Wyoming Car Insurance Calculators: Cost & Coverage

• Wyoming's rates on this page come from Quadrant Information Services, which collects actual premium filings from the insurance companies writing policies in this state. Quadrant provides the same data used by insurance regulators and consumer finance researchers.
• Rates are matched to your ZIP code so the estimate reflects what insurers charge in your specific area, not a statewide average.
• The rates and analysis on this page were prepared by Mark Fitzpatrick, a licensed P&C producer and MoneyGeek's lead insurance analyst, and reviewed by Mark Friedlander of the Insurance Information Institute.
• MoneyGeek's editorial team is compensated only for publishing accurate, helpful content. No insurance company pays to appear in our rankings, and our analysis is not influenced by advertising relationships. Read about our editorial standards and methodology.

Two Wyoming drivers with the same car, same record, same ZIP, and same coverage are paying $63/month and $129/month. The only difference is the insurance company they chose. If you're with Allstate, switching to American National saves $66/month, or $792 a year, without changing anything about your coverage.

Mountain West Farm Bureau holds 9.4% of Wyoming's auto insurance market. That makes it the fifth-largest insurer in the state. It sells policies exclusively through Wyoming and Montana insurance agents and doesn't appear on national comparison sites. In October 2025, it announced a merger with Idaho Farm Bureau. No online quote process reaches Mountain West Farm Bureau. Call a Wyoming or Montana agent to get their rate before you decide.

For drivers with poor credit, the cost difference. American National charges $222/month while State Farm charges $718/month for a driver with poor credit ($496/month gap, or $5,952 a year). For drivers with a DUI, State Farm charges $77/month, only $5 above what State Farm charges a driver with no violations, while GEICO charges $201/month for the same driver. A driver with a DUI who chooses GEICO without checking State Farm is paying $124/month more than the state's cheapest option.

In Wyoming, the difference between the cheapest and most expensive ZIP code is $6 a month, and almost all of that gap is inside Cheyenne. ZIP codes 82007 and 82009 in Cheyenne run $24/month; 82001 runs $29/month. The cheapest address in the state is in the Sheridan area at $23/month. Outside of Cheyenne, virtually every Wyoming address pays within $1/month of each other.

Where your car is parked overnight determines the ZIP code used to calculate your rate. In Wyoming, that decision is worth $5/month at most. The carrier decision is worth $66/month. If you're shopping for coverage, where you live barely matters. Which company you're with matters a lot.

Young drivers pay $204/month in Wyoming, 2.4 times what a 40-year-old driver pays at $85/month. The birthday that saves the most money is 19, not 25. The 18-to-19 birthday cuts the rate by $58/month, or $696 a year. The 24-to-25 birthday cuts only $32/month. A driver who waits until 25 to re-shop and get new quotes has left the larger saving six years behind.

At age 60, Wyoming rates drop to $78/month, which is cheaper than the adult average. They climb again at 70, reaching $104/month by 80.

Poor-credit drivers pay $391/month in Wyoming. Good-credit drivers pay $85/month. That $306/month difference, or $3,672 a year, is five times what you'd save by switching to minimum coverage, covering only what Wyoming law requires. If you're considering dropping to minimum to save money, fixing your credit gives you more savings.

In Wyoming, you want Good credit, not Excellent. At four of the five insurers writing here, excellent credit costs $48/month more than good. A driver who improved from Good to Excellent and didn't re-quote is now paying $48/month more than before the improvement. Your insurer won't notice your credit changed. They only check at the start of a policy, not during it. Re-quote any time your credit tier changes.

An at-fault accident adds $28/month in Wyoming. A DUI adds $60/month on average across Wyoming insurers. If you were rear-ended, your rate didn't go up. All five Wyoming insurers treat a not-at-fault accident the same as a driver with no accidents at all. If you stopped shopping after being rear-ended, you didn't need to.

Wyoming keeps an at-fault accident on your driving record for three years. A DUI stays for five. Those are two separate moments to re-shop. When each one drops off, your rate should come down. The SR-22 expires at month 36; the DUI stays on your driving record until month 60. For drivers with a DUI, the insurance company matters from day one: State Farm charges drivers with a DUI $77/month while GEICO charges $201/month. Waiting for a better moment to switch costs $124/month in the interim.

Dropping to minimum coverage in Wyoming saves $59/month. For a driver with poor credit, that's a $59 answer to a $306 problem. Choosing the wrong credit tier costs five times more than choosing the wrong coverage level, meaning whether you pick full or minimum coverage. Dropping to minimum while staying with the wrong insurance company leaves the real cost driver untouched.

Wyoming is an at-fault state, so if you cause a crash, you are personally responsible for paying the other person's costs above your policy limit. Wyoming's minimum bodily injury limit is $25,000 per person, and medical costs in a serious crash may exceed that. A court can order you to pay the difference out of your personal assets if the costs go above what your policy covers.

