Cheapest Auto Insurance in Wyoming (2024)
Wyoming drivers pay $64 per month, on average, for liability-only coverage.
Excellent
)
Written byMelanie Lockert
)
10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
Featured in
){kind=logo}
){kind=small}
){kind=logo}
){kind=small}
)
Edited byKatie Powers
)
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
){kind=small}
)
Reviewed byDaniel Roccato
)
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
)
Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 21, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Wyoming has the lowest population in the U.S. and a population density of just 5.9 residents per square mile.[1] With wide open spaces and distinctive landscape featuring the Great Plains, mountains, and Yellowstone National Park, Wyoming also has much-lower-than-average car insurance rates.
Minimum coverage averages just $64 per month in the Equality State, while the national average is $104 per month. Your actual premium may be lower or higher than the average, depending on factors like your insurer, chosen coverage type and amount, age, driving history, vehicle type, and more.
Wyoming drivers comparing rates to find cheap car insurance will find the lowest rates from from Dairyland, Safeco, and Foremost, according to Insurify data. Here’s what you need to know to find cheap auto coverage in Wyoming.
Quick Facts
Drivers in the state pay an average of $151 monthly for full-coverage insurance.
Driving without insurance in Wyoming may result in a fine of up to $750 and up to six months in jail.[2]
Wyoming law permits insurers to consider your credit history when determining your car insurance premium.
Best car insurance companies in Wyoming
Finding the best Wyoming car insurance rates will depend on your situation and what type of coverage you’re looking for. To find the cheapest insurance, you should compare various insurers and review all aspects of coverage before deciding on one option.
You can start by reviewing the top three options for cheap car insurance in Wyoming below.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Safeco | 8.3 | $115 | $34 | Full-coverage insurance |
| Foremost | 7.4 | $254 | $73 | Gap insurance |
| Dairyland | 7.0 | $140 | $50 | Liability coverage |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for full coverage: Safeco
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $59/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $128/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Safeco has the cheapest full-coverage rates in Wyoming. The company sells standard auto coverage, as well as new-vehicle replacement and rental reimbursement coverage. Drivers can save money with the company’s claims-free cash back, accident forgiveness, and diminishing deductible policies.
Pros
Cheapest full-coverage rates in Wyoming
Claims-free cash back and accident forgiveness policy available
Cons
Low BBB customer review rating
May have difficult insurance claims process
Best insurer for gap insurance: Foremost
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $116/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $355/mo |
3.6
A solid optionBased on 18 verified guest reviews and ratings
How drivers feel about Foremost
Drivers appreciate the patient customer service and flexible payment options but dislike the roadside service and inconsistent pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Collectible auto coverage
New and financed vehicles
How drivers feel about Foremost
Drivers appreciate the patient customer service and flexible payment options but dislike the roadside service and inconsistent pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Collectible auto coverage
New and financed vehicles
Reviews (12)
Kenneth
November 19, 2024
Verified Review
Not Worth It
They are not satisfactory. I have never made a claim, yet they raised my rate by 400 dollars. The coverage they provide is also insufficient. They are not worth it.
Barbara
October 22, 2024
Verified Review
Foremost Takes Care of My Home
I haven't had much contact with Foremost, but the interactions I've had have been very good and professional.
Tayla
October 8, 2024
Verified Review
Average
I could never get a hold of anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.4A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Foremost has the third-lowest rates for full coverage in Wyoming. In addition to standard coverage offerings, Foremost offers rental reimbursement and towing and roadside service. The company also offers loan/lease gap insurance, which you may want if you’re financing or leasing a vehicle. Foremost advertises three discount opportunities.
Pros
Diminishing deductible policy available
Rideshare and gap coverage available
Cons
Mobile claims filing not available
Above-average number of customer complaints, based on National Association of Insurance Commissioners (NAIC) data
Best insurer for liability coverage: Dairyland
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $141/mo |
3.6
A solid optionBased on 246 verified guest reviews and ratings
How drivers feel about Dairyland
Drivers appreciate the low prices, honesty, and good customer service but dislike the frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
How drivers feel about Dairyland
Drivers appreciate the low prices, honesty, and good customer service but dislike the frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
Reviews (133)
Oliver
November 5, 2024
Verified Review
Review Option
The insurance premium is too high without much coverage.
Stephen
November 5, 2024
Verified Review
Excellent
I paid them every month and they insured my car every month. It's not rocket science.
Pamela
November 4, 2024
Verified Review
Cheaper Coverage
I have recommended Dairyland to many people as they are the best I've had. However, my financial situation has changed and it's become difficult to make ends meet. So, I'm exploring options to reduce some of my bills.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.61A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Dairyland offers cheap car insurance in Wyoming for liability coverage and advertises multiple discounts. Dairyland offers standard coverages, as well as rental reimbursement, towing and labor, lienholder, and special equipment coverage.
Pros
Cheapest liability coverage in Wyoming
Multiple discounts available
Cons
Mobile claims filing not available
Low Better Business Bureau (BBB) customer review rating
How to get the cheapest car insurance in Wyoming
Wyoming has lower rates than many other states in the U.S., but you should always try to find the cheapest rate for the type of coverage you’re looking for. You can take a few steps to find competitive pricing:
Bundle your policy. Many insurance companies offer consumers a discount for bundling their auto insurance policy with another insurance product, such as homeowners insurance.
Review potential discounts. When shopping for car insurance coverage in Wyoming, look at the discounts various insurance companies provide and inquire about your eligibility. Companies tend to reward drivers for driving safely, installing vehicle safety features, and more.
Drive safely. Because your driving history is a major factor influencing your car insurance rates, you should always aim to drive safely, keep within the speed limit, maintain focus, and avoid distractions. These habits can help you maintain a clean record.
Find Car Insurance in Wyoming
Unlock savings and discounts when you compare rates through Insurify
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Wyoming
Liability coverage is typically the cheapest coverage you can buy. Wyoming, like most other U.S. states, requires drivers to purchase a minimum amount of liability coverage. If you have a car accident, your liability insurance covers the property damage and bodily injury you cause the other driver and their passengers. It doesn’t pay for your medical expenses or vehicle damage.[3]
In Wyoming, drivers pay a monthly average of $64 for liability-only policies. You can find average rates from Wyoming insurers below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Dairyland | $51 |
| Safeco | $59 |
| Bristol West | $78 |
| Foremost | $116 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Wyoming
Liability coverage is only the starting point of the coverage you can purchase as a driver. Because it doesn’t pay for your damage or injury, you may want to purchase additional coverage for more protection, especially if you're driving a newer vehicle.
Full-coverage insurance includes liability, comprehensive, and collision insurance, which extends coverage to your vehicle. It’s a good idea to purchase full coverage if you want to reduce your risk and protect your finances. If you lease or finance your vehicle, your lender may even require it.
On average, Wyoming drivers pay $151 for full coverage, per month. You can find the cheapest rates for full-coverage car insurance in Wyoming below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Safeco | $128 |
| Dairyland | $141 |
| Bristol West | $210 |
| Foremost | $355 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Wyoming
Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $99/mo for full coverage in Wyoming.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Wyoming
Most states, including Wyoming, have minimum auto insurance requirements that include liability insurance. In the state of Wyoming, drivers must carry minimum amounts of bodily injury and property damage liability coverage.[4]
Wyoming is an at-fault, or tort, state, which means the driver responsible for an auto accident must cover the damages and injury they cause.[5] You must have the following amounts of coverage in Wyoming:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
You may want to get additional coverage to protect you and your vehicle. Here are some common optional coverages worth considering:
Collision
Whether you hit another car or back into a pole, collision coverage can pay for the damage if your car collides with another object.
Comprehensive
If a non-collision-related event — such as weather, vandalism, or falling rocks — causes damage, comprehensive coverage will kick in.
Medical payments
If you have an injury related to an auto accident, this coverage option can help cover your medical bills.
Underinsured/uninsured motorist
You could find yourself in an accident with a driver who doesn’t have sufficient car insurance coverage. This coverage type can fill in the gaps.
Cheapest car insurance for drivers with an incident
If you have an incident on your driving record in Wyoming, you may face increased insurance rates. An incident can include speeding tickets, at-fault accidents, and driving under the influence (DUI). While nearly all incidents will raise rates, exact prices largely depend on the type and severity of the incident.[6]
Because these incidents can cause property damage and bodily injury, your insurer will view you as a higher-risk driver and increase your rates accordingly.
Find Car Insurance in Wyoming
Minimum-coverage rates for drivers with an incident average $95/mo.
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket
You’ll typically face a fine following a speeding ticket, as well as an increase in your car insurance rates. The exact fine you’ll pay depends on how many miles per hour over the speed limit you were driving. The more you go over the speed limit, the higher the fine you’ll pay.
Drivers in Wyoming with a speeding ticket pay a monthly average of $111 and $263 for liability only and full coverage policies, respectively.
Because insurers view speeding as a high-risk driving behavior, you’ll typically face a higher insurance premium. You can find the monthly rates for the cheapest car insurance rates in Wyoming for drivers with a speeding ticket below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Dairyland | $51 | $75 |
| Safeco | $59 | $88 |
| Bristol West | $78 | $115 |
| Foremost | $116 | $182 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
After an auto accident, you’ll need to file a claim with your insurance company. An at-fault accident on your driving record in Wyoming will typically increase your car insurance premiums. You should expect to pay more for car insurance coverage for three to five years.
