Wyoming Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Wyoming car insurance averages about $161 a month ($1,936 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s 32% below the national average in our data. It’s higher than in Idaho but lower than in Colorado, Montana, Nebraska, South Dakota and Utah. Full-coverage averages statewide run from about $74 to $249 a month across the five major insurers we compared (Allstate, Farmers, GEICO, Safeco and State Farm).

Wyoming car insurance: key numbers

• Full coverage: about $161 a month ($1,936 a year)
• Liability only (25/50/20): about $30 a month
• Recent price change: 0.0% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Weston County (about $168 a month) and Sheridan County (about $156)

Where you live moves the price only a little in our data. Weston County, home to Newcastle, is the most expensive of the 18 counties we price, at about $168 a month for full coverage, followed by Teton County, home to Jackson ($167). At about $156, Sheridan and Carbon counties are the least expensive we price. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 27 Wyoming ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Sept. 30, 2026. Page reviewed Nov. 10, 2026.

What’s the Average Cost of Car Insurance in Wyoming per Month?

For full coverage, Wyoming drivers pay about $161 a month ($1,936 a year) on average. Liability-only coverage at the state minimum of 25/50/20 runs about $30 a month ($365 a year). Those figures are for a 40-year-old driver with a clean record and use the rates insurers had filed with state regulators as of Sept. 30, 2026.

Full coverage in Wyoming averages $1,936 a year, or about $161 a month, for our benchmark driver. Liability-only coverage at Wyoming’s 25/50/20 minimum averages $365 a year ($30 a month), and 50/100/50 liability with comprehensive and collision averages $1,940 ($162 a month).

• Full coverage (100/300/100, $500 deductibles): $1,936 a year ($161 a month)
• 50/100/50 with $500 deductibles: $1,940 a year ($162 a month)
• Liability only (25/50/20): $365 a year ($30 a month)
• Cheyenne: $1,893 a year ($158 a month) for full coverage
• Casper: $1,894 a year ($158 a month) for full coverage
• Gillette: $1,973 a year ($164 a month) for full coverage
• National average: $2,857 a year ($238 a month) for full coverage

How Wyoming Compares With Neighboring States

Wyoming’s average is about $108 a month below Colorado’s, $7 above Idaho’s, $17 below Montana’s, $63 below Nebraska’s, $33 below South Dakota’s and $82 below Utah’s. It’s the eighth-lowest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Wyoming: Companies Compared

• Full-coverage range: about $74 to $249 a month across the five insurers in our rate data, for the same driver and car.
• Liability only (25/50/20): about $15 to $58 a month across the five insurers.
• Also on our list: American National at about $75 a month for full coverage and USAA at $107 (USAA sells only to military families).
• Most expensive in our data: Allstate, at about $249 a month for full coverage.

Safeco’s Wyoming average, about $74 a month, is 40% below Farmers’ ($124), a lead wide enough that we show the range instead of naming a single cheapest insurer. The recent statewide Wyoming rate studies we reviewed most often rank American National cheapest for full coverage: five of the eight put it first (four of those five were published in 2026), and every study that includes American National ranks it first. For liability-only coverage at 25/50/20 limits, averages run from about $15 to $58 a month; the lowest is far enough below the other major insurers we compared that we don’t name a cheapest insurer for that coverage level.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.

See What You’d Pay in Wyoming

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How Wyoming’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past 10 months.

Are Car Insurance Rates Going Up in Wyoming?

No, for our benchmark driver. Comparing the same insurers in the same Wyoming ZIP codes, full coverage averaged $1,936 a year both 10 months earlier and in rates as of Sept. 30, 2026. Allstate’s, Farmers’, GEICO’s, Safeco’s and State Farm’s averages were unchanged. Averages for liability-only coverage at 25/50/20 limits didn’t change either.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Wyoming Car Insurance Costs

Wyoming’s full-coverage average is the eighth-lowest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• Small differences by place. All 21 Wyoming cities and towns we price average between $156 and $168 a month for full coverage. Cheyenne and Casper both average about $158, and Gillette $164.
• Big differences by insurer. Statewide, the five major insurers we compared run from about $74 to $249 a month for full coverage for the same driver and car, so the company you choose matters far more than your ZIP code in our data.
• Electronic insurance checks. Wyoming verifies coverage electronically for vehicles on personal policies, and driving uninsured is a misdemeanor with a fine of $500 to $1,500.

Wyoming Car Insurance Rates by City

Among the four cities with two or more ZIP codes in our data, Gillette is the most expensive, at $164 a month for full coverage, followed by Laramie at $163. Casper and Cheyenne are the least expensive of the four, at about $158 each. Across all 21 cities and towns we price, averages run from about $168 in Newcastle to $156 in Rawlins and Sheridan, a spread of about $12 a month.

The table lists all 21 Wyoming cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.

Wyoming City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Wyoming Car Insurance Rates by County

Weston County is the most expensive county in our data, at about $168 a month for full coverage, followed by Teton County ($167) and Campbell County ($164). The least expensive we price are Sheridan and Carbon counties (both $156) and Laramie and Natrona counties (both $158). We price 18 of Wyoming’s 23 counties.

Does Better Coverage Cost More in Wyoming?

Raising liability limits from 50/100/50 to 100/300/100 barely changes the average statewide in our data: with the same $500 deductibles, full coverage averages $1,936 a year and 50/100/50 averages $1,940. Across the five insurers, the change runs from $89 less a year (Allstate) to $48 more (Farmers). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Safeco charge less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Wyoming Car Insurance Rules at a Glance

What Car Insurance Is Required in Wyoming?

Wyoming drivers must carry liability insurance, according to the Wyoming Department of Transportation (WYDOT). The minimum is:

• $25,000 per person and $50,000 per crash in bodily injury liability.
• $20,000 in property damage liability.

Uninsured motorist coverage pays when you’re hurt by a hit-and-run driver or a driver who has no liability insurance, according to the Wyoming Department of Insurance. Our full-coverage prices include uninsured and underinsured motorist coverage at 100/300.

Wyoming checks insurance electronically for vehicles covered by personal policies, according to WYDOT, and since July 1, 2013, state law has let insurers issue electronic insurance ID cards as proof of insurance.

Driving without insurance is a misdemeanor: a fine of $500 to $1,500, up to six months in jail or both. For a second or later offense, the judge must also have your registration and plates turned in to the county treasurer until you’ve met your legal obligations, under the 2017 law that set those penalties.

After a crash, WYDOT checks each driver’s insurance online and contacts you by mail if it can’t verify yours. A driver who was uninsured at the time of the crash has the license suspended unless they file a release from the other parties or post security, according to the department’s crash procedures. An SR-22 is then required for three years from the start of the suspension, and reinstatement costs $50.

Wyoming uses modified comparative fault: you can recover damages if you’re 50% or less at fault, reduced by your share, and nothing if you’re more at fault than that, under W.S. 1-1-109.

How to Lower Your Car Insurance Rate in Wyoming

1. Quote several insurers. Statewide, the lowest and highest insurer averages are about $175 a month apart for the same driver and car.
2. Compare Safeco and American National first. They have the two lowest full-coverage averages among the insurers in our Wyoming table, about $74 and $75 a month.
3. Never let your coverage lapse. Driving uninsured in Wyoming is a misdemeanor with a fine of $500 to $1,500, up to six months in jail or both, under a 2017 state law.
4. Think twice before dropping to liability only. Wyoming averages more than 7,600 vehicle collisions with big game each year, according to Wyoming Game and Fish, and liability-only coverage won’t pay to repair your own car.
5. Know how credit is used. Under W.S. 26-2-134, Wyoming insurers can’t use your credit history as the only reason to cancel, deny or nonrenew a policy, and you must be told when credit is used against you.
6. Ask for an appraisal after a claim. The Wyoming Department of Insurance advises making sure your insurer bases the value of a damaged vehicle on an appraisal, and its Consumer Affairs staff take questions at 307-777-7402.
7. Compare at every renewal. Insurers change their rates on their own schedules, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
9. Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Wyoming and our home insurance guides for Casper and Cheyenne, then compare free home insurance quotes.

Compare Wyoming Car Insurance Quotes

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How We Calculated Wyoming Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.

• Sample: 135 full-coverage premiums from five insurers across 27 Wyoming ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Wyoming’s 25/50/20 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every major insurer we compared and at least half of the statewide rate studies we cite rank it cheapest.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Sept. 30, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from recent published Wyoming rate studies, scaled to our benchmark driver. They aren’t included in our averages.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Wyoming law and the Wyoming Department of Transportation. We refresh these figures when new rate data is released.

More Wyoming Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Wyoming Car Insurance Rates by County and Vehicle Type

In this analysis, an SUV is the least expensive vehicle type to insure and a coupe the most expensive in all 23 counties in that analysis. A coupe costs about 47% more than an SUV on average.

Wyoming Car Insurance FAQ