Average cost of car insurance in Wyoming for 2024

How much is car insurance in Wyoming? 

The average annual cost of car insurance in Wyoming is $264 for minimum coverage and $1,668 for full coverage. Compared to the national averages of $678 and $2,458 for minimum and full coverage, respectively, Wyoming drivers pay significantly less than the national average. However, your rates will vary based on personal rating factors, such as your age, gender, credit history, ZIP code, driving record and vehicle type.

Key takeaways

• Wyoming drivers pay an annual average of $264 for minimum coverage car insurance and $1,668 for full coverage — or $22 and $139 per month, respectively.
• The average cost of auto insurance in Wyoming is about 32 percent less than the national average for full coverage and almost 61 percent less for minimum coverage.
• Any traffic violation can raise your insurance premiums, but a DUI in Wyoming causes average rates to nearly double.

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Wyoming car insurance rates by city

In Wyoming, your city and even your specific ZIP code can affect your car insurance rates. Differences in parts and repair costs, weather events, population density and crime statistics vary by ZIP code, so insurers assign different levels of risk to different ZIP codes and adjust rates accordingly. To illustrate the difference, Bankrate compared average rates for five of the largest Wyoming cities.

Average car insurance costs by age and gender in Wyoming

Factors like age and gender affect car insurance rates in Wyoming, though that is not the case in all states. On average, male drivers pay more than female drivers because they tend to engage in more risky driving behaviors. Young drivers also pay higher average rates. As you gain experience behind the wheel, your rates typically decrease, as shown in the tables below.

Cost considerations for young drivers in Wyoming

Although young drivers pay some of the highest average car insurance rates, they might save by remaining listed on their parents' car insurance policy. As you can see below, 18-year-old drivers listed on their parents' policy in Wyoming pay an average of 54 percent less compared to those who purchase their own car insurance policy.

How does driving record impact the cost of car insurance in Wyoming?

Your driving record can have a big impact on your auto insurance rates because it indicates how likely you may be to file a claim. Drivers with incidents like accidents and speeding tickets on their record typically see higher rates than drivers with clean records. DUIs are typically seen as one of the most severe incident types and nearly double average rates for Wyoming drivers.

Car insurance rates in Wyoming by credit score

Although not all states allow the use of credit history as an auto insurance rating factor, Wyoming does. If you're looking for ways to save on your Wyoming car insurance, improving your credit score may be an effective strategy.

Wyoming car insurance rates by vehicle type

Different vehicle makes and models have different parts and repair costs, safety features and theft rates. These differences impact insurance premiums for drivers. If you drive a vehicle with lower repair costs, high safety ratings and low theft rates, you will typically see lower car insurance rates.

Estimate your car insurance cost in Wyoming

Average rate data can give you an idea of what you might pay for auto coverage in Wyoming, but your actual rates may vary dramatically based on your personal rating factors, carrier selection and coverage choices. By inputting a few personal details in the tool below, you can get started with more personalized estimates.

How to save on car insurance in Wyoming

Although average Wyoming car insurance rates are below the national average, many drivers may still be looking for ways to save on their premium. If you're looking for the cheapest car insurance in Wyoming, you might consider the following strategies:

• Choose a higher deductible: Raising your deductible will typically lower your insurance premium, but be aware that experts advise you should comfortably be able to pay a higher deductible out of pocket before you adjust your rates.
• Discounts: Work with your insurance provider to find discounts that you might be eligible for. Most insurers allow you to combine popular discounts like multi-car discounts, safe driver discounts and good driver discounts.
• Comparison shopping: Each car insurance provider uses unique factors and algorithms to set rates, so you might get a cheaper premium by comparison shopping. Request quotes from several providers and use the same coverage types and amounts in order to make an even comparison and find the lowest rate.
• Remain accident and claims-free: Insurance providers reward safe drivers with lower insurance premiums. Many offer a claims-free discount for remaining claims-free for a certain amount of time. For instance, a provider might give you a discount if you haven’t had a ticket or filed a claim in the last three years.

Frequently asked questions

These are sample rates and should only be used for comparative purposes.