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Car Insurance in Wyoming

Compare May 2024 Wyoming car insurance quotes and get your own personalized recommendations

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Wyoming Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Wyoming however, drivers are paying 29% less for car insurance than the national average, with Full Coverage costing Wyoming drivers an average of $135 per month

Similar to other states, the rates in Wyoming can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Wyoming. Read on to learn more about properly insuring your car in Wyoming. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Wyoming Car Insurance Laws

Wyoming laws require all motor vehicle operators to carry a minimum liability insurance policy. The insurance policy provides monetary reimbursement for medical expenses and property damage to any individuals injured in an accident that was the policyholder’s fault. 

Wyoming’s car insurance minimums are:

  • $25,000 for the death or injury of one person
  • $50,000 for the death or injury of two or more people
  • $20,000 for property damage

Wyoming’s insurance minimums are on par with national averages. 

If you lease a car or purchase one using a loan, the terms may require that you buy collision and comprehensive insurance to cover accident damages.

Proof of Insurance

“ driving without insurance in Wyoming, you may lose your license indefinitely until you provide proof of liability coverage. ” 

If you’re caught driving without insurance in Wyoming, you may lose your license indefinitely until you provide appropriate proof of liability coverage via an SR-22. You must also pay a reinstatement fee. Additionally, courts may order a maximum six-month jail sentence and a fine between $500 and $1,500. Subsequent violations may cause cancellation of your driver’s registration and license plates until the judge decides you meet your legal obligations.

Wyoming doesn’t have a new car insurance grace period, so acquiring a policy before driving a new vehicle is essential.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Wyoming?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Wyoming?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Wyoming?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.