Wyoming car insurance runs about $984 yearly for full coverage and $296 for minimum coverage, assuming a 40-year-old driver with strong credit and a clean driving history. The state places 5th for full coverage and 1st for minimum coverage in national rankings, with premiums 33% and 57% below average rates respectively.
Average Cost of Car Insurance in Wyoming
Updated: October 17, 2025
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Key Takeaways
Wyoming car insurance costs range from $296 to $6,141 per year on average, depending on your driver profile, coverage and location.
With rankings of 1st for minimum coverage and 5th for full coverage, Wyoming offers some of the most budget-friendly car insurance rates in the nation.
Find the cheapest car insurance in Wyoming by deciding on coverage beforehand, researching costs and companies, and comparing multiple quotes.
Average Car Insurance Cost In Wyoming
| Full Coverage | $82 | $984 |
| Minimum Coverage | $25 | $296 |
Full coverage costs an additional $688 annually beyond minimum requirements, breaking down to roughly $57 per month. Premium amounts vary based on individual risk factors, coverage choices and personal profile.
Average Wyoming Car Insurance Cost By Category
Credit problems create Wyoming's most dramatic rate category at $366 monthly for full coverage - by far the state's highest cost. Personal characteristics significantly shape Wyoming's car insurance costs.
Young drivers pay much less at $188 monthly while adults enjoy $79 monthly rates. Older vehicles secure Wyoming's best deals at $76 monthly, reflecting the state's rural roads and lower accident frequency.
| Drivers With Old Cars | $23 | $76 |
| Adult Drivers | $24 | $79 |
| Senior Drivers | $30 | $97 |
| Drivers With A Speeding Ticket | $30 | $107 |
| Drivers With Newer Cars | $31 | $110 |
| Drivers With An Accident | $32 | $109 |
| Drivers With A DUI | $40 | $142 |
| Young Drivers | $54 | $188 |
| Drivers With Low Income | $91 | $203 |
| Drivers With Bad Credit | $165 | $366 |
Wyoming's rural landscape keeps most rates affordable, but credit issues create the most extreme premium penalties of any category in this sparsely populated state.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
Check out our comprehensive roundup guides to identify the best cheap provider for your profile:
Average Wyoming Car Insurance Cost by Company
American National delivers exceptional value in Wyoming at $72 monthly for full coverage, while Allstate commands premium pricing at $130 monthly. Wyoming shows dramatic price variations between insurance carriers, with full coverage premiums ranging from $72 to $130 monthly across major companies.
Wyoming drivers can achieve remarkable annual savings of approximately $697 by choosing the right insurer - among the nation's highest potential savings.
| Geico | $15 | $82 |
| American National | $19 | $72 |
| State Farm | $21 | $76 |
| Farmers | $26 | $85 |
| Allstate | $55 | $130 |
Average Wyoming Car Insurance Cost By City
Big Horn offers Wyoming's most affordable coverage at $75 monthly while Albin reaches $83 monthly - an exceptionally small $8 difference. Wyoming demonstrates remarkable rate consistency across its sparse population centers.
Wyoming's low population density and rural roads create minimal variation in insurance costs across communities. Compare rates for your city below.
Data filtered by:
Afton
| Full Coverage | $78 | $941 |
| Minimum Coverage | $24 | $288 |
Is Wyoming Car Insurance Expensive?
Wyoming ranks as one of the most affordable states for car insurance in 2025, placing first for minimum coverage affordability and fifth for full coverage policies.
These statewide averages only tell part of the story. Your specific city's insurance costs may vary significantly when compared to other locations across the country.
Why Is Car Insurance More Affordable In Wyoming?
Why does Wyoming insurance cost so little? Here are the main reasons:
Low population density benefits
Wyoming has the lowest population density in the United States, with fewer cars on the road resulting in less traffic congestion and fewer accidents. This lower density translates to reduced comprehensive claims from theft and vandalism compared to urban areas. Wyoming's sparse population helps keep insurance costs affordable for everyone.
Severe winter weather conditions
Wyoming faces harsh winter conditions that create challenging driving situations. Winter storms can develop quickly and without warning across Wyoming's high plains and mountains, creating treacherous driving conditions. Despite these weather risks, Wyoming's low population density means fewer total weather-related claims, helping keep rates affordable.
High rate of wildlife collisions
Wyoming faces frequent wildlife collisions due to its rural nature and abundant animal populations. Wildlife collisions can be expensive, with larger animals like elk and moose causing substantially more damage than deer. These crashes are common in Grand Teton and Yellowstone National Parks, where tourists encounter unfamiliar wildlife crossing patterns.
Rural road conditions and long distances
Wyoming's rural character means drivers often travel long distances to reach essential services. This can result in higher annual mileage for some drivers, while others benefit from less frequent driving. Remote locations can lead to more severe accidents due to delayed emergency response times, but the overall low traffic volume helps keep claim frequency down.
Population Density and Tourism
Wyoming's low population density contributes to lower crime rates, which helps keep comprehensive coverage costs affordable. Insurance companies look at population density and motor car thefts when determining rates, with Wyoming's sparse population contributing to lower crime-related claims. This translates to lower comprehensive claims and more affordable premiums for drivers.
High traffic fatality rate
Wyoming faces traffic safety challenges with one of the nation's highest fatality rates per capita. The state's rural roads, harsh weather conditions and long travel distances contribute to serious accidents. Relatively lower seat belt usage contributes to Wyoming's safety challenges, though the low overall traffic volume helps keep liability insurance costs manageable.
Age and gender rating factors
Wyoming allows age and gender as rating factors, with male drivers paying more than women on average because they tend to engage in more risky driving behaviors. Young drivers, especially teenage boys, typically face the highest premiums when added to a family policy. Rates generally decrease as drivers gain experience and reach middle age, with experienced drivers often receiving the lowest premiums.
Lower repair and medical costs
Wyoming benefits from a relatively low cost of living, which can make car repairs less expensive than in higher-cost states. Labor rates for mechanics and body shops tend to be more affordable than in major metropolitan areas. Differences in parts and repair costs, weather events, population density and crime statistics vary by ZIP code, with insurers assigning different risk levels accordingly.
Credit score impact
Wyoming allows the use of credit history as an auto insurance rating factor, and improving your credit score may be an effective strategy for reducing premiums. Credit-based insurance scores help insurers assess risk, and Wyoming drivers with excellent credit typically pay less than those with poor credit histories. Drivers with no credit pay more on their premiums than drivers with excellent credit.
How To Lower Car Insurance Costs In Wyoming
We've created a step-by-step guide to to lower your car insurance costs:
- 1Decide on coverage needs beforehand
Deciding on your coverage needs is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and risk tolerance when making this decision.
- 2Research costs and discounts
To save money for your profile, know the average costs for your preferred coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance bundles for the most balanced perspective.
- 3Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4Compare quotes through multiple means
Compare quotes from multiple companies to find the best deal possible. Use different methods of getting quotes, such as comparison sites and independent agents, since pricing varies widely by method.
Cost of Car Insurance in Wyoming: Bottom Line
Wyoming car insurance costs are among the most affordable in the United States, making it important to take advantage of savings strategies. Decide on your coverage needs beforehand, do thorough research and compare quotes from the right insurers.
Cost of Car Insurance in Wyoming: FAQ
Below are answers to frequently asked questions about Wyoming car insurance costs:
How much is Wyoming car insurance per month?
Wyoming car insurance costs $25 for minimum coverage and $82 for full coverage policies. Rates range from $23 to $366 monthly, depending on your unique driver profile and coverage choice.
What factors affect Wyoming car insurance costs?
Primary factors include driving history, age and location. Drivers with accidents, violations or those who are young face higher rates, while urban areas cost more than rural ones. Car type, coverage amounts, credit score and annual mileage also impact premiums, along with factors like gender and marital status in some states.
Why is Wyoming car insurance so expensive?
Wyoming has the lowest population density nationally and offers some of the nation's most affordable rates at $984 annually, 33% below the national average. The state faces harsh winter conditions with severe storms and temperatures near 0°F. Despite challenging weather, Wyoming benefits from low population density, minimal urban areas and mandatory uninsured motorist coverage requirements.
How expensive is Wyoming car insurance?
With rankings of first for minimum coverage affordability and fifth for full coverage, Wyoming stands out as one of the more budget-friendly destinations for auto insurance across the U.S.
How We Determined Wyoming Car Insurance Costs
We used the following profile and modifications of this profile to determine Wyoming auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Wyoming Department of Transportation. "Winter Travel in Wyoming." Accessed October 28, 2025.