Average Cost of Car Insurance in Wyoming for 2026

On average, Wyoming car insurance costs $25 per month for minimum coverage and $82 per month for full coverage. Wyoming is one of the cheapest states for auto insurance. Wyoming drivers save $474 per year on full coverage compared to the national average and $392 per year on minimum coverage.

Your rate within that Wyoming average depends on your credit score, the vehicle you drive, your driving record, your age and which company you choose. Some factors, like coverage level and which companies you quote, are in your control and can lower your costs immediately. Others, like credit score, age and location, change more slowly but still affect your rate over time.

Wyoming car insurance ranges from $26 per month for state minimum liability to $151 per month for minimum liability with a $0 deductible on comprehensive and collision. The standard full coverage benchmark, 100/300/100 liability limits with a $1,000 deductible, averages $86 per month.

Adding comprehensive and collision coverage to Wyoming's minimum liability costs only $16 more per month. That $16 covers damage to your own vehicle from accidents, theft, hailstorms and wildlife collisions — all common claims in Wyoming. 

The deductible is the most expensive coverage variable. Moving from a $1,000 deductible to a $0 deductible on minimum liability with comp/collision raises the monthly cost by $109. Upgrading from minimum liability limits to 100/300/100 with the same $1,000 deductible costs $44 more per month, from $42 to $86. Experts recommend getting as much coverage as you can afford.

Car insurance rates vary by just $7 per month across Wyoming's ten largest cities, from $75 in Sheridan to $82 in Jackson. Jackson's higher rate reflects heavy tourist traffic, mountain weather conditions and increased vehicle density during peak seasons. Sheridan's smaller population and rural location keep claims frequency low. 

The entire city range ($75 to $82) falls at or below the state average. If your quote is higher than your city's average for a clean-record driver, your company choice is probably what will move the needle the most.

Adding a 16-year-old male to a family policy costs $195 per month ($2,346 per year) in Wyoming; a 16-year-old female costs $168 per month ($2,010 per year). Wyoming uses gender as a rating factor, so male and female drivers pay different rates at every age — the difference at age 16 is $336 per year. 

Age and gender affect car insurance rates through the mid-20s. A 40-year-old clean-record driver pays $86 per month for full coverage, $109 less per month than a 16-year-old male on a family policy. For age-specific breakdowns, see 16-year-old car insurance costs, 17-year-old car insurance costs and 18-year-old car insurance costs.

A not-at-fault accident raises full coverage rates in Wyoming by $1 per month on average, from $86 to $87. A speeding ticket raises full coverage to $113 per month, adding $330 per year. An at-fault accident raises rates to $114 per month, $339 more per year than a clean record. A DUI raises monthly premiums the most, to $150 — a $64 monthly increase and $772 more per year than the $86 clean-record rate. 

Although the timeframe varies by violation type, violations typically affect rates for three to five years in Wyoming. Compare quotes at the three-year mark to get your cheapest rate.

Wyoming permits insurers to use credit-based insurance scores when setting premiums. Drivers with bad credit pay $366 per month for full coverage in Wyoming; drivers with good credit pay $79, a $287 monthly difference that amounts to $3,444 per year.  

The bad-credit rate of $366 per month is nearly three times the national average of $124 per month, which means poor credit costs Wyoming drivers more than living in the most expensive state in the country would cost a good-credit driver. Improving your credit score is the largest rate lever available to Wyoming drivers.

Vehicle types is the second-largest variable in Wyoming after credit score. That's because your rate will depend on your vehicle, its repair costs, parts availability and theft profile. For example, full coverage for a Tesla Model Y costs $161 per month in Wyoming. The Ford F-150 costs $86, a $75 monthly difference, or $900 per year.   

Both Tesla models cost more than every gas and hybrid vehicle in the table. Wyoming's sparse repair infrastructure compounds EV costs: limited technician availability in rural markets means longer repair timelines and higher claim severity.

Seven factors determine what you pay for car insurance in Wyoming. Credit score and vehicle choice move rates the most, by $287 per month and $75 per month respectively. Wyoming permits credit-based insurance scoring, making credit the single most consequential factor a driver can address over time.

Full coverage in Wyoming ranges from $72 per month with American National to $130 with Allstate among the five companies shown. Comparing multiple insurers is the fastest way to find which company has the lowest prices for your driving profile. Quote at least three companies before deciding. See the cheapest car insurance in Wyoming for ranked options by driver type.

We used this profile to determine 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

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.