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Average cost of car insurance in Wyoming for 2023

The average annual cost of car insurance in Wyoming is $1,582 for full coverage and $263 for minimum coverage.

Updated Mar 28, 2023
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How much is car insurance in Wyoming?

The average cost of car insurance in Wyoming per year is $358 for minimum coverage and $1,292 for full coverage. Compared to the national averages of $622 and $2,104 for minimum and full coverage, respectively, Wyoming drivers pay significantly less than the national average. However, your rates may vary based on personal rating factors such as your age, gender, credit history, ZIP code, driving record and vehicle type.

Average minimum coverage premium in Wyoming Average annual full coverage premium in Wyoming
$263 $1,582
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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.

Wyoming city Average annual full coverage premium Percentage change from Wyoming average annual full coverage premium
Casper $1,516 -4%
Cheyenne $1,670 6%
Gillette $1,650 4%
Laramie $1,570 -1%
Rock Springs $1,514 -4%

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.

Age Average monthly full coverage premium in Wyoming Average annual full coverage premium in Wyoming
Age 16* $294 $3,530
Age 18 $435 $5,221
Age 20 $305 $3,659
Age 25 $164 $1,964
Age 30 $139 $1,664
Age 40 $136 $1,626
Age 50 $126 $1,511
Age 60 $121 $1,450
Age 70 $131 $1,571

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age Average monthly full coverage premium in Wyoming Average annual full coverage premium in Wyoming
Age 16* $247 $2,966
Age 18 $325 $3,895
Age 20 $238 $2,853
Age 25 $147 $1,760
Age 30 $130 $1,563
Age 40 $128 $1,537
Age 50 $122 $1,459
Age 60 $117 $1,407
Age 70 $130 $1,556

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied.

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 save an average of 37 percent compared to those who purchase their own car insurance policy.

Age Average annual premium for drivers on their parents' policy in Wyoming Average annual premium for drivers on their own policy in Wyoming
Age 16 $3,248 N/A*
Age 17 $3,070 N/A*
Age 18 $2,868 $4,558
Age 19 $2,477 $3,596
Age 20 $2,297 $3,256

*16- and 17-year-old drivers must be on their parents’ 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.

Driving incident Average annual full coverage premium in Wyoming Percentage increase from Wyoming average annual full coverage premium
Clean driving record $1,582 N/A
Speeding ticket $2,166 37%
Accident $2,141 35%
DUI $3,060 93%

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.

Credit tier Average annual full coverage premium in Wyoming Percentage change from Wyoming average annual full coverage premium
Poor $2,583 63%
Average $1,693 7%
Good $1,582 N/A
Excellent $1,323 -16%

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.

Vehicle Average annual full coverage premium in Wyoming
Toyota Camry $1,582
Ford F-150 $1,498
Honda Odyssey $1,384
BMW 330i $2,211
Toyota Prius $1,766

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: Choosing higher deductibles will likely lower your premium, but most insurance experts advise keeping your deductibles low enough that you could comfortably pay them out of pocket in the event of a claim. 
  • Discounts: Most car insurance companies offer at least a handful of discounts. From bundling discounts to safe driver savings, exploring potential discounts may help you easily save on your premium. 
  • Comparison shopping: Different car insurance companies use different rating algorithms to determine rates. For this reason, comparing quotes from various companies could show you which one offers the lowest rates for your circumstances.
  • Remain accident and claims-free: Tickets and accidents typically increase your car insurance rates. Maintaining a clean driving record, even if you already have a blemish on your record may help bring your rates down over time. 

Estimate your car insurance cost in Wyoming

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Written by
Mandy Sleight
Contributor, Personal Finance

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.

Edited by Editor, Insurance