Wyoming Car Insurance Calculators: Cost & Coverage

• Wyoming's rates on this page come from Quadrant Information Services, a company that collects the actual prices insurance companies charge in Wyoming, the same prices regulators see. These are the real prices insurers file with the state, not estimates.
• 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 insurance professional and MoneyGeek's lead insurance analyst, and reviewed by Mark Friedlander of the Insurance Information Institute.
• MoneyGeek's writers are paid only to publish accurate, helpful content. No insurance company pays to appear in our rankings, and our analysis is not influenced by advertising relationships.

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

Mountain West Farm Bureau insures about 1 in 10 Wyoming drivers, making it the fifth-largest insurer in the state. Most people have never heard of it. It sells policies exclusively through Wyoming and Montana insurance agents and doesn't appear on national comparison sites. In October 2025, Mountain West Farm Bureau announced a merger with Idaho Farm Bureau. No online quote tool includes Mountain West Farm Bureau. Call a Wyoming or Montana agent to get their rate before you decide.

If your credit is poor, the price difference between companies gets much bigger. American National charges $222 a month while State Farm charges $718 a month for the same driver, a $496 a month difference, or $5,952 a year. For drivers convicted of drunk driving (a DUI), State Farm charges $77 a month, only $5 above what State Farm charges a driver with no violations, while GEICO charges $201 a month for the same driver. A driver with a DUI who goes with GEICO without checking State Farm first is paying $124 a month more than the cheapest option in Wyoming.

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 cost $24 a month; ZIP code 82001 costs $29 a month. The cheapest address in the state is in the Sheridan area at $23 a month. Outside of Cheyenne, virtually every Wyoming address pays within $1 a month of each other.

Insurance companies use the ZIP code where your car sleeps at night to set your rate, because they look at how many claims have been filed in that area. In Wyoming, where you park is worth $5 a month at most. Choosing the right insurance company saves up to $66 a month. If you're shopping for coverage, where you live barely matters. Which company you're with matters a lot.

Young drivers pay $204 a month in Wyoming, 2.4 times what a 40-year-old driver pays at $85 a month. The birthday that saves the most money is not 25. It's 19. When a driver turns 19, their rate goes down by $58 a month, or $696 a year. Turning 25 brings a $32 a month drop. A driver who waits until 25 to get new quotes has been overpaying for six years.

At age 60, Wyoming rates go down to $78 a month, which is less than the average adult pays. Rates go up again at 70, reaching $104 a month by age 80. Put three birthdays on your calendar: 19, 60, and 70. At each one, get new quotes.

Poor-credit drivers pay $391 a month in Wyoming, while good-credit drivers pay $85 a month. That $306 a month difference, or $3,672 a year, is five times what you'd save by dropping to minimum coverage, which covers only what Wyoming law requires. If you're thinking about dropping to minimum coverage to save money, improving your credit score will save you far more.

In Wyoming, you want Good credit, not Excellent. At four of the five insurance companies in Wyoming, excellent credit costs $48 a month more than good credit. A driver who improved from Good to Excellent and didn't get new quotes is now paying $48 a 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. Get new quotes any time your credit score range changes.

If you cause an accident, your rate goes up by $28 a month in Wyoming. A drunk driving conviction adds $60 a month on average across Wyoming insurers. If you were rear-ended, your rate didn't go up. All five Wyoming insurers treat an accident that wasn't your fault the same as having no accidents at all. If you stopped shopping after being rear-ended, you didn't need to.

Wyoming keeps an accident you caused on your driving record for three years. A drunk driving conviction stays for five. Those are two separate moments to get new quotes. When each one drops off, your rate should come down. The SR-22 certificate, a form your insurer files to prove you have insurance, expires at the 36-month mark. The drunk driving conviction stays on your driving record until month 60. If you have a drunk driving conviction, which company you choose matters immediately: State Farm charges $77 a month while GEICO charges $201 a month for the same driver, so choosing wrong costs you $124 a month from the start. Every month you wait to switch is $124 you didn't need to spend.

Dropping to minimum coverage in Wyoming saves $59 a month. For a driver with poor credit, that's a $59 answer to a $306 problem. Choosing the wrong credit score range 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 doesn't fix the real reason your bill is high.

Wyoming is an at-fault state, which means if you cause a crash, you are personally responsible for paying the other person's costs above the maximum your insurance will pay. Wyoming's minimum coverage pays only $25,000 per person for injuries, and medical costs in a serious crash can go higher than that quickly. 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 is in a region called hail alley. It covers Colorado, Wyoming, and Nebraska and gets the country's most intense hailstorms, per the National Severe Storms Laboratory. Laramie County gets more hail than any other county in Wyoming, 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.

Bodily injury liability coverage, which pays for injuries you cause to other people, is why your coverage amount needs to be higher than Wyoming's legal minimum. It pays the other person's medical bills and lost wages. It also covers their 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 coverage, which pays for damage you cause to someone else's car or property, is why Wyoming's $20,000 minimum is not enough. A driver who destroys a newer car while at fault and has only the $20,000 minimum has to pay the rest themselves. The average price of a new vehicle in the U.S. exceeded $48,000 in 2024.

Uninsured and underinsured motorist coverage is in your recommendation because Wyoming law requires it. Wyoming Statutes section 31-10-101 requires this coverage on every policy in the state. You'd have to sign a form specifically saying you don't want it.

Wyoming's uninsured motorist rate was 6.7% in 2023, meaning about 1 in 15 Wyoming drivers carry no insurance at all, ranking it fourth lowest nationally, per a 2025 Insurance Research Council study published by the Insurance Information Institute. The national average was 15.4% the same year.

Comprehensive and collision coverage is in your recommendation because Wyoming has a high risk of hail damage. That risk makes this coverage more valuable here than in most states. Collision covers damage from a crash regardless of fault. Comprehensive covers non-crash damage: in Wyoming, that most often means hail or theft. Fire and wildlife collisions are also covered. Laramie County gets more hail than almost anywhere else in Wyoming, which is why comprehensive coverage appears in most recommendations for drivers there. If you have a car loan, your bank requires both.

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. A new car loses value the moment you drive it off the lot. A driver who borrowed the full price of a car and wrecks it in the first few years may owe more on the loan than the insurance company will pay.

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 the Wyoming Department of Transportation, SR-22 is required after a drunk driving conviction or reckless driving conviction. Being in an accident without insurance can also lead to the requirement. You must keep the SR-22 on file for three years. If your insurance policy cancels or runs out, the Wyoming Department of Transportation is notified right away and your license suspension starts again.

A driver with a DUI must keep the SR-22 on file for three years, but the conviction stays on their driving record for five years. The SR-22 expires at month 36. The drunk driving conviction doesn't come off your driving record until month 60. Those are different times to get new quotes.

1. Contact a Wyoming or Montana insurance agent for a Mountain West Farm Bureau quote. Mountain West Farm Bureau insures about 1 in 10 Wyoming drivers, making it the fifth-largest insurer in the state. It sells policies exclusively through Wyoming and Montana agents and doesn't appear on national comparison sites. No online quote tool includes Mountain West Farm Bureau. Call a Wyoming or Montana agent directly. While you have the agent on the phone, also ask what American National charges for a driver like you. American National charges $63 a month for a typical Wyoming driver.
2. Keep your credit at Good, not Excellent. At four of the five insurance companies in Wyoming, Excellent credit costs $48 a month more than Good. If your credit is Good, don't assume improving it will lower your rate. If your credit is Poor, get new quotes immediately. For a driver with poor credit in Wyoming, the difference between the cheapest and most expensive insurer is $496 a month. MoneyGeek's guide for drivers with poor credit shows what every Wyoming insurer charges at each credit level.
3. Get new quotes at 19, not 25. When a driver turns 19 in Wyoming, their rate goes down by $58 a month, or $696 a year. Turning 25 brings a $32 a month drop. If a driver on your policy is turning 19, get new quotes right away. If the 19th birthday has already passed without getting new quotes, the next good time to re-shop is at 25. At age 60, Wyoming rates go down to $78 a month, which is less than the average adult pays. Rates go up again at 70. A driver who got new quotes at 60 but didn't switch is likely overpaying once they hit 70.
4. Know when your violations drop off your record. If you caused an accident, get new quotes at month 36. That's when the accident comes off your driving record, per the Wyoming Department of Transportation. For a drunk driving conviction, get new quotes at month 36 when the SR-22 expires, and again at month 60 when the conviction comes off your driving record. State Farm charges drivers with a drunk driving conviction $77 a month from the start, which is $68 less than the average Wyoming insurer charges. Call State Farm before accepting any other quote.