Cheap Auto Insurance in Wyoming 2025 (Earn Savings With these 10 Companies)

USAA, Liberty Mutual, and State Farm offer the cheapest auto insurance in Wyoming, with rates starting at $13 a month. Getting cheap auto insurance in Wyoming is essential, whether you’re in Cheyenne or on rural roads.

With 98,000+ square miles and under 600,000 residents, Wyoming drivers log more miles than any other state. Wyoming’s wide roads and sparse population require affordable auto insurance.

Our Top 10 Company Picks: Cheap Auto Insurance in Wyoming

Comparing quotes from top providers helps you find the cheapest deal. USAA offers the lowest rates, especially for military families, and has strong coverage across the state.

Just enter your ZIP code to compare up to 10 free auto insurance quotes from the leading providers in your area.

#1 – USAA: Top Overall Pick

Pros

• Affordable Rates: USAA offers some of the cheapest auto insurance rates, especially for military members and their families. Learn more in our USAA auto insurance review.
• Military-Specific Coverage: Provides unique options like $75 a day vehicle storage discounts during deployment and coverage during international assignments.
• 97% Claims Satisfaction: Known for high customer satisfaction and quick claims processing, ensuring reliable coverage for Wyoming drivers.

Cons

• Eligibility: Access is limited to military members, veterans, and their families, restricting availability for other Wyoming residents.
• Availability: Fewer physical branch locations in Wyoming, which may make in-person service less convenient.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#2 – Liberty Mutual: Best for Customizable Polices

Pros

• Build-Your-Own Coverage: Offers 12 optional add-ons including $0 deductible glass repair and custom parts coverage up to $5,000. Learn more in our Liberty Mutual company review.
• Discount Variety: Features 17 different discounts including 10% for teaching profession and 12% military discount for Wyoming residents.
• Robust Digital Tools: It provides a user-friendly app for policy management and quick claim submissions, making it convenient for Wyoming drivers.

Cons

• Conflicting Claims Reviews: A few policyholders have expressed dissatisfaction with the claims process.
• Limited Agent Support: This relies heavily on digital tools, which may not offer the personalized agent experience some drivers prefer.

#3 – State Farm: Best for Many Discounts

Pros

• Wyoming Agent Network: Maintains 37 local agents across the state, with at least one office within 30 miles of 92% of residents.
• Competitive Local Rates: Average premium of $105 per month in Wyoming, 5.4% below the state average.
• Financial Strength: Ensures reliable claims handling due to its solid financial foundation. Read more in our full review of State Farm’s auto insurance.

Cons

• Limited Discount Selection: Offers only 8 discount categories versus competitors’ average of 12-15 options.
• Dated Mobile Experience: App rated 3.2/5 stars, featuring fewer self-service options than competitors’ 4.5+ rated platforms.

#4 – Travelers: Best for Accident Forgiveness

Pros

• Clean Record Pricing: Wyoming drivers with spotless records pay an average of $97 a month, 12.6% below state average.
• Numerous Coverage Choices: Travelers offers a range of coverage choices, such as collision and comprehensive coverage. For more information, read our Travelers company review.
• Substantial Bundle Savings: Homeowners save an average of 22% when combining policies, the highest bundle discount in Wyoming.

Cons

• Claims Satisfaction Below Average: Some customers report dissatisfaction with the claims process.
• Limited Local Presence: Only 5 in-person agents serving Wyoming, with most customer service routed to out-of-state call centers.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#5 – Progressive: Best for Innovative Programs

Pros

• Reasonably priced rates: Progressive is renowned for providing affordable rates, particularly for high-risk drivers. Our complete Progressive review goes over this in more detail.
• Snapshot Savings: Usage-based program provides average Wyoming discounts of $186 annually with top safe drivers saving up to $325.
  
• Multi-Policy Discounts: Average 21% savings when bundling auto with home/renters insurance, with additional 5% for adding RV coverage.

Cons

• Higher Rates for Clean Records: Safe Wyoming drivers pay approximately 12% more than state average for similar coverage limits.
• Average Claims Experience: 73% satisfaction rate for Wyoming claims versus industry average of 85%.

#6 – Geico: Best for Custom Plan

Pros

• Government Savings: Federal workers in Wyoming save an average of 18% on premiums versus standard rates. Learn more about its rates in our Geico auto insurance company review.
• Diverse Discount Programs: Offers 16 distinct discount categories including 15% for military and 7% for federal employees common in Wyoming.
• Fast Claims Response: 87% of Wyoming claims receive initial response within 24 hours, with settlements averaging 6.3 days.

Cons

• Limited In-Person Support: No dedicated Wyoming offices, with nearest physical locations in neighboring Colorado and Utah.
• Inconsistent Customer Service: Wyoming customers report 72% satisfaction rate versus 85% industry average in recent surveys.

#7 – American Family: Best for Student Savings

Pros

• Safe Driver Incentives: Clean record discounts average 17% for Wyoming drivers, with 5-year safe driving history earning up to 25% off.
• Discount Opportunities: Offers significant savings with discounts for bundling home and auto insurance, safe driving, and more, ideal for those seeking cheap coverage in Wyoming.
• Strong Local Agent Support: Wyoming drivers benefit from personalized support through the American Family’s local agent network.

Cons

• Limited Online Tools: Less advanced digital platforms may hinder online policy management for tech-savvy users.
• Restricted Discount Availability: Some discounts may not apply in Wyoming, limiting savings opportunities. Find out more about its discounts in our American Family review.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#8 – Nationwide: Best for Usage Discount

Pros

• Variety of Coverage: Nationwide provides various coverage choices, such as vanishing deductibles and accident forgiveness. You can learn more in our Nationwide auto insurance review.
• Annual Policy Reviews: “On Your Side” assessments identify an average of $157 in potential savings for Wyoming customers each year.
• Superior Financial Security: $46.7 billion in assets and A+ ratings from all major agencies ensure claim payment capability regardless of circumstance.

Cons

• Mid-Range Pricing Structure: Wyoming rates average $118 a month, approximately 6% higher than the state median.
• Limited State Coverage: Available in only 12 of Wyoming’s 23 counties, excluding many rural drivers.

#9 – Farmers: Best for Local Agents

Pros

• 24/7 Wyoming Claims Team: Dedicated regional adjusters respond to claims within 4.3 hours on average. Read our Farmers Insurance company review to learn more.
• Numerous Coverage Options: Farmers offers a variety of coverage options, including unique add-ons like rideshare and new auto replacement insurance for Wyoming drivers.
• First Accident Waiver: Program prevents rate increases after initial accidents for Wyoming policyholders with 3+ years of clean driving history.
  

Cons

• Premium Price Point: Wyoming rates average $129 a month, approximately 16% above state average.
• Limited Rural Coverage: Service available in only 17 of Wyoming’s 23 counties, with restricted options in less populated areas.

#10 – Allstate: Best for Add-on Coverages

Pros

• Substantial Safe Driver Savings: Drivewise program participants in Wyoming save an average of $210 annually. Read more about this provider in our Allstate auto insurance review.
• Strong Agent Presence: 23 local offices throughout Wyoming with average appointment availability within 1.2 business days.
  
• Satisfaction Guarantee: Offers $100 credit if customers are dissatisfied with claims process, utilized by less than 2% of Wyoming claimants.

Cons

• Higher Premium Structure: Wyoming rates average $135/month, approximately 22% above the state median.
• Mixed Claims Feedback: 75% customer satisfaction rating versus 85% industry average according to recent J.D. Power studies.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Auto Insurance Companies in Wyoming

If you’re wondering, “How much does car insurance cost in Wyoming?” Prices vary; the higher coverage means higher premiums but better protection.

The auto insurance market can be confusing, but we provide clear, unbiased information. We make it easy to compare providers and secure cheap auto insurance in Wyoming.

Wyoming Auto Insurance Monthly Rates by Provider & Coverage Level

Use the table above to compare monthly rates by provider and coverage level to find affordable, reliable auto insurance in Wyoming. To drive legally in the state, all drivers must carry at least the minimum Wyoming car insurance requirements:

• $25,000 for the injury or death of one person in an accident caused by the owner/driver
• $50,000 for total injuries or death in an accident caused by the owner/driver
• $20,000 for property damage in one accident caused by the owner/driver

These limits are designed to cover costs if you’re at fault in an accident, but drivers should consider higher coverage to avoid out-of-pocket expenses. Start comparing to get the cheapest auto insurance coverage option at the lowest price.

Basic Auto Insurance Coverage in Wyoming

Auto insurance can be complex, but we make it simple. This guide covers cheap auto insurance companies in Wyoming, including coverage options, rates, and add-ons. Basic auto insurance coverage in Wyoming typically includes liability insurance, which pays for injuries and property damage you cause to others in an accident.

While drivers often search for cheap auto insurance, it’s important to know what optional protections are available to enhance your policy. Common auto insurance add-ons in Wyoming include:

• Roadside Assistance: A great addition to cheap auto insurance in Wyoming, this covers things like towing, jump-starts and flat tire help when your car breaks down.
• Rental Car Reimbursement: Pays for a rental car while your car is being repaired after an accident, so you’re not out of commission.
• Gap Insurance: Especially useful if you have a loan or lease, gap insurance covers the difference between your car’s value and what you still owe if it’s totaled.
• Uninsured/Underinsured Motorist Coverage: Protects you if you’re hit by a driver with little or no insurance, a must-have when trying to have affordable yet full coverage in Wyoming.
• Medical Payments Coverage (MedPay): Pays for medical bills for you and your passengers after an accident, no matter who’s at fault, so you can have peace of mind.

With average Wyoming car insurance costs around $1,250 per year, evaluating both core coverage and add-ons can help you build a well-rounded, affordable policy.

Factors Affecting Auto Insurance Rates in Wyoming

When it comes to the average cost of car insurance in Wyoming, men and women typically pay similar rates, especially between the ages of 35 and 60. However, teenage drivers, particularly 17-year-old males, see significantly higher premiums due to their high-risk profile.

Wyoming Auto Insurance Monthly Rates by Provider, Age, & Gender

In some states, women pay more. These figures highlight how age and gender are factors that affect auto insurance rates, which is especially important when shopping for cheap car insurance in Wyoming or comparing car insurance quotes in Wyoming.

Wyoming Car Insurance Rates by Driving Record

Your driving history plays a critical role in determining your rate. A clean record can help you qualify for cheap car insurance in Wyoming, while speeding tickets, accidents, and DUIs often push drivers into high risk insurance categories with elevated rates.

Wyoming Auto Insurance Monthly Rates by Provider & Driving Record

Fewer accidents typically lead to lower rates, while speeding violations, DUIs, and accidents may increase your premiums. Maintaining a clean record could save you hundreds annually on your Wyoming car insurance.

Wyoming Auto Insurance Rates by Commute Distance

Wyoming’s expansive geography means many residents have long commutes, especially in areas prone to harsh weather. This can affect insurance costs based on your daily mileage.

Wyoming Commute Distances Auto Insurance Monthly Rates by Provider

Consider relocating closer to your workplace. Choosing to live closer to work or reducing your commute can be a smart way to lower your Wyoming car insurance premiums.
Read more: Is it a bad idea to set your auto insurance miles too low?

Wyoming Car Insurance Rates by Credit Score

In Wyoming, auto insurers can use your credit score to determine your rate. A higher score typically means lower premiums, while a lower score may result in higher rates.

We’ve created a chart to show how your credit score affects your car insurance premiums, specifically how full coverage insurance costs vary by company and credit score.

