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Car Insurance in Wyoming: Rates, Minimums & How to Save (2026)
By ReliablePolicy Editorial Team
Wyoming has the cheapest minimum-coverage rates in the country — about $265 a year — and full coverage averages roughly $1,760, about 35% below the national average. Wyoming is an at-fault state with a 25/50/20 liability minimum. Here's the coverage you must carry, what residents pay, and how to save.
Avg. full coverage
$1,760/yr
≈35% below U.S. avg.
Avg. minimum coverage
$265/yr
Cheapest in the U.S.
State minimum
25/50/20
Liability only required
Fault system
At-fault (tort)
At-fault driver pays
vs. U.S. average
−35%
Among cheapest states
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Minimum coverage required in Wyoming
| Coverage | Required limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per person / per accident |
| Property damage liability | $20k | Required |
| Uninsured motorist | Optional | Offered; can be declined |
| Personal injury protection | Not required | Wyoming is an at-fault state |
State-mandated minimum coverages. Source: Bankrate, “Minimum Car Insurance Coverage Requirements by State.” Verify current limits with your state insurance department.
Average Wyoming premiums by coverage level
| Coverage level | Avg. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $1,760/yr | 35% below U.S. | Comp + collision included |
| Minimum coverage | $265/yr | 68% below U.S. | Cheapest minimum in the U.S. |
Source: Bankrate, “Car Insurance Rates by State” (2026). National averages: $2,697 full coverage / $841 minimum coverage. Independent market estimates, not quotes.
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Wyoming estimated rates by driver profile (2026)
Estimates anchor each profile to Wyoming's average full-coverage premium and apply national rate-increase multipliers from public data — not quotes from any carrier.
| Driver profile | Est. annual premium | vs. clean record | Basis |
|---|---|---|---|
| Clean record, 30–45 | ~$1,760/yr | Baseline | State full-coverage average |
| One at-fault accident | ~$2,517/yr | +43% | 1,760 × 1.43 (Bankrate avg) |
| Speeding ticket | ~$2,182/yr | +24% | 1,760 × 1.24 (Bankrate avg) |
| DUI on record | ~$3,309/yr | +88% | 1,760 × 1.88 (Bankrate avg) |
| Young driver (18–24) | ~$3,520/yr | ≈2× | Roughly double (Bankrate avg) |
| Poor credit score | ~$2,992/yr | +70% | 1,760 × 1.70 (Bankrate avg) |
Multipliers (national averages, full coverage): at-fault accident +43%, speeding +24%, DUI +88%, age 18–24 ≈ 2×, poor credit +70% (Bankrate). Actual premiums are set by carriers on your individual profile.
Wyoming: what helps and what hurts your rate
In your favor
- ✓Cheapest minimum-coverage rates in the country (~$265/yr)
- ✓Full coverage runs about 35% below the national average
- ✓Very low traffic density keeps urban-style claims rare
- ✓Competitive market with national and regional carriers
Works against you
- ✗Wildlife collisions and long rural distances raise claim severity
- ✗Harsh winters increase collision risk
- ✗Low 25/50/20 minimum leaves at-fault gaps
- ✗Credit history is a permitted rating factor
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A closer look at car insurance in Wyoming
Wyoming's rock-bottom pricing — the cheapest minimum in the country — makes full coverage easy to justify, since the gap to a minimum policy is small. Rural realities like wildlife strikes and winter conditions make comprehensive and collision coverage valuable, and the 25/50/20 minimum is low relative to repair costs. With credit and location still creating differences between carriers, a quick comparison can lower an already-cheap Wyoming premium further.
Bottom line
Wyoming is one of the most affordable states for car insurance, with the cheapest minimum rates in the country. Because full coverage costs little more than the minimum, most drivers should carry it — and compare a few carriers to push the rate lower.
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Frequently asked questions about Wyoming car insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, or endorsed by any insurance carrier or government agency. Coverage requirements change — always confirm current minimums with your state insurance department. Rate figures shown are independent market estimates based on publicly available data (primarily Bankrate) and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile.
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