Average cost of car insurance in Wyoming for 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.

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.

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.

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.

*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.

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.

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.

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. 

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Frequently asked questions