Wyoming Auto Insurance Monthly Rates by Provider & Credit Score

Wyoming’s average credit score is 678, and residents hold 2.81 credit cards with an average balance of $6,245.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

The Largest Companies’ Financial Rating

Check each company’s A.M. Best financial rating when shopping for cheap auto insurance in Wyoming. These ratings reflect financial strength and reliability.
Wyoming Auto Insurance Providers by Market Share

The table above lists A.M. Best scores for the ten largest auto insurers in Wyoming. The letter grades in financial ratings follow a traditional scale, with A being higher and B being lower.

Plus and minus signs reflect financial strength. The strongest providers have the highest grades and the most plus signs. Wyoming’s top insurers all hold strong ratings, ranging from A to A++.

Number of Insurers by State

The largest insurers in Wyoming operate nationwide and are called ‘foreign’ providers. ‘Domestic insurers operate only in Wyoming.

Number of Property & Casualty Insurance Companies in Wyoming

To determine what kind of auto insurance you really need, it’s important to compare auto insurance companies and choose one that best meets your coverage needs and budget.

Companies with Best Customer Service Ratings

Financial strength helps assess a company’s reliability, but it’s not the only factor. Choose a provider with strong customer service and cheap auto insurance options.

According to findings by J.D. Power, some companies are better at customer service than others. In the Northwest region, which includes Wyoming, Washington, Idaho, Montana, and Oregon, PEMCO has the highest customer satisfaction ratings.

Companies With the Most Complaints in Wyoming

Customer satisfaction ratings help identify companies offering the cheapest auto insurance in Wyoming, and complaint rankings reveal which ones to avoid. Larger companies often receive more complaints. The table below shows complaint counts and ratios for Wyoming’s biggest auto insurers.

Company Complaint Ratios and Total Number of Complaints

Auto insurance companies that customers recommend usually have fewer complaints and strong customer service, helping Wyoming drivers find reliable, affordable coverage. Complaints may not reflect every aspect of an insurer but can indicate issues with staffing or company size.

Wyoming’s Premiums as a Percentage of Income

Per capita disposable personal income means that the money individuals have after taxes. In 2014, Wyoming’s annual per capita disposable income was $49,918, and the average full auto coverage cost was $844.33. The table below shows premium percentages over three years.

Wyoming Auto Insurance Premiums as a Percentage of Income by Year

Auto insurance costs about 1.69% of income—within the typical 1–3% range across states. The percentage has gotten smaller year over year, which is good news for Wyoming residents.

Read More: How much insurance coverage do I need?

Cheap Auto Insurance in Wyoming by ZIP Code

Location affects auto insurance rates. The table below breaks down average rates by Wyoming ZIP codes so you can find your area’s average auto insurance costs.

These ZIP-code-based rates show where Wyoming’s cheapest car insurance is available. Check your location, compare quotes, and get the right coverage at the best price.

Cheap Auto Insurance in Wyoming by City

Looking at rates by city is more helpful than by ZIP code. The table below shows average rates in cities across Wyoming.

Wyoming Accidents & Claims per Year by City

Cheap auto insurance is available in Big Horn, Ranchester, and Sheridan. Cheyenne ranks in the top 20 for low rates. The highest rates are in Alta, Wilson, Teton Village, Jackson, and Moose. You can also use online comparison tools to easily compare rates and find the cheapest auto insurance options in Wyoming.

Low-Cost Insurance

Wyoming offers a program for high-risk drivers but does not offer a similar program for low-income families or individuals struggling to pay for car insurance.

While Wyoming does not support state-sponsored low-income insurance policies like New Jersey or California, motorists can find affordable coverage nonetheless by taking advantage of discounts and comparing quotes.

The following table identifies prominent carriers and the respective discounts they offer—from policy bundles (up to 25% discount) to good driver credits (up to 40% discount).

Auto Insurance Discounts From the Top Providers in Wyoming

The state’s low crime rates (Grade A) and light traffic jams (Grade A) keep premiums low. Moderate weather hazards and uninsured motorists (Grade C), though, indicate shopping around is essential.

Wyoming Auto Insurance Premiums

Higher-risk drivers might pay more but can shop for specialty insurers. For all others, taking full advantage of discounts (such as anti-theft or usage-based insurance) ensures the lowest prices.

Additional Liability Coverage for Cheap Auto Insurance in Wyoming

You now know the basic Wyoming auto insurance requirements for liability coverage. However, these are only minimums and may not cover all accident costs. Consider higher liability limits. In Wyoming, the at-fault driver covers damages. Extra liability coverage offers added protection.

The insurance industry recommends setting liability limits at $100,000 per person and $300,000 per accident—well above Wyoming’s minimums. For better protection, consider full coverage, uninsured motorist protection, or adding umbrella insurance for extra liability.

Comprehensive and collision coverages pay to repair your auto. While not required in Wyoming, they’re often mandatory if you lease or finance. For cheap auto insurance in Wyoming, check the USAA site for affordable coverage options that fit your situation

Personal Injury Protection (PIP) and Medical Payments Coverage pay for medical bills, but are not required in Wyoming. Higher coverage limits with cheap auto insurance in Wyoming can reduce your out-of-pocket costs. You might also consider optional uninsured/underinsured motorist coverage for added protection.

Let’s talk loss ratios.

A loss ratio shows how often insurers pay out claims. When shopping for cheap auto insurance in Wyoming, reviewing a company’s loss ratio helps you gauge its financial health and reliability in covering customer claims.

Companies with loss ratios over 100% are more likely to pay claims but may be less financially stable.

Companies with lower loss ratios may not cover all expenses in an accident. They are financially secure but pay fewer claims. The table below shows the loss ratios for personal injury protection, medical payments, and UUM in Wyoming.

Wyoming Auto Insurance Loss Ratios

Learn more about what liability auto insurance is to better understand how it protects you in case of an accident in Wyoming.

Wyoming Car Insurance Laws

Wyoming’s state laws require all drivers to carry minimum liability coverage, making it essential to find cheap auto insurance in Wyoming and compare policies to find the right coverage for your needs.

Penalties for Driving without Insurance

Despite its legendary frontier spirit, the Cowboy State requires all drivers to carry cheap auto insurance. Proof must be kept in the vehicle or accessible digitally. Failure to comply can result in fines and license suspension.

How State Laws for Insurance Are Determined

Each state’s legislative branch creates laws regarding automobiles and cheap auto insurance in Wyoming. States set tort laws, thresholds, and minimum liability insurance requirements. Wyoming requires liability insurance and sets minimums. The Department of Transportation handles driver, car, registration, and insurance matters.

Windshield Coverage

Some states have made laws specific to windshields, regulating broken and cracked windshields, replacements, and insurers’ obligations. However, Wyoming is an outlier. As of 2019, Wyoming does not have any state laws specific to windshields.

High-Risk Insurance

There is a special category of drivers labeled “high-risk.” Sometimes, drivers have trouble finding cheap auto insurance in Wyoming, even though it’s required in the state. Companies might refuse to insure them due to their “high-risk” status. Younger drivers and those with a DUI are often considered high-risk.

The State of Wyoming has a system that makes insurance accessible to all, and it is called the Wyoming automobile insurance plan (waip). This program helps drivers who can’t find an insurer through the traditional market. Visit the Liberty Mutual site for more options on affordable coverage.

Waip isn’t an insurance provider. It connects drivers with insurance companies willing to insure them. Waip is part of an association that shares the risk among multiple companies.
When applying for Waip, you must prove you can’t obtain insurance through regular channels. You also need a valid driver’s license, funds to pay the premium, and arrangements for any past-due premiums.

Automobile Insurance Fraud in Wyoming

“Insurance Fraud” might sound like a scary phrase, but it doesn’t have to be. Misrepresenting facts on an application or submitting false claims for damage or injuries are examples of fraud. This can impact your ability to get cheap auto insurance in Wyoming.

Other forms of auto insurance fraud include setting fire to your own vehicle, using a false social security number, or providing a fake address to secure cheap auto insurance in Wyoming. Some even stage fake accidents.

Insurance companies can also commit auto insurance fraud by refusing to pay valid claims or selling fraudulent policies. Wyoming is one of ten states without an insurance fraud bureau. However, insurance fraud is still considered a crime in the state.

You can contact the Wyoming Department of Insurance if you suspect insurance fraud. However, you will likely be redirected to file a report through the National Association of Insurance Commissioners.

Statute of Limitations

You’ll want to file a claim if you’ve been involved in an automobile accident. In Wyoming, the statute of limitations allows four years to file a claim for personal injury or property damage.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Driver Safety and Traffic Laws in Wyoming

Wyoming’s driver safety and traffic laws promote responsible driving and reduce accidents. Following these laws can help drivers find cheap auto insurance in Wyoming.

Wyoming Statistics Summary

Learn more about cheap providers to get the coverage you need in Wyoming while staying safe and secured on the road.

Teen Driver Laws

Teen drivers make up a significant part of Wyoming’s driving population. Due to their inexperience, the state requires extensive practice before teens can get a license.

Wyoming Teen Driving Laws & Graduated Licensing Requirements>/strong>

Compare RatesStart Now →

Wyoming has restrictions to protect young drivers and others on the road, and a parents’ supervised driving program is available at exam stations or online.

Older Driver License Renewal Procedures

As drivers age, vision and driving skills may decline. Some states have added requirements for older drivers to improve safety. In Wyoming, regulations are the same for all drivers. Licenses must be renewed every five years, with vision proof required every ten years. Renewals must be done in person or by mail—online renewals aren’t available. Mail-in renewal is allowed every other cycle.

New Residents

Moving to Wyoming? New residents must visit a driver exam station within a year for a Wyoming license. Bring required documents, pass a vision screening, and surrender your out-of-state license. Active-duty military members and their dependents are exempt from needing a Wyoming license if residing in the state.

Read More: How to Get Insurance on Your Driver’s License

License Renewal Procedures

Wyoming drivers must renew their licenses every five years, with vision proof required every ten years. Most renewals don’t require a written or driving exam. Renewals must be done in person every other cycle, with mail-in options available in between.

Wyoming doesn’t use a formal point system for traffic violations, but all offenses are recorded on your official driving record. Penalties are handled at the county level. Repeated minor violations can lead to license suspension. Major violations like DUI or serious accidents may result in suspension, fines, or jail. You can check your record online.

Rules of The Road

Wyoming has laws to promote safe driving. These rules help maintain order on the roads and ensure drivers act responsibly. Knowing these laws and how violations are recorded on your driving record is key to avoiding penalties and keeping a clean history.

Seatbelt and Car Seat Laws

Wyoming seatbelt laws became effective on June 8, 1989, under secondary enforcement regulations. This is where police officers may only cite drivers for seatbelt infractions after they have already stopped the car for another offense.

Wyoming Safety Belt Laws

Category	Details
Effective Since	June 8, 1989
Primary Enforcement	No (Secondary Enforcement)
Age/Seats Applicable	9+ years in all seats
1st Offense Maximum Fine	$25 driver / $10 passenger
Secondary Enforcement	Officers can only issue a seat belt citation if another violation occurs.
Medical Exemptions	Allowed with physician certification.
Postal Workers	USPS employees on duty are exempt.
Vehicles Without Seat Belts	Exempt if not originally equipped.

Compare RatesStart Now →

Wyoming’s auto seat laws comply with national safety guidelines. These generally mandate rear-facing seats for infants until age 2, toddler seats with harness systems facing forward, and booster seats for children until the age of 9 or a height of 4 feet 9 inches.

Wyoming Car Seat Requirements

Age Group	Seat Type	Requirements
Under 2 Years	Rear-Facing Car Seat	Children under 2 years old must be secured in a rear-facing car seat.
2 to 8 Years	Forward-Facing Car Seat or Booster Seat	Children aged 2 to 8 years should transition to a forward-facing car seat with a harness or a booster seat, depending on their size and the manufacturer's guidelines.
9 Years and Older	Seat Belt	Once children reach 9 years old, they can use the vehicle's seat belt system, provided it fits them properly.

Compare RatesStart Now →

Wyoming also allows passengers to ride in pickup trucks’ cargo areas. The Table below Outlines Seatbelt Laws in the State of Wyoming.

Keep Right and Move Over Laws

Wyoming’s open highways require patience and caution. Drivers must stay right when moving slower than traffic and use the left lane only to pass.

When approaching an official vehicle with lights on, move over or reduce speed by 20 mph below the limit. These laws support safe driving records.

Read More: Safe Driver Discount

Speed Limits

Wyoming speed limits differ depending on road classification, with interstates going up to 80 mph and school areas as low as 20 mph.

Speed Limit Laws in Wyoming

Road Type	Speed Limit
Interstate Highways	Up to 80 mph
Urban Areas	30 mph
School Zones	20 mph
Other Paved Roads	70 mph
Unpaved Roads	55 mph

Compare RatesStart Now →

Speeding is a risk of penalties and loss of life, drive responsibly at all times. Be safe and save yourself the fine by respecting Wyoming’s speed limit postings.

Dui Laws

In 2017, Wyoming recorded 44 alcohol‑impaired driving fatalities—one‑third of All Traffic Deaths—with Four Victims Under Age 21. That year, 3,253 people were arrested in Wyoming for driving under the influence of alcohol, including 28 drivers under 18. The table below outlines the DUI laws in Wyoming.

Wyoming DUI Laws & Penalties

Category	Details
Legal BAC Limit	0.08% for standard drivers, 0.04% for CDL drivers, 0.02% for drivers under 21
Implied Consent Law	Refusal to submit to BAC testing leads to license suspension
First Offense (Misdemeanor)	Up to $750 fine, up to 6 months jail, 90-day license suspension, 6-month IID if BAC ≥ 0.15%
Second Offense (Misdemeanor)	Up to $750 fine, 7 days to 6 months jail, 1-year license suspension, 1-year IID
Third Offense (Misdemeanor)	Up to $3,000 fine, 30 days to 6 months jail, 3-year license suspension, 2-year IID
Fourth Offense+ (Felony)	Up to $10,000 fine, up to 7 years jail, permanent license revocation, lifetime IID (court appeal possible)
Refusing a BAC Test (Implied Consent Violation)	6-month license suspension (first refusal), 18-month suspension (subsequent refusals)
Underage DUI (Under 21)	BAC ≥ 0.02% results in fines and license suspension
Commercial DUI (CDL Holders)	BAC ≥ 0.04% leads to a one-year CDL revocation (lifetime revocation for repeat offenses)
Enhanced Penalties	If DUI involves minors, high BAC (≥ 0.15%), or results in injury/death, penalties increase

Compare RatesStart Now →

Even one fatality from driving under the influence is too many. Many are caught drinking and driving before an accident occurs.

Wyoming DUI Charges

DUI Charge	Classification
First Offense	Misdemeanor
Second Offense	Misdemeanor
Third Offense	Misdemeanor
Fourth Offense & Subsequent	Felony
Refusing a BAC Test	Administrative Penalty
Underage DUI (Under 21, BAC ≥ 0.02%)	Misdemeanor
Commercial DUI (BAC ≥ 0.04%)	Misdemeanor (CDL-specific)

Compare RatesStart Now →

As shown in the table above. If caught, you can face serious consequences like jail time, license revocation, and fines in Wyoming.

Marijuana-Impaired Driving Laws

Wyoming bans marijuana for recreational and medical use. Driving under its influence carries the same penalties as alcohol—fines, jail, and license revocation. Knowing what a driving record is and what it tracks is essential to avoid penalties and keep a clean record.

Read More: Driving Tips for Road Safety

Distracted Driving Laws

Smartphone use while driving poses a serious hazard. Wyoming bans texting for all drivers, but Cheyenne and Green River are the only cities that ban handheld use—other areas have no restrictions.

Safety Laws

Even if you follow speed limits, wear seatbelts, and obey traffic laws, you may face hazards from impaired or distracted drivers. Wyoming’s regulations cover impaired driving, distracted driving, and other safety issues. Below, we explore these rules in detail.

Ridesharing

Whether you’re heading to the airport or returning home from a late-night event in Cheyenne, rideshare services like Lyft and Uber are increasingly popular.

Ride-sharing also provides an opportunity for drivers to earn extra income. However, if you plan to drive for Uber or Lyft, ensure you’re protected with cheap auto insurance in Wyoming.
If you’re considering ridesharing, note that only a few of Wyoming’s insurance providers offer coverage for rideshare drivers.

Some of these coverages are extensions of your regular insurance policy. As with standard auto insurance, it’s helpful to shop around for cheap auto insurance in Wyoming to find an affordable quote.

Automation on The Road

Self‑driving, “autonomous,” and “connected” dominate automotive tech. Wyoming hasn’t passed autonomous vehicle laws but joined a 2015 USDOT pilot for connected vehicles on I-80—snowplows, trucks, and emergency vehicles equipped with advanced sensors (not autonomous).

Read More: Levels of Driving Automation

Vehicle Theft in Wyoming

In 2017, the 2007 full‑size Chevy pickup topped Wyoming’s stolen‑vehicle list, followed by other truck models. Wyoming auto theft patterns are crystal clear: high-theft-risk, older full-size pickups are the targets of choice.

Most Stolen Vehicles in Wyoming

Make/Model	Year of Vehicle	Number of Thefts
Ford Pickup (Full Size)	2004	54
Chevrolet Pickup (Full Size)	2007	50
Dodge Pickup (Full Size)	2003/1998	26
GMC Pickup (Full Size)	2003	21
Toyota Camry	2005	12
Honda Civic	2007	10
Jeep Cherokee/Grand Cherokee	2005	9
Ford Escape	2017/2021/2009	9
GMC Yukon	2007/2005	8
Chevrolet Suburban	2003/1999	8

Compare RatesStart Now →

Cheyenne had the most thefts, with Casper second. Understanding the models and spots most at risk empowers motorists to take action in advance to prevent theft.

Worst Cities for Vehicle Theft in Wyoming

City	Motor Vehicle Thefts
Cheyenne	411
Casper	128
Riverton	28
Gillette	27
Rock Springs	25
Laramie	20
Sheridan	20
Evanston	14
Rawlins	13
Jackson	12

Compare RatesStart Now →

Shield your vehicle with comprehensive insurance coverage if you have a high-theft-risk model or drive through theft-target areas.

Wyoming’s Car Culture

Wyoming covers over 98,000 square miles, nearly half of which is federally owned. Despite having the lowest population in the U.S. at just under 600,000, residents drive more miles annually than any other state. For coverage tailored to high-mileage drivers, visit the Travelers site.

Wyoming roads are filled with locals and tourists exploring national parks, mountain passes, and winter weather.

To drive without concerns, make sure that you are covered with low-cost car insurance products that provide coverage for long-distance driving and different road conditions. These insurance companies specialize in providing products for Wyoming’s uncertain driving conditions.

Driving in Wyoming

Driving in Wyoming offers beautiful views but comes with challenges like gale-force winds, winding roads, and winter storms. Understanding your driving record is key to maintaining a clean history, which can help you qualify for discounts and cheap auto insurance. Your record tracks violations, accidents, and incidents, which insurers use to assess risk and set premiums.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Road Fatalities in Wyoming

Next, we’ll cover road fatalities. Understanding the statistics can help us make safer choices on the road. We’ll explore key insights into Wyoming’s risks, which also explain why auto insurance is more expensive in Higher‑risk areas.

Fatalities by Crash Type

Wyoming’s fatal crash statistics expose sobering trends—single-vehicle crashes, departure from roadways, and rollovers comprise the majority of fatalities.

Wyoming Traffic Fatalities by Crash Type

Crash Type	2019	2020	2021	2022
Total Fatalities (All Crashes)	147	127	110	134
Single Vehicle	95	85	69	84
Involving a Large Truck	23	22	17	12
Involving Speeding	53	50	42	56
Involving a Rollover	82	70	55	60
Involving a Roadway Departure	110	97	78	83
Involving an Intersection (or Intersection Related)	15	14	11	15

Compare RatesStart Now →

Large truck involvement is still comparatively low, but speeding is an ongoing contributor to fatal crashes. Knowing these patterns of crashes can assist drivers with being more alert on Wyoming’s roads.

Fatalities (all Crashes) by County

Natrona and Fremont Counties lead in auto fatalities. Natrona, home to Casper and intersected by I-25, is Wyoming’s second-most populous county. Below are the top 10 counties for crash-related deaths.

Top Ten Counties for Fatal Car Crashes in Wyoming

Rank	County
1	Laramie County
2	Natrona County
3	Fremont County
4	Carbon County
5	Sweetwater County
6	Albany County
7	Park County
8	Big Horn County
9	Campbell County
10	Lincoln County

Compare RatesStart Now →

Fremont includes forest areas and the wind river reservation. Carbon County ranks third due to its stretch of I-80—Wyoming’s deadliest highway. Choosing coverage from cheap auto insurance companies helps protect you in high-risk areas like this.

Fatalities Involving Speeding by County

Speeding can quickly turn an idyllic drive into a violent crash. It’s a major factor in fatal accidents. We’ve compiled data on fatal crashes involving speeding in each county.

Wyoming Traffic Fatalities Involving Speeding

County	2019	2020	2021	2022
Albany County	3	2	3	1
Big Horn County	0	1	0	1
Campbell County	1	2	1	2
Carbon County	4	5	4	3
Converse County	2	1	2	1
Crook County	1	0	1	0
Fremont County	4	3	2	4
Goshen County	0	1	0	0
Hot Springs County	0	0	0	0
Johnson County	1	0	1	0
Laramie County	2	3	2	3
Lincoln County	2	1	2	1
Natrona County	6	4	5	4
Niobrara County	0	0	0	0
Park County	1	2	1	2
Platte County	2	1	2	1
Sheridan County	0	1	0	1
Sublette County	1	0	1	0
Sweetwater County	3	2	3	2
Teton County	0	1	0	1
Uinta County	2	1	2	1
Washakie County	0	0	1	0
Weston County	1	0	1	0
Weston County	14	13.93	0	14.44

Compare RatesStart Now →

Speeding is a leading cause of fatal crashes. Below is county-level data on fatal accidents involving speed. Liability auto insurance is essential—it’s the minimum coverage required by law and pays for damages or injuries you cause to others.

Fatalities in Crashes Involving an Alcohol-Impaired Driver (bac = .08+) by County

Alcohol is another major factor in fatal car accidents. The table below shows fatalities from alcohol-impaired driving.

Wyoming Traffic Fatalities Involving Alcohol-Impaired Drivers (BAC ≥ 0.08%)

County	2019	2020	2021	2022
Albany County	3	1	2	3
Big Horn County	2	1	0	1
Campbell County	3	2	1	2
Carbon County	1	3	2	2
Converse County	0	2	1	1
Crook County	1	0	1	0
Fremont County	6	4	5	6
Goshen County	0	1	0	1
Hot Springs County	0	0	1	0
Johnson County	0	1	0	1
Laramie County	2	2	3	2
Lincoln County	1	1	2	1
Natrona County	5	3	4	5
Niobrara County	0	0	0	0
Park County	2	1	2	1
Platte County	1	1	0	1
Sheridan County	1	2	1	0
Sublette County	1	0	1	0
Sweetwater County	3	2	2	3
Teton County	1	0	1	0
Uinta County	2	1	1	2
Washakie County	0	0	0	0
Weston County	1	0	0	1
Weston County	0	0	13.89	0

Compare RatesStart Now →

Insurance companies factor in DUI and reckless driving history when setting rates—higher risk means higher premiums.

Teen Drinking and Driving

Drinking and driving is especially dangerous for teens. In Wyoming in 2016, under-21 alcohol-related driving deaths were 1.9 per 100,000—well above the national average of 1.2.

In 2016, Wyoming police made 26 dui arrests involving individuals under 18, placing the state fourth nationwide for teen dui arrests per capita.
Additionally, Wyoming ranks third for total DUI arrests per capita, with 3,082 individuals arrested in 2016 for driving under the influence.

Most Fatal Highway in Wyoming

Wyoming’s section of I-80 sees over 17 fatal crashes annually, with 175 crashes and 207 fatalities over 10 years. This interstate, part of the old Oregon Trail, runs through the southern third of the state.

When driving on high-risk roads like I-80, it’s important to consider the right auto insurance. Minimum liability may not be enough. Comprehensive, collision, and additional liability coverage can offer extra protection, while uninsured/underinsured motorist insurance helps with incidents involving underinsured drivers.

Fatal Crashes by Weather Condition and Light Condition

Weather and light play a significant role in accidents and fatalities. Most fatal crashes occur in normal weather, not icy conditions, and often at night.

Wyoming Traffic Fatalities by Weather and Light Conditions

	Daylight	Dark, but Lighted	Dark	Dawn or Dusk	Other / Unknown	Total
Weather Condition	Daylight	Dark, but Lighted	Dark	Dawn or Dusk	Other / Unknown	Total
Normal	50	3	31	7	0	91
Rain	3	0	1	0	0	4
Snow/Sleet	3	0	4	0	0	7
Other	0	0	1	0	0	1
Unknown	0	0	0	0	2	2
TOTAL	56	3	37	7	2	105

Compare RatesStart Now →

When driving at night, stay in well-lit areas for safety. Here are tips for driving in bad weather:

• Slow down and maintain more space between vehicles.
• Use headlights in low visibility conditions.
• Avoid sudden braking or sharp turns.
• Keep tires well-maintained for better traction.
• Keep an emergency kit in your vehicle.

For coverage in varying conditions, check auto insurance reviews for responsive service and claims assistance in adverse weather.

Traffic Fatalities

Let’s examine rural and urban traffic fatality rates in Wyoming using data provided by the NHTSA.

Wyoming Traffic Fatalities by Road Type

Year	Rural	Urban	Total	Unknown
2019	120	27	147	0
2020	112	15	127	0
2021	102	8	110	0
2022	114	20	134	0

Compare RatesStart Now →

According to data over nine years, fatal car accidents in Wyoming are more likely to occur in rural areas, as most of the state is considered “rural. ”

Fatalities by Person Type

Fatal accidents in Wyoming can occur on or off the roadway, involving one or multiple vehicles. Due to the high number of trucks on the road, truck accidents are common.

Wyoming Traffic Fatalities by Person Type

Person Type	2019	2020	2021	2022
Passenger Car Occupants	40	35	42	39
Light Truck - Pickup	32	29	34	31
Light Truck - Utility	25	22	26	24
Light Truck - Van	5	4	5	4
Large Truck Occupants	9	8	9	8
Other/Unknown Occupants	7	6	7	6
Total Occupants	118	104	123	112
Motorcyclists	19	17	20	18
Pedestrians	8	7	8	7
Bicyclists and Other Cyclists	1	1	1	1
Other/Unknown Nonoccupants	0	0	0	0
Total Nonoccupants	9	8	9	8
Total Fatalities	146	129	152	140

Compare RatesStart Now →

Fatal motorcycle crashes are also notable, and lawyers often help families secure insurance for medical costs and damages. Pedestrian and bicycle accidents are rare.

Read More: Car Accidents and Auto Claims

Five-Year Trend for The Top 10 Counties

Wyoming traffic fatality patterns demonstrate important county-by-county variation, with Laramie County experiencing a disturbing 60% increase in fatalities since 2019 and Natrona County fatalities decreasing by half.

Top Ten Counties in Wyoming with the Most Traffic Fatalities

County	2019	2020	2021	2022
Natrona	14	12	13	7
Fremont	9	8	9	10
Carbon	7	6	7	6
Sweetwater	8	7	8	10
Laramie	11	10	12	16
Albany	6	5	6	8
Park	5	4	5	8
Big Horn	4	3	4	5
Campbell	5	4	5	7
Lincoln	4	3	4	9

Compare RatesStart Now →

The area you travel through in Wyoming matters greatly when it comes to exposing yourself to risk. Study these county-specific patterns when assessing your auto insurance needs.

State Laws

Auto insurance, road safety, and driving laws vary by state, so it’s important to keep this in mind whether you’re planning a road trip or relocating.

State-Specific Laws

Wyoming’s driving and auto insurance laws are similar to those of other states, but with no windshield laws and no insurance fraud bureau, it’s lighter on legislation. A couple of recent laws are worth noting.

In July 2013, a law was signed allowing Wyoming drivers to exceed the speed limit by up to 10 mph on two-lane highways to pass slower vehicles. The posted limit must be 50 mph or higher, and only one vehicle can be passed at a time.

The Wyoming Department of Transportation can charge a $125 fee for drivers applying for an ignition interlock-restricted license. Later, we’ll explore speeding and DUI-related laws in Wyoming.

Forms of Financial Responsibility

In Wyoming, drivers must provide proof of financial responsibility, typically via insurance. Alternatively, a surety bond or a $25,000 deposit with the state treasurer can be used.

Proof must be carried at all times, and electronic proof is acceptable. When choosing auto insurance, consider companies offering both traditional and alternative financial responsibility options that meet state requirements.

