supplies like a new tire, battery, or fuel.
• Rental car reimbursement: Rental car reimbursement pays if you need a rental car while your vehicle gets repaired from a covered claim. However, there are limits to the cost and rental length, and a rental car for vacation isn’t covered.
• Gap coverage: Gap, or guaranteed asset protection, pays the difference between what your car is worth and what you owe if it gets totaled. Most lenders require gap auto insurance coverage if you have a loan or lease.
• Personal injury protection: Personal injury protection auto insurance pays for medical-related costs from an accident, such as doctor visits, medication, lost wages, and child care.

Most drivers opt for full coverage, including liability, collision, and comprehensive coverage. Remember that more coverage equals higher rates. However, full coverage keeps out-of-pocket costs to a minimum.

Buying Wyoming SR-22 Auto Insurance

High-risk drivers in Wyoming may be required to get SR-22 auto insurance coverage. While an SR-22 isn’t insurance, it’s a form your insurer sends to the state showing you have at least the minimum amount of coverage required.

While the SR-22 form is typically inexpensive, the car insurance rates that go along with it aren’t. Since drivers who must get an SR-22 usually don’t have insurance or have multiple accidents, tickets, DUIs, or other reckless driving infractions on their driving record, they’re more likely to cost an insurer money.

Typically, Wyoming drivers must keep SR-22 insurance for three years. However, failing to keep SR-22 coverage leads to increased penalties.

If you’re looking for cheap SR-22 insurance in Wyoming, shop around. Unfortunately, not all insurance companies offer coverage. You should also expect significantly higher rates when you find coverage.

Consider the Wyoming Automobile Insurance Plan if you can’t find insurance coverage. This plan gives drivers a list of insurance companies offering high-risk coverage. However, these insurers tend to be the most expensive.

How to Get SR-22 Auto Insurance in WY

If you currently have car insurance, your insurer may add SR-22 to your existing policy. However, your rates won’t stay the same — expect much higher rates even though your coverage remains the same. If your insurer doesn’t extend SR-22 coverage, shop around for one that will.

If you don’t have insurance, start looking for an insurer to meet your needs. Compare multiple companies to find the best rates. Remember that finding an insurer willing to offer SR-22 coverage with low rates may be difficult.

If you need SR-22 insurance and don’t have a vehicle, consider non-owner auto insurance. Many car insurance companies offer non-owner coverage, and it’s generally cheaper than regular coverage. However, non-owner insurance provides liability protection only.

Getting Cheap Auto Insurance in Wyoming

While average Wyoming car insurance rates are below average, your location and personal factors like driving record may increase rates.

Even if your rates are low, saving money on car insurance allows you to use your money elsewhere. Scroll down to learn tips for the most affordable Wyoming car insurance rates.

Wyoming Auto Insurance Discounts

Auto insurance discounts can significantly lower rates in Wyoming. Most insurers offer discounts to drivers with favorable characteristics based on the driver, policy, and vehicle.

Standard driver discounts include:

• Safe driver
• Good student
• Occupation
• Defensive driving course
• Distant student
• Student, alum, or organization
• Married

Remember that each insurer makes its own rules for discounts. For example, the qualifications for a good student or distant student discount may vary by the insurance company.

Your car insurance policy also earns discounts. In fact, you may get discounts based on how you get policy notifications. Policy discounts include:

• Paid in full
• Early signing
• Multi-car
• Multi-policy
• Paperless
• Auto billing
• Loyalty

While your vehicle impacts your car insurance rates, the features it comes with can also save you money. Vehicle discounts include:

• Air bags
• Anti-lock brakes
• Anti-theft device
• Daytime running lights
• Forward collision warning
• Green vehicle
• Electronic stability control

Discount amounts and availability vary by insurer. While some discounts may be as little as 2%, others can be 30%.

In addition, many car insurance companies offer a discount for participating in their telematics program. The insurer monitors your driving behaviors and provides a discount based on your safe driving. Discount amounts and behaviors monitored vary by insurer.

Changing Wyoming Auto Insurance Coverage and Policy

You can also save money on car insurance by looking closely at your coverages and policy.

While experts recommend full coverage, it may only be necessary for some drivers. For example, if you drive a vehicle that isn’t worth much money, you may be able to repair or replace it yourself without collision and comprehensive coverage.

Low-mileage drivers may also consider usage-based auto insurance. Typically, rates are lower since the amount you drive impacts your cost. Coverage is the same as a traditional policy, but drivers pay a monthly rate plus a small amount per mile.

Whether you choose a traditional or usage-based policy, ensure your car insurance doesn’t lapse. Car insurance rates increase significantly after a lapse in coverage. So renew your policy on time, or have a new policy in place before your old policy ends to avoid higher rates.

In addition, some coverage add-ons may be unnecessary. For example, if you have multiple vehicles, you may not need rental car reimbursement if you can drive another vehicle while yours is in the shop for repairs.

You may also not need roadside assistance if you can make minor repairs yourself or don’t travel often. However, Wyoming has many rural and dangerous driving areas, so think carefully before canceling roadside assistance.

Increasing your deductible also reduces Wyoming car insurance rates. The deductible is the amount you must pay out of pocket before your car insurance kicks in. So while a higher deductible means you pay more for repairs, it keeps your rates low.

Drivers can also lower car insurance rates by improving the factors affecting rates. For example, maintain a clean driving record, improve your credit score, and buy a cheaper car to get the lowest rates.

Auto Insurance Comparison Shopping in Wyoming

Shopping around is the best way to get the most affordable car insurance. Compare multiple companies to see which has the best rates for you.

Each car insurance company creates its own formula to calculate rates, and no two are the same. For example, one company may think that age is more important than credit when determining rates. On the other hand, another company may prioritize driving records.

For example, say you got your first speeding ticket ever. One insurer may overlook it since your driving record is otherwise spotless. However, another company may raise your rates.

It’s essential to compare rates since each company is different. So don’t assume you’re getting the lowest rates out there.

While it may be tempting to only compare rates from companies you’ve heard of, don’t forget to look at the smaller insurers in Wyoming. They may be able to offer better rates or more discounts than national companies.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Final Thoughts About Wyoming Auto Insurance

Like most states, Wyoming requires drivers to carry a minimum amount of car insurance. However, only 25/50/20 in liability coverage is required.

If you drive🚗, you must carry liability coverage. Your state requires it. Lucky for you, it's the cheapest option🤑, but you can save even more by following the tips https://t.co/27f1xf131D has for you. Check it out here👉: https://t.co/WkPBfwJgdw pic.twitter.com/Qqt4bjcHlH

— AutoInsurance.org (@AutoInsurance) September 28, 2023

Liberty Mutual provides the lowest average car insurance rates in Wyoming based on coverage amounts. Remember, rates vary by driver and factors like age, driving record, and ZIP code.

Wyoming drivers with accidents, tickets, and DUIs pay much higher car insurance rates than drivers with clean records. In addition, young males pay higher rates than older or female drivers. Read more about auto insurance for men vs. women.

While Wyoming’s average car insurance rates are below the national average, drivers can lower their rates by adding discounts, reducing coverage amounts, and shopping around.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption