Car Insurance in Wyoming
Wyoming requires drivers to carry at least 25/50/20 in liability coverage. As an at-fault state, the driver who causes a crash is responsible for the other party’s injuries and property damage.
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Wyoming at a glance
Data as of 2023Average cost
$948/yr
≈ $79/mo
vs U.S. average
-26%
below the national avg of $1,282/yr
Required minimums
25/50/20
BI / BI per accident / PD ($K)
Source: NAIC (2023). Annual average expenditure per insured vehicle.
Wyoming requires drivers to carry at least 25/50/20 in liability coverage. As an at-fault state, the driver who causes a crash is responsible for the other party’s injuries and property damage.
Wyoming insurers must offer uninsured motorist coverage at 25/50, which drivers can accept or decline in writing. Comparing carriers is the simplest way to find a competitive rate.
Wyoming minimum car insurance requirements
Wyoming requires $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 in property damage liability. Uninsured motorist coverage at 25/50 is included by default and can be waived in writing. Lenders require collision and comprehensive on financed vehicles.
Wyoming also requires uninsured motorist coverage at 25/50 unless rejected in writing.
How much does car insurance cost in Wyoming?
The average driver in Wyoming pays $948 per year for auto insurance — that's 26% below the U.S. national average of $1,282/yr. Lower-than-average rates often reflect lower traffic density, fewer claims per insured vehicle, or less stringent coverage requirements.
Wyoming vs the national average
26% below the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How Wyoming premiums have changed since 2019
Auto insurance costs in Wyoming have risen 22% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: Wyoming vs national average
Wyoming is up 22% from $777 in 2019 to $948 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A Wyoming policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in Wyoming
Driving uninsured in Wyoming can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. If you cause an accident while uninsured, you can also be held personally responsible for the other party's injuries and damage. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in Wyoming
Rates for the same driver can vary widely between insurers in Wyoming, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 29, 2026. Always confirm current minimums with your state’s Department of Insurance.
Wyoming car insurance FAQs
Common questions about auto insurance in Wyoming
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