Updated: March 6, 2026
Advertising & Editorial Disclosure
Your individual premium depends on factors you can't change, like your age and where you live, plus coverage levels and deductible amounts. Drivers with clean records in smaller Wyoming cities often pay less than those in urban areas or drivers with violations.
Skip to:
Car insurance costs in Wyoming are below national averages for both coverage types, making Wyoming one of the more affordable places to insure a vehicle. Full coverage car insurance runs $82 per month on average, while minimum coverage costs $25 per month.
| Minimum Coverage | $25 | $60 | $296 | $726 |
| Full Coverage | $82 | $124 | $984 | $1,493 |
Drivers in Wyoming pay $474 less per year for full coverage and $392 less for minimum coverage compared to national averages. Wyoming ranks fifth out of 51 states for full coverage affordability.
No, car insurance in Wyoming is not expensive compared to most states, ranking fifth out of 51 for full coverage affordability. Only four states offer more affordable rates than Wyoming, while 46 states have higher average premiums.
The state's severe weather and uninsured motorists also push up coverage costs for insured drivers. Cheyenne, Wyoming's largest city, concentrates much of the state's population and higher claim frequencies, driving up the statewide average despite the rural nature of most counties (see rates by city).
Vermont claims the cheapest car insurance at $75 per month for full coverage, while Florida drivers pay the most at $243 per month. Wyoming ranks below Hawaii in affordability, making it one of the most budget-friendly states for auto insurance coverage.
| Vermont | $75 | $902 | 1 |
| Hawaii | $82 | $983 | 4 |
| Wyoming | $82 | $984 | 5 |
| Florida | $243 | $2,912 | 51 |
American National offers Wyoming's most affordable car insurance: $72 per month for full coverage and $19 per month for minimum coverage, which is 12% below the state average. State Farm and GEICO are tied for second place among the most budget-friendly options for Wyoming drivers.
Comparing multiple insurers remains the most effective way to get lower premiums since each company uses its own formula to calculate rates. The same driver profile can generate very different quotes across insurers.
Read more: Cheapest and Best Car Insurance Companies in Wyoming
| American National | $19 | $72 | $233 | $862 |
| State Farm | $21 | $76 | $247 | $909 |
| Geico | $15 | $82 | $175 | $984 |
| Farmers | $26 | $85 | $313 | $1,019 |
| Allstate | $55 | $130 | $654 | $1,559 |
Your location in Wyoming affects what you'll pay for car insurance among the state's largest cities. Jackson and Casper sit at the expensive end, with full coverage averaging $82 and $81 per month respectively. Sheridan and Evanston offer the most affordable rates at $75 and $77 per month for full coverage.
| Jackson | $82 | $25 |
| Casper | $81 | $25 |
| Gillette | $81 | $25 |
| Laramie | $80 | $25 |
| Rock Springs | $80 | $25 |
| Cheyenne | $79 | $26 |
| Green River | $79 | $24 |
| Riverton | $78 | $24 |
| Evanston | $77 | $24 |
| Sheridan | $75 | $23 |
Sheridan's smaller population and rural location help keep claims frequency low compared to other Wyoming cities. Jackson pays higher rates due to heavy tourist traffic, mountain weather conditions and increased vehicle density during peak seasons. The difference between the most and least expensive of Wyoming's 10 most populous cities amounts to $7 per month, or $84 per year.
Staying on a family policy saves Wyoming teens annually, with 16-year-old males saving $871 per year compared to individual coverage. Age and gender affect car insurance rates in Wyoming, where adding a 16-year-old male to a family policy costs $3,910 per year and females cost $3,351 annually. Both amounts represent roughly three times the adult rate in Wyoming. Premiums drop steadily through the early 20s and stabilize around age 25.
The table displays average annual premiums when a young driver joins a household policy shared with two 50-year-old parents. Toggle between male and female rates using the dropdown menu to compare costs by gender. A 16-year-old male pays $4,781 per year on an individual policy compared to $3,910 on a family plan, creating $871 in annual savings for families who keep their teen on shared coverage.
| 16 | $3,910 | $4,781 |
| 17 | $3,426 | $3,847 |
| 18 | $3,257 | $3,393 |
| 19 | $3,030 | $2,690 |
| 20 | $2,852 | $2,342 |
| 21 | $2,600 | $2,034 |
| 22 | $2,523 | $1,859 |
| 23 | $2,429 | $1,722 |
| 24 | $2,388 | $1,669 |
| 25 | $2,020 | $1,228 |
Full coverage car insurance in Wyoming ranges from $86 per month with a clean record to $150 per month after a DUI, a 74% increase that adds $64 to monthly premiums. A DUI produces the largest premium increase of any violation in Wyoming. Even a speeding ticket pushes rates up by 31%, making any driving violation an expensive mistake.
| Clean Record | $86 | $1,030 | — |
| Accident (not at fault) | $87 | $1,039 | 1% |
| Texting While Driving | $93 | $1,117 | 8% |
| Speeding | $113 | $1,360 | 31% |
| Accident (at fault) | $114 | $1,369 | 33% |
| DUI | $150 | $1,802 | 74% |
Insurers in Wyoming view drivers with violations as more likely to file future claims, which directly affects how they price your coverage. This increased risk gets built into your premium, meaning a poor driving record will cost you more for car insurance.
Drivers with bad credit pay more than four times what good credit drivers pay for full coverage car insurance in Wyoming. Bad credit drivers pay monthly premiums of $366 compared to $79 for those with good credit. Wyoming allows insurers to use credit-based insurance scores when setting rates.
| Good Credit | $24 | $79 |
| Bad Credit | $165 | $366 |
| Difference | $141 | $287 |
Wyoming drivers with poor credit scores can reduce their car insurance premiums by improving their credit rating over time.
Upgrading from basic liability to comprehensive high-limit coverage in Wyoming adds $57 per month to your premium. State minimum liability costs $26 per month, while a 300/500/300 policy with comprehensive and collision runs $83 per month.
| Minimum Liability Only | $26 | $309 |
| Min. liab. + comp/coll ($1,000 ded.) | $42 | $500 |
| Min. liab. + comp/coll ($2,000 ded.) | $67 | $801 |
| 300/500/300 liability + comp/coll ($1,500 ded.) | $83 | $992 |
| 100/300/100 liability + comp/coll ($1,000 ded.) | $86 | $1,030 |
| 50/100/50 liability + comp/coll ($500 ded.) | $99 | $1,188 |
| Min. liab. + comp/coll ($250 ded.) | $110 | $1,324 |
| Min. liab. + comp/coll ($0 ded.) | $151 | $1,809 |
Wyoming's minimum liability coverage includes only the state-required 25/50/20 limits and provides no protection for your own vehicle through comprehensive or collision insurance. The table above begins with this basic tier and shows how premiums change when you increase liability limits or add coverage for your car. Higher coverage levels cost more because they protect both you and others on the road.
Here's what 50/100/50 liability + comp/coll ($500 ded.) means:
For more on coverage types and limits, read about the types of car insurance coverages and how much car insurance you need.
Your vehicle choice affects your insurance premium in Wyoming. These models represent some of the best-selling vehicles nationally by sales volume. Your rate will depend on your vehicle and its safety features and repair costs.
| Ford F-150 | $27 | $329 | $86 | $1,033 |
| Honda Civic | $29 | $351 | $90 | $1,079 |
| Honda Accord | $31 | $368 | $95 | $1,135 |
| Toyota Camry | $31 | $373 | $97 | $1,169 |
| Toyota Rav4 | $32 | $389 | $100 | $1,198 |
| Toyota Prius | $33 | $395 | $102 | $1,222 |
| Tesla Model 3 | $42 | $510 | $132 | $1,580 |
| Tesla Model Y | $52 | $626 | $161 | $1,935 |
A Tesla Model Y costs $161 per month for full coverage in Wyoming compared to $86 for a Ford F-150, creating a $75 monthly difference. Electric vehicles cost more to insure because specialized parts, battery replacement expenses and higher repair costs drive up claim severity when accidents occur. Drivers prioritizing affordable coverage can choose a Honda Civic or Toyota Camry, which save approximately $67 per month compared to a Model Y.
Car insurance rates across Wyoming can differ by depending on whether you live in rural areas or cities like Cheyenne and Casper. These are the questions drivers ask most when trying to understand what affects their premiums.
Wyoming car insurance ranges from $25 per month for minimum coverage to $82 for full coverage. Your actual rate depends on your driving record, age, credit score and coverage choices.
Wyoming's high uninsured motorist rate of 25% compared to the national average of 13% increases premiums for all drivers. Severe hailstorms and winter weather events across the state drive up comprehensive and collision coverage costs. Rural driving distances and limited competition among insurers also contribute to higher rates.
We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state.
Sections showing costs by age and driving record use rates for those driver profiles, with all other factors held constant.
Minimum coverage represents a state's minimum liability coverage. Full coverage includes a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
