Car insurance in Wyoming costs between $28 and $60 per month for minimum coverage and $93 to $131 per month for full coverage, making Wyoming one of the cheapest states for car insurance in the entire country. Wyoming ranks #1 nationally for the most affordable minimum liability coverage and #5 for full coverage, with full-coverage rates averaging $93 per month compared to the national average of $186 per month. Rates vary based on your age, driving history, credit score, city, and coverage level.
Wyoming drivers have access to some of the most affordable car insurance rates in the United States. According to Insurify’s 2026 data, the Equality State offers minimum coverage from as low as $28 per month and full coverage averaging $93 per month, roughly half the national average of $186 per month. While Wyoming’s low population density, minimal traffic congestion, and low vehicle theft rate all contribute to affordable premiums, drivers should be aware of unique risks like wildlife collisions and mountain weather that make comprehensive coverage especially worth considering.
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Here is an overview of current average rate ranges for Wyoming drivers across coverage types:
| Coverage Type | Monthly Rate Range | Annual Rate Range |
|---|---|---|
| Minimum / Liability Only | $28 – $60/mo | $336 – $720/yr |
| Full Coverage | $75 – $131/mo | $900 – $1,572/yr |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Wyoming’s low insurance costs stem from several structural advantages: the state has no major metro areas with high traffic density, one of the lowest vehicle theft rates in the nation, and relatively few accidents per driver mile in rural regions. Full coverage in Wyoming averages $93 per month, compared to $186 per month nationally, making it one of the best-value states for comprehensive auto insurance protection.
All Wyoming drivers are legally required to carry the following minimum liability coverage:
| Coverage Type | Minimum Requirement |
|---|---|
| Bodily Injury Liability (per person) | $25,000 |
| Bodily Injury Liability (per accident) | $50,000 |
| Property Damage Liability | $20,000 |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Wyoming does not require uninsured or underinsured motorist coverage by law, but insurance experts strongly recommend adding it, Wyoming’s uninsured driver rate means there is a meaningful chance the other driver in a collision lacks coverage. Comprehensive and collision coverage are also not legally required but are often mandated by auto lenders and recommended given Wyoming’s wildlife collision risk.
Wyoming is served by a wide range of national insurers. Here are the most affordable options based on 2026 rate data:
| Company | Min. Coverage Range | Full Coverage Range | Best For |
|---|---|---|---|
| GEICO | $18 – $35/mo | $90 – $120/mo | Cheapest minimum liability; young drivers |
| American National | $25 – $45/mo | $98 – $130/mo | Cheapest full coverage overall; drivers with DUI |
| USAA | $17 – $30/mo | $94 – $118/mo | Military members, veterans, and their families |
| State Farm | $30 – $55/mo | $112 – $145/mo | Clean-record drivers; customer service ratings |
| Farmers | $35 – $60/mo | $115 – $155/mo | Bundling home and auto; drivers with tickets |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
USAA is available to active military members, veterans, and eligible family members only. Rates are approximate ranges and vary by driver profile.
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Wyoming rates are relatively consistent across the state due to the absence of major urban centers. However, city-to-city variation still exists based on local accident rates, traffic, and weather exposure.
| City | Avg. Monthly Range (Full Coverage) | vs. State Average |
|---|---|---|
| Casper | $90 – $125/mo | Near to Above Average |
| Cheyenne | $85 – $120/mo | Near Average |
| Laramie | $75 – $108/mo | Near Average |
| Gillette | $70 – $100/mo | Near to Below Average |
| Rock Springs | $70 – $100/mo | Near to Below Average |
| Sheridan | $65 – $95/mo | Below Average |
| Jackson | $90 – $130/mo | Above Average (resort/high-traffic area) |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Even in one of America’s most affordable insurance states, your individual profile can push rates significantly above or below the statewide average. Here is how key factors compare:
| Driver Profile | Avg. Monthly Range | Avg. Annual Range | vs. Clean Record |
|---|---|---|---|
| Teen Driver (16–19) | $120 – $220/mo | $1,440 – $2,640/yr | 2–3x higher |
| Young Adult (20–25) | $80 – $130/mo | $960 – $1,560/yr | 1.3x higher |
| Adult Driver (30–55) | $50 – $93/mo | $600 – $1,116/yr | Baseline |
| Senior Driver (65+) | $60 – $110/mo | $720 – $1,320/yr | Slightly higher |
| After 1 At-Fault Accident | $75 – $130/mo | $900 – $1,560/yr | +30–45% |
| After a DUI | $130 – $200/mo | $1,560 – $2,400/yr | +100–115% |
| After a Speeding Ticket | $100 – $165/mo | $1,200 – $1,980/yr | +67–107% |
| Poor Credit Score | $110 – $180/mo | $1,320 – $2,160/yr | 2–3x higher |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Wyoming requires an SR-22 certificate for drivers who have been convicted of certain serious violations. An SR-22 is not insurance itself — it is a certificate filed by your insurer with the Wyoming Department of Transportation (WYDOT) to confirm you carry at least the state’s minimum required coverage.
Wyoming also requires an Ignition Interlock Device (IID) for any driver with a blood alcohol content (BAC) of 0.15% or higher, even on a first DUI offense. The IID is installed on the vehicle and requires the driver to pass a breathalyzer test before starting the engine. This is in addition to the SR-22 requirement and the higher insurance rates that follow a DUI conviction.
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A DUI conviction in Wyoming raises full-coverage car insurance rates by an average of 100–115%, based on Insurify 2026 data. This means monthly premiums can jump from the $75–$93/mo baseline to $130–$200/mo after a DUI. The SR-22 filing itself typically costs $15–$50 as a one-time fee from your insurer, but the underlying rate increase is the larger financial impact. The SR-22 requirement in Wyoming typically lasts three years, during which you must maintain continuous coverage.
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Wyoming car insurance costs between $28 and $60 per month for minimum coverage and $75 to $131 per month for full coverage, based on 2026 Insurify data. The statewide average is $50 per month for minimum coverage and $93 per month for full coverage. Wyoming ranks #1 in the country for the most affordable minimum liability car insurance and #5 for full coverage affordability.
Wyoming requires drivers to carry: $25,000 per person in bodily injury liability; $50,000 per accident in bodily injury liability; and $20,000 per accident in property damage liability. Wyoming does not legally require uninsured motorist, comprehensive, or collision coverage, though all three are strongly recommended given Wyoming’s wildlife collision risk and rural driving conditions.
Yes, Wyoming is one of the cheapest states in the country for car insurance. According to Insurify’s 2026 data, Wyoming ranks #1 nationally for the lowest minimum coverage rates (averaging $50/mo) and #5 for full coverage (averaging $93/mo), compared to the national average of $186/mo for full coverage. Low population density, minimal traffic, and low vehicle theft rates all contribute to Wyoming’s affordable premiums.
Based on 2026 Insurify data, GEICO offers the cheapest minimum coverage in Wyoming from $18 per month, while American National offers the most affordable full coverage at around $98 per month. USAA is the most affordable option for eligible military members, veterans, and their families, with minimum rates from $17 per month. Comparing multiple quotes is the best way to find your lowest rate.
A DUI conviction in Wyoming raises car insurance rates by an average of 100–115%, based on 2026 Insurify data. Full coverage premiums can jump from the $75–$93/mo average to $130–$200/mo after a DUI. Wyoming also requires SR-22 filing and, for drivers with a BAC of 0.15% or higher, an Ignition Interlock Device (IID). The SR-22 requirement typically lasts three years.
No, Wyoming only requires minimum liability coverage by law. However, comprehensive coverage is strongly recommended for Wyoming drivers due to the state’s high rate of deer and wildlife collisions, severe winter weather, hail storms, and high-speed rural roads. If your vehicle is financed or leased, your lender will typically require comprehensive and collision coverage regardless of state law.
An SR-22 in Wyoming is a certificate of financial responsibility filed by your insurance company with the Wyoming Department of Transportation (WYDOT). It confirms that you carry at least the state minimum required car insurance. SR-22 is required after serious violations including DUI, driving without insurance, reckless driving, and license suspension. The SR-22 requirement in Wyoming typically lasts three years.
Driving without insurance in Wyoming can result in fines up to $750 for a first offense, up to 6 months in jail, license suspension with a $50 reinstatement fee, and an SR-22 filing requirement. Repeat offenses carry fines of up to $15,000 and revocation of your license and vehicle registration.
Wyoming’s car insurance is affordable for several structural reasons: it has no major metropolitan areas with high traffic density, one of the lowest vehicle theft rates in the U.S., relatively low accident frequency on rural roads, and a small total driving population. These factors result in fewer claims per driver, which keeps premiums well below the national average. Wyoming full coverage averages $93/mo vs. the national average of $186/mo (Insurify 2026).
Explore state-by-state car insurance trends to understand where drivers pay less on average.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
