Average cost of car insurance in Wyoming for 2021

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The average cost of car insurance in Wyoming is $271 for minimum coverage and $1,495 for full coverage, according to Bankrate’s 2021 study of quoted annual premiums. However, as the annual premiums were reviewed more closely, it revealed how much location, carrier, age and driving history have a direct impact on the amount you pay for car insurance. Wyoming may have the lowest numbers of licensed drivers in the country — only about 424,000 — but drivers in Wyoming should understand how the average cost of car insurance is determined.

How much does car insurance cost in Wyoming?

When you ask “how much will I pay for car insurance in Wyoming?” it is hard to give an exact answer. Although drivers in Wyoming on average pay $1,495 annually for full coverage, versus the national average of $1,674, comparing quotes from multiple carriers is the best way to ensure you are getting the lowest rates.

However, rates are influenced by factors both in and out of your control. Your age, zip code, driving record and coverage options are a handful of factors considered by each carrier. Other influences include the discounts you qualify for, the amount you choose for a deductible and even your credit score.

Wyoming car insurance rates by company

When you are evaluating your insurance options in Wyoming, one of the first considerations is likely the carrier you choose. Rates and coverage options from each carrier can vary quite a bit, which makes it more important to receive quotes from several.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Allstate $396 $1,675
Farmers $305 $1,309
Geico $189 $1,872
MetLife $232 $1,385
State Farm $233 $1,234

Wyoming car insurance rates by city

In addition to carriers, your zip code has a big influence on how much you pay for car insurance rates in Wyoming. Rates vary widely, as you can see with the Top 20 cities based on population in the state. While some areas may influence rates to go up, oftentimes your rates decrease based on where you live.

City Average annual premium for full coverage % increase from state average annual premium
Cheyenne $1,576 5%
Casper $1,442 -4%
Gillette $1,560 4%
Laramie $1,486 -1%
Rock Springs $1,441 -4%
Sheridan $1,410 -6%
Riverton $1,478 -1%
Cody $1,475 -1%
Evanston $1,452 -3%
Green River $1,437 -4%
Lander $1,486 -1%
Powell $1,475 -1%
Douglas $1,502 0%
Jackson $1,532 2%
Rawlins $1,421 -5%
Torrington $1,550 4%
Buffalo $1,468 -2%
Worland $1,490 0%
Pinedale $1,496 0%
Wheatland $1,550 4%

Wyoming car insurance rates by age

Age is a big factor when it comes to the average insurance rates in Wyoming. While you are unable to change this aspect, you can look forward to a possible drop in rates the older you become. Ages 18 and 20 pay the most, since they are no longer on their parent’s insurance policy, but rates tend to decrease once you turn 25.

Age Average annual premium in Wyoming
Age 16* $2,071
Age 18* $4,202
Age 20* $3,034
Age 25 $1,720
Age 30 $1,540
Age 40 $1,495
Age 50 $1,377
Age 60 $1,329
Age 70 $1,456

*16-year-old calculated on parent’s policy disclosure; 18- and 20-year-old are renters

Wyoming car insurance rates by driving record

A blemish on your driving record may be the biggest impact to car insurance rates in Wyoming. While a speeding ticket and accident drive rates up by over 30%, a DUI causes annual premiums to nearly double.

Driving incident Average annual full coverage premium in Wyoming % increase of average annual premium
Speeding ticket $2,005 34%
Accident $1,962 31%
DUI $2,824 88%

How to save on car insurance in Wyoming

Drivers have a wide variety of ways to save on car insurance rates in Wyoming. Strategies for saving on premiums may include:

  • Choose a higher deductible: The more you are willing to pay in out of pocket costs for collision or comprehensive claims, the lower your premiums.
  • Discounts: Be sure to ask about all available discounts. From bundling with a homeowners or renters policy to safe driving discounts, this is an excellent way to further save.
  • Comparison shopping: Comparing rates and features from several carriers is a great way to ensure you are getting both the lowest rates and the coverage options you want.
  • Remain accident and claims-free: Keeping your driving record as free from blemishes as possible is one of the best moves for receiving the lowest possible rates.

Frequently asked questions

How much car insurance do I need in Wyoming?

In addition to the minimum liability requirements, you should purchase the most coverage you can reasonably afford. This gives you greater financial protection if you are involved in an accident or your vehicle is damaged, plus it helps limit the amount you spend out of pocket, depending on the options you choose.

Can I switch auto insurance carriers at any time?

Yes, you are able to switch carriers if you find one with better rates, customer service or for whatever reason you choose. The only action you should be aware of is to wait and cancel your old policy after you have your new policy locked and in place. This keeps continuous protection so you do not have any gaps in coverage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Sara Coleman
Insurance Contributor
Sara Coleman has three years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor