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Average cost of car insurance in Wyoming for 2024

Updated Oct 01, 2024
The average annual cost of car insurance in Wyoming is $1,709 for full coverage and $260 for minimum coverage.
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How much is car insurance in Wyoming? 

The average annual cost of car insurance in Wyoming is $260 for minimum coverage and $1,709 for full coverage. Compared to the national averages of $664 and $2,388 for minimum and full coverage, respectively, Wyoming drivers pay significantly less than the national average. However, your rates will vary based on personal rating factors, such as your age, gender, credit history, ZIP code, driving record and vehicle type.

Key takeaways

  • Wyoming drivers pay an annual average of $260 for minimum coverage car insurance and $1,709 for full coverage — or $22 and $142 per month, respectively.
  • The average cost of auto insurance in Wyoming is about 27 percent less than the national average for full coverage and almost 59 percent less for minimum coverage.
  • Any traffic violation can raise your insurance premiums, but a DUI in Wyoming causes average rates to nearly double.

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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.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
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.

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.

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 16*
Avg. monthly full coverage premium in Wyoming
$315
Avg. annual full coverage premium in Wyoming
$3,775
Age 18
Avg. monthly full coverage premium in Wyoming
$434
Avg. annual full coverage premium in Wyoming
$5,210
Age 20
Avg. monthly full coverage premium in Wyoming
$327
Avg. annual full coverage premium in Wyoming
$3,921
Age 25
Avg. monthly full coverage premium in Wyoming
$173
Avg. annual full coverage premium in Wyoming
$2,077
Age 30
Avg. monthly full coverage premium in Wyoming
$146
Avg. annual full coverage premium in Wyoming
$1,758
Age 40
Avg. monthly full coverage premium in Wyoming
$143
Avg. annual full coverage premium in Wyoming
$1,715
Age 50
Avg. monthly full coverage premium in Wyoming
$133
Avg. annual full coverage premium in Wyoming
$1,591
Age 60
Avg. monthly full coverage premium in Wyoming
$127
Avg. annual full coverage premium in Wyoming
$1,529
Age 70
Avg. monthly full coverage premium in Wyoming
$139
Avg. annual full coverage premium in Wyoming
$1,664
Age 40
Avg. monthly full coverage premium in Wyoming
$143
Avg. annual full coverage premium in Wyoming
$1,715
Age 50
Avg. monthly full coverage premium in Wyoming
$133
Avg. annual full coverage premium in Wyoming
$1,591
Age 60
Avg. monthly full coverage premium in Wyoming
$127
Avg. annual full coverage premium in Wyoming
$1,529
Age 70
Avg. monthly full coverage premium in Wyoming
$139
Avg. annual full coverage premium in Wyoming
$1,664
*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 16*
Avg. monthly full coverage premium in Wyomng
$264
Avg. annual full coverage premium in Wyoming
$3,173
Age 18
Avg. monthly full coverage premium in Wyomng
$351
Avg. annual full coverage premium in Wyoming
$4,218
Age 20
Avg. monthly full coverage premium in Wyomng
$256
Avg. annual full coverage premium in Wyoming
$3,071
Age 25
Avg. monthly full coverage premium in Wyomng
$155
Avg. annual full coverage premium in Wyoming
$1,859
Age 30
Avg. monthly full coverage premium in Wyomng
$137
Avg. annual full coverage premium in Wyoming
$1,649
Age 40
Avg. monthly full coverage premium in Wyomng
$142
Avg. annual full coverage premium in Wyoming
$1,704
Age 50
Avg. monthly full coverage premium in Wyomng
$119
Avg. annual full coverage premium in Wyoming
$1,428
Age 60
Avg. monthly full coverage premium in Wyomng
$124
Avg. annual full coverage premium in Wyoming
$1,488
Age 70
Avg. monthly full coverage premium in Wyomng
$138
Avg. annual full coverage premium in Wyoming
$1,653
Age 40
Avg. monthly full coverage premium in Wyomng
$142
Avg. annual full coverage premium in Wyoming
$1,704
Age 50
Avg. monthly full coverage premium in Wyomng
$119
Avg. annual full coverage premium in Wyoming
$1,428
Age 60
Avg. monthly full coverage premium in Wyomng
$124
Avg. annual full coverage premium in Wyoming
$1,488
Age 70
Avg. monthly full coverage premium in Wyomng
$138
Avg. annual full coverage premium in Wyoming
$1,653
*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
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Bankrate’s take: Statistically, men are more likely to engage in risky driving behavior than women. This includes speeding, distracted driving and driving under the influence. This difference is more pronounced among young drivers, which is why young male drivers pay some of the highest average car insurance rates.

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 pay an average of 53 percent less compared to those who purchase their own car insurance policy.

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Age 16*
Avg. annual premium for drivers in WY
$3,474
Age 17
Avg. annual premium for drivers in WY
$3,291
Age 18
Avg. annual premium for drivers in WY
$3,072
Age 19
Avg. annual premium for drivers in WY
$2,644
Age 20
Avg. annual premium for drivers in WY
$2,450
*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 18
Avg. annual premium for drivers in WY
$4,714
Age 19
Avg. annual premium for drivers in WY
$3,868
Age 20
Avg. annual premium for drivers in WY
$3,496
*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 Avg. annual premium difference for drivers on their own policy
Age 18 53 percent more
Age 19 46 percent more
Age 20 43 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

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.

Clean driving record
Avg. annual premium* in Wyoming
$1,709
Percentage increase from Wyoming avg. annual premium*
0%
Avg. annual premium* in Wyoming
$2,330
Percentage increase from Wyoming avg. annual premium*
36%
Avg. annual premium* in Wyoming
$2,274
Percentage increase from Wyoming avg. annual premium*
33%
Avg. annual premium* in Wyoming
$3,293
Percentage increase from Wyoming avg. annual premium*
93%
*The table above compares driving records with different incidents and highlights how much, on average, these incidents tend to raise rates. *The rates reflected are for full coverage policies.

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.

Avg. annual premium* in Wyoming
$2,722
Percentage difference from Wyoming avg. annual premium*
59%
Average
Avg. annual premium* in Wyoming
$1,785
Percentage difference from Wyoming avg. annual premium*
4%
Avg. annual premium* in Wyoming
$1,709
Percentage difference from Wyoming avg. annual premium*
0%
Excellent
Avg. annual premium* in Wyoming
$1,398
Percentage difference from Wyoming avg. annual premium*
-18%
*Rates reflect full coverage policies.

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.

Avg. annual premium* in Wyoming
$1,709
Avg. annual premium* in Wyoming
$1,856
Avg. annual premium* in Wyoming
$1,439
BMW 330i
Avg. annual premium* in Wyoming
$2,198
Toyota Prius
Avg. annual premium* in Wyoming
$1,717
*Rates reflect full coverage policies.

Estimate your car insurance cost in Wyoming

Average rate data can give you an idea of what you might pay for auto coverage in Wyoming, but your actual rates may vary dramatically based on your personal rating factors, carrier selection and coverage choices. By inputting a few personal details in the tool below, you can get started with more personalized estimates.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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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: Raising your deductible will typically lower your insurance premium, but be aware that experts advise you should comfortably be able to pay a higher deductible out of pocket before you adjust your rates.
  • Discounts: Work with your insurance provider to find discounts that you might be eligible for. Most insurers allow you to combine popular discounts like multi-car discounts, safe driver discounts and good driver discounts.
  • Comparison shopping: Each car insurance provider uses unique factors and algorithms to set rates, so you might get a cheaper premium by comparison shopping. Request quotes from several providers and use the same coverage types and amounts in order to make an even comparison and find the lowest rate.
  • Remain accident and claims-free: Insurance providers reward safe drivers with lower insurance premiums. Many offer a claims-free discount for remaining claims-free for a certain amount of time. For instance, a provider might give you a discount if you haven’t had a ticket or filed a claim in the last three years.

Frequently asked questions

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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze October 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:

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40 year old
Single male and female driver
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2022 Toyota Camry
Primary vehicle
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Good credit score
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Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

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