Car Insurance in Wyoming
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Introduction: Car Insurance in Wyoming
Wyoming has over 600,000 licensed drivers, making car insurance an essential requirement for residents. Whether you’re commuting in Cheyenne, driving through Casper, or navigating rural highways, car insurance in Wyoming is legally required and provides financial protection.
Wyoming has some of the lowest car insurance rates in the country. According to the National Association of Insurance Commissioners (NAIC), the average annual cost of full coverage in Wyoming is $1,339, which is well below the national average of $1,674.
Wyoming Car Insurance Requirements (State Laws & Minimum Coverage)
Minimum Liability Coverage (25/50/20 Rule)
According to the Wyoming Department of Insurance (DOI), drivers must carry at least:
✔ $25,000 for bodily injury per person
✔ $50,000 for bodily injury per accident
✔ $20,000 for property damage per accident
Why Minimum Coverage May Not Be Enough:
- Medical expenses from an accident can exceed $25,000 per person.
- Vehicle repair costs often surpass $20,000, especially for newer models.
- Wyoming has a high number of uninsured drivers, making Uninsured/Underinsured Motorist (UM/UIM) coverage highly recommended.
Recommended Full Coverage for Better Protection
Many Wyoming drivers opt for full coverage, which includes:
| Coverage Type | What It Covers | Recommended For |
|---|---|---|
| Collision Coverage | Pays for damage to your car in an accident | Drivers with new or financed vehicles |
| Comprehensive Coverage | Covers theft, vandalism, and weather damage | Essential due to Wyoming’s harsh winters and wildlife risks |
| Uninsured/Underinsured Motorist (UM/UIM) | Covers injuries from uninsured drivers | Important for financial protection |
| Medical Payments Coverage (MedPay) | Covers medical expenses regardless of fault | Beneficial for drivers without health insurance |
Average Cost of Car Insurance in Wyoming
Car insurance rates in Wyoming vary based on location, driving history, and vehicle type. Below is an average cost breakdown:
Wyoming Car Insurance Cost by Coverage Type
| Coverage Type | Average Annual Cost |
|---|---|
| Minimum Liability | $632 |
| Full Coverage | $1,339 |
Car Insurance Costs by Major Wyoming Cities
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Cheyenne | $750 | $1,600 |
| Casper | $720 | $1,550 |
| Laramie | $700 | $1,500 |
| Gillette | $730 | $1,580 |
| Rock Springs | $710 | $1,540 |
| Sheridan | $720 | $1,560 |
| Green River | $690 | $1,480 |
| Evanston | $680 | $1,460 |
| Riverton | $700 | $1,500 |
| Cody | $720 | $1,540 |
Car Insurance Costs by Age Group
| Age Group | Minimum Coverage | Full Coverage |
|---|---|---|
| 16–19 Years | $3,500 – $5,500 | $6,500 – $8,500 |
| 20–24 Years | $1,800 – $2,700 | $3,800 – $5,200 |
| 25–34 Years | $1,100 – $1,800 | $2,800 – $3,800 |
| 35–44 Years | $950 – $1,500 | $2,500 – $3,500 |
| 45–54 Years | $900 – $1,400 | $2,300 – $3,200 |
| 55+ Years | $850 – $1,300 | $2,000 – $3,000 |
✔ Teen Drivers (16-19 Years): Pay the highest premiums due to inexperience and higher accident risks. Many insurers offer good student discounts to help lower costs.
✔ Young Adults (20-24 Years): Rates decrease as driving experience improves but remain higher than mid-age drivers.
✔ Mid-Age Drivers (25-49 Years): Experience the lowest insurance premiums due to lower accident risks and a longer driving history.
✔ Senior Drivers (70+ Years): Rates increase again as older drivers face higher accident risks due to slower reaction times and medical conditions.
Factors Affecting Car Insurance Rates in Wyoming
Several factors influence car insurance rates in Wyoming, including:
- Severe Weather Risks: Snowstorms, hail, and icy roads increase accident risks.
- Driving Record: Accidents, DUIs, and traffic violations significantly impact rates.
- Location: Urban areas like Cheyenne and Casper have higher rates due to congestion and theft.
- Credit Score: Wyoming insurers use credit history to determine premiums.
- Annual Mileage: Higher mileage increases accident risk and premiums.
- Vehicle Type: Luxury and high-performance vehicles cost more to insure.
- Wildlife Collisions: Wyoming has one of the highest rates of deer and wildlife-related accidents in the U.S.
Best Car Insurance Companies in Wyoming (2025)
Finding the right insurer depends on affordability, coverage, and customer satisfaction. Here are some top options:
| Company | Best For | Average Annual Cost (Full Coverage) |
|---|---|---|
| GEICO | Cheapest Rates | $1,300 |
| State Farm | Best for Customer Service | $1,350 |
| Progressive | Best for High-Risk Drivers | $1,500 |
| Allstate | Best Full Coverage Options | $1,650 |
| USAA (Military Families) | Lowest Rates for Military | $1,200 |
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FAQs
Wyoming law requires 25/50/20 liability coverage: $25,000 per person for injuries, $50,000 per accident, and $20,000 for property damage.
The average minimum coverage costs around $53 per month, while full coverage averages $112 per month.
Smaller cities like Evanston and Green River tend to have lower rates compared to Cheyenne and Casper.
No, Wyoming does not require uninsured motorist coverage, but it is highly recommended.
Yes, but high-risk drivers may face higher premiums. Defensive driving courses and shopping around can help lower costs.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.