Vehicle Licensing Laws

In addition to cheap auto insurance in Wyoming and insurance laws, the state has vehicle licensing laws. These laws cover who can obtain a license, the renewal process, and any restrictions on licensed drivers. Let’s take a look.

Real ID

The Real ID Act, passed in 2005, set federal standards for issuing driver’s licenses. While states have taken time to implement it, it will be applicable nationwide in 2020.

Wyoming is a “compliant state.” Drivers with real IDs can fly or travel across the U.S. without issues. Look for the star in the upper corner of the license. Federal agencies accept Wyoming’s ID cards and driver’s licenses at federal facilities, including nuclear power plants. If you get a new ID in Wyoming soon, it will likely be a real ID.

Fault vs. No-Fault

Wyoming is an at-fault state, not a no-fault state. When an accident occurs, the responsible party is financially liable for damages. This makes carrying auto insurance legally required and a smart choice.

Wyoming’s rural layout means long commutes and heavy reliance on personal vehicles, which impact insurance rates. To find cheap auto insurance in Wyoming, you can use our free online tool to compare quotes and identify the most affordable options.

Car Ownership

Wyomingites typically own two or three vehicles per household. To stay protected, compare providers offering cheap auto insurance with reliable coverage.

Transportation

Now that you’re familiar with Wyoming’s insurance rules, here are key Transportation stats on car ownership, commute times, and travel methods.

Wyoming’s average commute time is 16 minutes shorter than the U.S. average, likely because many residents work on or near their own land—a clear perk for local drivers.

Commuter Transportation

Wyoming’s commuting culture favors driving alone by nearly 80% of residents driving alone to work—a trend that has held steady since 2013.

Carpooling occupies only 10% of trips, with alternative modes of transportation such as walking, biking, and public transit seeing limited use. These commuting patterns impact both traffic risks and insurance considerations.

EMS Response Time

One factor in accident outcomes is EMS response time. Quick emergency service can reduce injury severity. The table below compares EMS response times in urban and rural Wyoming.

EMS Response Times in Wyoming: Rural vs. Urban

	Time of Crash to EMS Notification	EMS Notification to EMS Arrival
Time Interval	Rural Areas	Urban Areas
Time of Crash to EMS Notification	6.38 minutes	2.95 minutes
EMS Notification to EMS Arrival	21.04 minutes	5.83 minutes
EMS Arrival at Scene to Hospital Arrival	42.17 minutes	24.75 minutes
Time of Crash to Hospital Arrival	61.22 minutes	33.50 minutes
Total Fatal Crashes	80	25

Compare RatesStart Now →

Urban areas generally see faster EMS response due to their closer proximity to hospitals and medical services. However, most fatal crashes happen in rural areas, which is notable given Wyoming’s largely rural landscape.

Traffic Congestion in Wyoming

Cheyenne, Wyoming’s largest city, has about 66,000 residents. Even though it is the state’s biggest city, it doesn’t have the traffic congestion to appear on national or global traffic databases.

If you’re traveling through Wyoming and need traffic updates, WYDOT provides reliable resources. The 2017 solar eclipse brought record-high traffic to the state, though it’s unclear if that level will happen again.

That wraps it up. Whether you’re living in or moving to the Cowboy State, enter your ZIP code to compare free quotes for cheap auto insurance in Wyoming.

Frequently Asked Questions

What is the cheapest car insurance in Wyoming?

USAA is known for its affordable rates and solid coverage options. USAA provides various discounts, helping drivers in Wyoming secure reliable coverage at lower costs while maintaining quality service.

What is the minimum car insurance in Wyoming?

The minimum car insurance required in Wyoming includes liability coverage of $25,000 per person for bodily injury, $50,000 per accident, and $20,000 for property damage. Companies like USAA, Liberty Mutual, and State Farm offer policies that meet these state requirements, often with affordable rates and additional coverage options.

Which car insurance group is the cheapest?

USAA offers the cheapest car insurance at $13 per month, but it’s limited to military members, veterans, and their families. For non-military drivers, Liberty Mutual is the next most affordable option at $17 per month.

Read More: Cheap Auto Insurance

What is the cheapest, most reliable car to insure?

The Honda Civic is often considered one of the cheapest, most reliable cars to insure in Wyoming due to its strong safety ratings and affordability. Other budget-friendly options for insurance include the Toyota Camry and Subaru Outback, which are known for their reliability and lower repair costs.

Who offers the cheapest auto insurance in Wyoming?

USAA offers the cheapest auto insurance in Wyoming, with rates starting at $13 per month. However, USAA is typically only available to military members and their families.

What is the average cost of cheap auto insurance in Wyoming?

The average cost for cheap auto insurance in Wyoming varies, with USAA starting at $13 per month, Liberty Mutual at $17, and State Farm at $19. Factors that affect your auto insurance rates, including driving history and coverage needs, influence the average cost of cheap auto insurance in Wyoming.

Is Liberty Mutual a good option for cheap auto insurance in Wyoming?

Yes, Liberty Mutual offers cheap auto insurance in Wyoming, with rates starting at $17 per month. It is one of the cheapest options available, providing reliable coverage and potential discounts.

How does State Farm compare in Wyoming for cheap auto insurance?

State Farm is a competitive choice for cheap auto insurance in Wyoming, with rates starting at $19 per month. It combines affordability with strong coverage options and customer satisfaction.

Can I get affordable auto insurance with Geico in Wyoming?

Yes, USAA offers cheap auto insurance in Wyoming, with rates starting at $13 per month. It’s known for providing car insurance discounts that can help reduce the overall cost of coverage.

Which insurance company has the highest rates for cheap auto insurance in Wyoming?

Allstate has the highest rates among the listed providers for cheap auto insurance in Wyoming, with premiums starting at $36 per month. However, they offer comprehensive coverage and discounts that may appeal to certain drivers. Avoid expensive auto insurance premiums by entering your ZIP code to see the cheapest rates for you.