Wyoming drivers with an at-fault accident on their record pay a monthly average of $108 for liability coverage and $254 for full-coverage car insurance. Find the top options for affordable coverage in Wyoming after an at-fault accident below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Dairyland | $51 | $75 |
| Safeco | $59 | $86 |
| Bristol West | $78 | $115 |
| Foremost | $116 | $182 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
You should always aim to keep yourself and others safe on the road while you’re driving. That’s why driving under the influence (DUI) is a serious offense that risks causing others serious harm. Aside from potential legal consequences, a DUI typically leads to a drastic increase in auto insurance rates. Specific increases will depend on your insurance company, as well as your past driving history.
For Wyoming drivers with a DUI violation, liability-only insurance costs a monthly average of $120, while full coverage policies are priced at an average of $284. Below, you can compare average monthly rates from Wyoming insurers for drivers with a DUI on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Dairyland | $51 | $90 |
| Safeco | $59 | $97 |
| Bristol West | $78 | $138 |
| Foremost | $116 | $205 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
Your age also plays a role in your insurance premium. Drivers typically experience steadily decreasing rates between the ages of 35 and 75. Senior drivers have ample driving experience, but getting older can also pose new challenges and safety risks. Rates tend to increase slightly for drivers around age 75.[7]
Wyoming senior drivers pay a monthly average of $45 for liability-only coverage and $107 for full-coverage insurance. The insurance companies listed below offer cheap car insurance in Wyoming for senior drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Safeco | $102 | $47 |
| Dairyland | $104 | $38 |
| Bristol West | $156 | $58 |
| Foremost | $263 | $86 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Teen drivers typically pay the highest rates for car insurance by age group. Because young drivers have a limited driving history, insurance companies believe they pose a higher risk to insure and charge higher rates. Additionally, teens may engage in risky driving practices, such as speeding, distracted driving, or driving under the influence, and have higher rates of fatal accidents.[8]
To minimize costs, look at insurance companies that have good student discounts. Additionally, opting for a vehicle with safety features and remaining on your parents’ auto policy may lower costs.
Teen drivers in Wyoming pay a monthly average of $111 for liability coverage and $262 for full-coverage policies. You can see the most competitive options for teen drivers in Wyoming below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Dairyland | $230 | $83 |
| Safeco | $249 | $115 |
| Bristol West | $357 | $133 |
| Foremost | $637 | $208 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Wyoming car insurance quotes by credit tier
Your credit history is generally one of the factors insurance companies use to set your car insurance rates. Though a handful of states prohibit insurers from considering credit, Wyoming permits insurers to do so.[9] That means your credit rating can affect how much you pay for auto insurance coverage.
Wyoming drivers with excellent or good credit may qualify for lower rates than people with average or poor credit. Insurance companies tend to associate low credit with higher levels of risk.[10]
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Wyoming car insurance FAQs
Before purchasing car insurance, you need to decide how much coverage you need and find an insurer that meets your insurance needs. The information below should help you navigate the process of finding coverage in Wyoming.
How much is car insurance in Wyoming?
Car insurance in Wyoming averages $151 per month for full coverage and $64 for liability-only insurance. Your specific rate will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.
What are the best car insurance companies in Wyoming?
With an Insurify Quality (IQ) Score of 3.6 out of 5 and an AM Best financial strength rating of A (Excellent), Safeco is the best car insurance company in Wyoming. Of the insurers Insurify has rate data for, other top Wyoming auto insurers include Dairyland and Foremost.
Is car insurance cheaper in Wyoming?
Car insurance is fairly cheap in Wyoming, averaging $151 per month for full coverage and $64 for liability-only insurance. By comparison, the national averages are $204 and $104, respectively. Out of all states, Wyoming has the smallest population, which leads to less population density and traffic congestion. Compared to Wyoming, coverage is cheaper in North Dakota but more expensive in South Dakota.
Is Wyoming a no-fault state?
No. Wyoming is an at-fault state. This means that drivers responsible for an auto accident are responsible for covering the costs of resulting damage and injury for the other driver and their passengers.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Wyoming
Sources
- U.S. Census Bureau. "Quick Facts, Wyoming."
- Rocky Mountain Insurance Information Association. "Uninsured Motorists: Wyoming."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Rocky Mountain Insurance Information Association. "Wyoming Auto Insurance Requirements."
- NOLO. "Wyoming Car Insurance Requirements."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- National Highway Traffic Safety Administration. "Older Drivers."
- Centers for Disease Control and Prevention. "Teen Driver and Passenger Safety."
- National Conference of State Legislatures. "States Consider Limits on Insurers’ Use of Consumer Credit Info."
- Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance."
)
Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
)
)
)
)
)