Wyoming's $59 gap between full and minimum coverage includes comprehensive coverage, which pays for hail damage and other non-crash events. Wyoming sits in hail alley, where Colorado, Wyoming, and Nebraska get the country's most intense hailstorms, per the National Severe Storms Laboratory. Laramie County has the highest hail frequency in the state, per the Wyoming State Climate Office.

The National Weather Service documents nine hail days per year in Cheyenne. Most advice about dropping comprehensive assumes hail is rare. In Laramie County, it isn't. If you have an older vehicle and live there, keep comprehensive coverage.

Bodily injury liability pays the other person's medical bills, lost wages, and legal fees if they sue. In Wyoming, if those costs exceed your policy limit, you pay the rest yourself. Wyoming requires $25,000 per person and $50,000 per crash. Medical costs in a serious crash can exceed $25,000 quickly.

Property damage liability covers damage you cause to other people's vehicles and property when you are at fault. The average price of a new vehicle in the U.S. exceeded $48,000 in 2024. A driver who totals a late-model vehicle while at fault and carries only the $20,000 minimum is personally responsible for the difference.

Uninsured and underinsured motorist coverage is in your recommendation because Wyoming law requires it. Under Wyoming Statutes section 31-10-101 (2024), every policy must include it. You'd have to sign a form specifically saying you don't want it.

Wyoming's uninsured motorist rate was 6.7% in 2023, so about 1 in 15 Wyoming drivers carry no insurance at all. The state ranks as the fourth lowest nationally, per a 2025 Insurance Research Council study published by the Insurance Information Institute.

Comprehensive and collision coverage is in your recommendation because Wyoming's hail risk changes the calculation. Collision covers damage from a crash regardless of fault. Comprehensive covers non-crash damage: hail, theft, fire, and wildlife strikes are the primary examples in Wyoming. Laramie County's severe hail frequency is the state-specific reason comprehensive appears in most Wyoming recommendations. Lenders require both on any financed vehicle.

Gap insurance is in your recommendation because your car is probably worth less than what you still owe on it. It pays the difference between what your insurer pays after your car is declared a total loss, meaning it's been damaged beyond what it costs to repair, and what you still owe on your loan or lease. New vehicles depreciate immediately after purchase. A driver who financed a vehicle at 100% and totals it in the first few years may owe more than the insurance settlement covers.

An SR-22 is a certificate your insurance company files with the Wyoming Department of Transportation to prove you have a valid, active insurance policy. Per WYDOT, SR-22 is required after a DUI conviction or reckless driving conviction. An uninsured accident suspension also triggers the requirement. The filing covers three years. If the policy lapses, WYDOT is notified immediately and the suspension restarts.

A DUI driver carries SR-22 for three years, but the DUI stays on your driving record for five years. The SR-22 expires at month 36. The DUI doesn't clear your driving record until month 60. Those are different re-shop dates.

1. Contact a Wyoming or Montana insurance agent for a Mountain West Farm Bureau quote. Mountain West Farm Bureau holds 9.4% of Wyoming's auto insurance market per 2021 state insurance data. That makes it the state's fifth-largest insurer. It distributes exclusively through Wyoming and Montana agents and doesn't appear on national comparison sites. No online quote process reaches it. Call a Wyoming or Montana agent directly. While you have the agent on the phone, also confirm American National's rate for your specific profile. American National charges $63/month for a typical Wyoming driver.
2. Target Good credit, not Excellent. At four of the five insurers writing in Wyoming, Excellent credit costs $48/month more than Good. If your credit is Good, do not assume improving it will lower your rate. If your credit is Poor, re-quote immediately. The carrier gap for a driver with poor credit in Wyoming is $496/month between the cheapest and most expensive insurer. MoneyGeek's guide for drivers with poor credit covers the full carrier-by-tier breakdown for Wyoming.
3. Re-shop at 19, not 25. The 18-to-19 birthday in Wyoming saves $58/month, or $696 a year. The 24-to-25 birthday saves $32/month. If a driver on your policy is turning 19, that is the re-shop date. If the 19th birthday has already passed without a re-quote, target 25 next. At 60, Wyoming's rate drops to $78/month, below the adult average. It climbs again at 70. A driver who re-shopped at 60 and stayed put is likely overpaying from 70 onward.
4. Know when your violations drop off your record. For an at-fault accident, re-shop at month 36. That's when the violation drops off your driving record per the Wyoming Department of Transportation. For a DUI, re-shop at month 36 when the SR-22 expires, and again at month 60 when the DUI drops off Wyoming's five-year driving record. State Farm charges drivers with a DUI $77/month from day one, $68 below the Wyoming market average. Call State Farm before accepting any other quote.