Cheapest Auto Insurance in Wyoming (2025)

Wyoming has a low population density, which means its drivers pay low average premiums. Minimum coverage averages just $56 per month in the Equality State, while the national average is $104 per month. Your premium may be lower or higher than the average, depending on factors like your insurer, chosen coverage type and amount, age, driving history, vehicle type, and more, so it’s important to compare rates.

Here’s what you need to know to find cheap auto coverage in Wyoming.

3 of the cheapest car insurance companies in Wyoming

Finding the best Wyoming car insurance rates will depend on your situation and what type of coverage you’re looking for. To find the cheapest insurance, you should compare various insurers and review all aspects of coverage before deciding on one option. 

You can start by reviewing the top three options for cheap car insurance in Wyoming below.

Safeco

Foremost

Dairyland

How to get the cheapest car insurance in Wyoming

Wyoming has lower rates than many other states in the U.S., but you should always try to find the cheapest rate for the type of coverage you’re looking for. You can take a few steps to find competitive pricing:

• Bundle your policy. Many insurance companies offer a discount for bundling their auto insurance policy with another insurance product, such as homeowners insurance.

• Review potential discounts. When shopping for car insurance coverage in Wyoming, look at the discounts various insurance companies provide and ask about your eligibility. Companies tend to reward drivers for driving safely, installing vehicle safety features, and more.

• Drive safely. Because your driving history is a major factor influencing your car insurance rates, you should always aim to drive safely, keep within the speed limit, maintain focus, and avoid distractions. These habits can help you maintain a clean record.

Cheapest liability-only car insurance quotes in Wyoming

Liability coverage is typically the cheapest coverage you can buy. Every state except New Hampshire requires drivers to purchase a minimum amount of liability coverage. If you have a car accident, your liability insurance covers the property damage and bodily injury you cause the other driver and their passengers. It doesn’t pay for your medical expenses or vehicle damage.1

In Wyoming, drivers pay a monthly average of $56 for liability-only policies. You can find average rates from Wyoming insurers below.

Cheapest full-coverage car insurance quotes in Wyoming

Liability coverage is only the starting point of the coverage you can purchase as a driver. Because it doesn’t pay for your damage or injury, you may want to purchase additional coverage for more protection, especially if you’re driving a newer vehicle.

Full-coverage insurance includes liability, comprehensive, and collision insurance, which extends coverage to your vehicle. It’s a good idea to purchase full coverage if you want to reduce your risk and protect your finances. If you lease or finance your vehicle, your lender may even require it.

On average, Wyoming drivers pay $110 per month for full coverage. You can find the cheapest rates for full-coverage car insurance in Wyoming below.

Car insurance requirements in Wyoming

Most states, including Wyoming, have minimum auto insurance requirements that include liability insurance. In Wyoming, drivers must carry minimum amounts of bodily injury and property damage liability coverage.2

Wyoming is an at-fault, or tort, state, which means the driver responsible for an auto accident must cover the damages and injury they cause. You must have the following amounts of coverage in Wyoming:

You may want to get additional coverage to protect you and your vehicle. Here are some common optional coverages worth considering:

Cheapest car insurance in Wyoming by driving record

If you have an incident on your driving record in Wyoming, you may face increased insurance rates. An incident can include speeding tickets, at-fault accidents, and driving under the influence (DUI). While nearly all incidents will raise rates, exact prices largely depend on the type and severity of the incident.3

Because these incidents can cause property damage and bodily injury, your insurer will view you as a higher-risk driver and increase your rates accordingly.

For example, Wyoming drivers with a speeding ticket pay $95 on average for coverage, while a driver with a clean record pays $83 per month.

The table below shows how your rates can fluctuate based on your incident record.