Wyoming Car Insurance Quotes & Average Rates
Full coverage car insurance in Wyoming is estimated at $1,635 a year, or $136 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $392 a year. Wyoming is an at-fault state, and drivers must carry 25/50/20 liability limits. Below you will find estimated rates for 6 Wyoming cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Wyoming
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Wyoming
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,243 | $104 | -24% | Military members and families only |
| Geico | $1,341 | $112 | -18% | Usually cheapest for clean records |
| State Farm | $1,439 | $120 | -12% | Strong for young and student drivers |
| Progressive | $1,553 | $129 | -5% | Competitive after a ticket or accident |
| Travelers | $1,586 | $132 | -3% | Good multi-policy discounts |
| Nationwide | $1,635 | $136 | 0% | Mid-market, wide availability |
| Allstate | $1,864 | $155 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $1,978 | $165 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Wyoming. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Wyoming car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $4,417 | $1,060 | $368 |
| 18 years old | $3,726 | $894 | $311 |
| 20 years old | $3,085 | $740 | $257 |
| 22 years old | $2,563 | $615 | $214 |
| 25 years old | $1,956 | $469 | $163 |
| 30 years old | $1,686 | $405 | $140 |
| 40 years old | $1,585 | $380 | $132 |
| 50 years old | $1,517 | $364 | $126 |
| 60 years old | $1,501 | $360 | $125 |
| 65 years old | $1,568 | $376 | $131 |
| 70 years old | $1,720 | $413 | $143 |
| 75 years old | $2,006 | $482 | $167 |
Estimated premiums by age in Wyoming, clean record, sedan.
How violations change your Wyoming premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,635 | — |
| 1 speeding ticket | $2,012 | +23% |
| 1 at-fault accident | $2,404 | +47% |
| DUI / DWI | $3,091 | +89% |
What a violation costs a 35-year-old in Wyoming. Surcharges normally stay on the policy for three to five years.
A DUI in Wyoming usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Wyoming minimum insurance requirements
| Required coverage in Wyoming | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $20,000 |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Wyoming Department of Insurance before you buy.
Coverage levels in Wyoming
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $392 | $33 |
| Full coverage (100/300/100 + comp & collision) | $1,635 | $136 |
| Full coverage, high limits + low deductible | $1,946 | $162 |
Coverage level comparison for Wyoming.
Car insurance rates in Wyoming cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 6 Wyoming cities we price.