Average Car Insurance Cost in Wyoming (2025)

Wyoming typically has cheaper car insurance than the rest of the U.S. Drivers in the Cowboy State pay an average of $83 per month for insurance, according to Insurify data. That’s compared to the U.S. national average of $144 per month.

Car insurance rates in Wyoming have stayed relatively low year after year for a variety of reasons. Wyoming has a low population density and one of the lowest rates of uninsured drivers in the U.S., which helps keep insurance costs affordable.1

How much is car insurance in Wyoming?

Drivers in Wyoming pay a monthly average of $56 for a liability policy and $110 for a full-coverage policy.

Wyoming’s state-minimum requirements cover property damage and bodily injury or death you cause in an accident.2 If you finance your car, your lender may require you to purchase coverage for your vehicle, too. In that case, the state minimum wouldn’t be enough coverage, and you’d need full-coverage insurance.

How Wyoming car insurance rates have changed over the past two years

The average price for full-coverage car insurance in Wyoming rose to $1,500 in 2024, but there were no significant rate spikes over the past few years. Full-coverage rates also rose nationally, though they remain more expensive than in Wyoming.

See how Wyoming car insurance prices have changed in the chart below.

Average Wyoming car insurance rates by city

Wyoming may have cheap car insurance on average, but rates can vary depending on where you live. Insurance companies consider your address when setting prices, and factors like severe weather and accident rates can affect how much you pay for coverage.

For example, there were 15 fatal car crashes in Cheyenne in 2024 — but only four in Jackson.3 People living in cities typically pay more for car insurance than people living in rural areas.4

Average Wyoming car insurance rates by age and gender

Your age and gender can affect your insurance costs, too. For example, a teen driver is more likely to cause an accident than a 50-year-old driver. And female drivers typically pay less for coverage than male drivers because male drivers are more likely to engage in high-risk driving behaviors.5

Average cost to insure popular vehicles in Wyoming

Wyoming lies at the center of the farm, ranch, and oil industries, so it’s no surprise that pickup trucks round out the most popular vehicles in Wyoming year after year.6 But trucks have different repair costs and safety features, which can affect how much you pay for car insurance.

How your driving record affects car insurance rates in Wyoming

You’ll pay more for insurance if you have infractions on your driving record.7 Speeding tickets and at-fault accidents will cause your rates to go up because insurance companies view you as a higher risk and more likely to file claims.

That’s especially true if you get a DUI. In addition to higher insurance rates, you may need to complete an alcohol treatment program or install a driver ignition interlock device before the state will reinstate your license.8

How to lower your insurance costs in Wyoming

The average cost of car insurance may have dropped in Wyoming over the past few years, but you can always try to save more money. Here are some tips to help you pay less for your car insurance: