Compare Wyoming Car Insurance Rates Online

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wyoming $48.08/mo.
National $89.17/mo.

Average Premiums

Wyoming is a driver’s paradise. On many of the interstates, the speed limit is 80. Yee-haw! It’s home to the most beautiful drive in America, the Beartooth Scenic Highway. And car insurance, for most folks, is pretty darn cheap.

But even if your current car insurance bill is affordable, you can probably do better. Check out’s step-by-step guide to saving money on Wyoming car insurance. Or, if you don’t have time to read all this right now, just start comparing free quotes to find the best deal!

What Are Wyoming’s Minimum Auto Insurance Requirements?

All Wyoming drivers are required to carry car insurance that meets the state’s minimum requirements. You’ll often see Wyoming state-minimum insurance abbreviated as 25/50/20, which means:

Uninsured motorist (UM) coverage is mandatory unless a customer waives it, so you’ll also see UM coverage included in state-minimum policies. Wyoming has a fairly low number of uninsured drivers — less than 8 percent. That still means about one out of every 12 drivers has no insurance, so it’s smart to carry uninsured/underinsured motorist insurance.

Is Wyoming Minimum Insurance Enough Or Should I Consider Full Coverage?

Wyoming’s minimum insurance limits may be enough to cover you for most accidents. Nationwide, the average auto liability claim for property damage was $3,683; the average auto liability claim for bodily injury was $16,110 — and both would be fully covered by Wyoming’s 25/50/20 limits.

However, you may want to buy more car insurance if:

  • You drive a new(ish) car: Unless your car’s a total beater, you’ll need comprehensive and collision coverage to protect it
  • You own a house or have savings: In Wyoming, people can sue you if you cause an accident and their injuries or property damage exceed your insurance limits; you definitely need enough liability insurance to protect your assets

Cheap Liability Coverage in Wyoming

Because Wyoming car insurance is generally affordable, chances are good that you can obtain cheap liability insurance. In WY, you need a minimum of 25/50/20 coverage for bodily injury and property damage liability. (Uninsured motorist (UM) coverage is also mandatory unless a customer waives it, so you’ll see it added to state-minimum liability policies.)

To find your lowest rate, just select “state minimum” when you’re comparing quotes. Then we’ll show you insurers’ rates for a cheap liability car insurance policy. Our 27-year-old sample driver in Cheyenne received quotes that ranged from $34 to $48 per month when she chose to pay up front (paying month-to-month will cost you a little more.)

How Do I Find the Cheapest Auto Insurance in Wyoming?

The good news is that Wyoming has the seventh-cheapest car insurance rates in the whole country, according to the Insurance Information Institute. But it still pays to shop around, because car insurance quotes from individual insurers vary widely. If you want the cheapest Wyoming insurance, you have to compare personalized quotes from different companies. makes it simple.

How Do I Find Affordable Coverage That Offers the Best Protection?

It’s so easy when you use! Finding the cheapest insurance that works for your life is as simple as comparing quotes from several companies for different levels of coverage.

As an example, we ran the numbers for a 27-year-old woman with a good driving record who’s shopping for auto insurance in Cheyenne. When she selects 25/50/20 state minimum coverage, her insurance quotes range from $34 to $48 per month when she chooses to pay her premiums up front. (She can save money in the long run paying up front; if she opts for pay-as-you-go insurance, her quotes range from $38 to $57 per month, plus a down payment.)

Elks Wyoming

Not bad! However, our Cheyenne driver needs more than the state minimum coverage, because she wants to protect her 5-year-old Accord with collision and comprehensive coverage. So she’ll compare quotes for Basic coverage, which has the same 25/50/20 limits but adds comprehensive and collision with a $1,000 deductible. Now, her insurance quotes range from $77 to $99 per month, paid up front (or $82-$114, paid month to month)

What if our driver owns her own home, or has a fat bank account? (Hey, we all can dream…) Then she’ll want to raise her liability limits. Plus-level insurance raises bodily injury and property damage liability to 50/100/50 (with the same limits for uninsured/underinsured motorist coverage).

In Wyoming, Plus coverage includes $2,000 in medical payments, which can pay your medical bills after an accident, no matter who was at fault. Her comprehensive/collision deductible also drops to $500, and towing/rental car coverage is added. Our Cheyenne driver’s quotes for Plus coverage range from $91 to $136 per month paid up front.

There’s one more thing you should know: you can tweak your coverage to be cheaper. If our Cheyenne driver clicks “customize coverage” and drops medical payments, towing and rental coverage, her best quote for Plus coverage decreases to $86 per month. Your Wyoming insurance quotes will be different, of course, but you see why it pays to compare.

What Are the Penalties For Driving Without Insurance In Wyoming?

The penalties for driving without insurance in Wyoming can be pretty severe. A first offense can mean a fine of $250-$750 and/or up to six months in jail. A second offense may result in a fine of $500 to $1,500 and/or up to six months in jail, as well as losing your registration and license plates.

Wyoming law does say that “excusable neglect or mistake by another is a defense for any violation” of the auto insurance law, but we wouldn’t count on a judge excusing you. Why take the risk, when can help you find cheap Wyoming car insurance in just minutes? Get started now.

What Extra Costs Come with Buying a Car in Wyoming?

If you’re in the market for a new or used car, you’ll need to budget for more than just the vehicle’s sticker price. You’ll be on the hook for basic DMV fees like title, license plate, and registration fees no matter where and how you purchase your new car, truck or SUV, as well as buying a new car insurance policy for your car. But some buyers will find themselves with additional fees such as sales tax, documentation fees, personal property tax, emissions and inspection fees, hybrid and electric vehicle fees, lien recording fees and a slew of other costs.

Check out’s comprehensive vehicle costs breakdown to make sure you account for all the added fees you might be on the hook for when buying a car in Wyoming.