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

Wyoming Statistics Summary

Securing cheap auto insurance in Wyoming is crucial, whether driving through cities like Cheyenne or navigating the rural roads across the state. With over 98,000 square miles of land and a population under 600,000, Wyoming residents cover more miles in their cars than any other state. From national park visits to braving winter weather, Wyoming drivers log serious road time. Affordable coverage ensures you’re protected without overspending, no matter where your adventures take you.

Wyoming’s open roads and low population density make finding affordable auto insurance essential for residents. Protecting yourself with the right insurance policy lets you enjoy the Cowboy State’s scenic drives with peace of mind.

Comparing quotes is key to securing the best deal on cheap auto insurance in Wyoming. Whether you’re in Cheyenne, Casper, or any other part of the state, we’ve made it easier to find the right coverage at affordable rates. Let us help you get the protection you deserve.

 

Finding cheap auto insurance in Wyoming can be easier when you compare options from top providers. USAA offers the best rates, especially for military families, with excellent coverage options.

Our Top 10 Company Picks: Cheap Auto Insurance in Wyoming

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

#1 – USAA: Top Overall Pick

Pros

• Affordable: USAA offers some of the cheapest auto insurance rates, especially for military members and their families. Learn more in our USAA car insurance review.
• Comprehensive: Offers a wide range of coverage options, including collision, liability, and uninsured motorist, making it easy to find affordable options for cheap auto insurance in Wyoming.
• Excellent: Known for high customer satisfaction and quick claims processing, ensuring reliable coverage for Wyoming drivers.
• Discounts: Provides multiple discounts for safe driving, bundling, and more, which helps lower premiums for affordable insurance.

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.
• Service: Online and phone-based services may not provide the same level of personal support some Wyoming drivers prefer.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#2 – Liberty Mutual: Best for Customizable Policies

Pros 

• Customized Coverage: Liberty Mutual provides adaptable plans that can be customized to meet specific requirements, such as new car replacement and accident forgiveness. Learn more about this provider in our thorough Liberty Mutual company review.
• Many Discounts: Offers various discounts, including for students, military personnel, and bundling, helping customers find cheap auto insurance in Wyoming.
  
• Robust Digital Tools: Provides a user-friendly app for policy management and quick claim submissions, making it convenient for Wyoming drivers.
  
• Financial Stability: Liberty Mutual’s strong financial foundation ensures reliable claims payouts, adding peace of mind.

Cons

• Higher Rates: Some customers report higher premiums compared to other providers, which can impact affordability for those seeking cheap coverage.
• 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 Financial Strength

Pros

• Outstanding Customer Attention: State Farm is renowned for its robust local agent network and individualized attention. Read more in our full review on State Farm’s auto insurance.

• Competitive Rates: Offers some of the lowest prices, helping Wyoming drivers find cheap auto insurance.
• Strong Financial Strength: Ensures reliable claims handling due to its solid financial foundation.
• Safe Driver Discounts: Significant savings for safe drivers through programs like Drive Safe & Save.

Cons

• Restricted Discounts: Fewer discount options compared to competitors, limiting savings opportunities.
• Average Digital Tools: Website and mobile apps could benefit from updates for a better user experience.
• High Rates for High-Risk Drivers: Premiums can increase substantially for drivers with poor records.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#4 – Travelers: Best for Unique Coverage

Pros

• Competitive Prices: Offers affordable rates, especially for drivers with clean records seeking cheap auto insurance in Wyoming.
• Numerous Coverage Choices: Travelers offers a range of coverage choices, such as collision and comprehensive coverage. For more information, read our Travelers company review.
• Homeowner Discounts: Attractive bundling options for homeowners with flexible payment plans.
• Flexible Payment Options: Allows customers to choose from a variety of payment plans.

Cons

• Claims Satisfaction Below Average: Some customers report dissatisfaction with the claims process.
• Limited Local Agent Support: Heavily reliant on digital tools, which may lack a personal touch.
• Higher Premiums for High-Risk Drivers: Premiums can rise sharply for drivers considered high-risk.

#5 – Progressive: Best for Coverage Options

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 Program: Rewards safe driving with discounts through its usage-based program, helping drivers save on cheap auto insurance in Wyoming.
  
• Multi-Policy Discounts: Offers significant savings when bundling auto, renters, and home insurance policies.
  
• Robust Digital Tools: Provides an intuitive smartphone app and web platform for easy policy management and claims submissions.

Cons

• Claims Satisfaction: Some customers report dissatisfaction with the claims process.
• Higher Rates for Some Drivers: Low-risk drivers may not qualify for the lowest rates.
• Limited Agent Support: Primarily relies on digital tools, which may lack personalized service.

# 6 – Geico: Employee Discounts

Pros

• Low Rates: Geico is renowned for providing some of the market’s lowest rates. Learn more about Geico’s rates in our Geico auto insurance company review.
• Strong Web Presence: Features an intuitive web platform and mobile app for convenient policy management, ideal for finding cheap auto insurance in Wyoming.
• Variety of Discounts: Offers discounts like multi-policy and military discounts to help lower premiums.
• Reliable Claims Process: Generally receives positive feedback for its efficient claims handling.

Cons

• Limited Agent Network: Primarily relies on online resources, which may lack personalized support.
• Higher Rates for High-Risk Drivers: Drivers with accidents or poor credit may face steeper premiums.
• Mixed Customer Service Reviews: Some customers report inconsistent experiences with support.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#7 – American Family: Best for Loyalty Savings

 

Pros

• Competitive Rates for Safe Drivers: American Family offers affordable rates for Wyoming drivers with clean driving records, making it a great option for those seeking cheap coverage. Find out more about the American Family in our American Family review.
• 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.
• Teen Driver Discount: Provides discounts for young drivers, helping Wyoming families reduce the cost of insuring teens.

Cons

• Higher Premiums for High-Risk Drivers: Rates may be less competitive for drivers with accidents or poor credit.
• 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.

#8 – Nationwide: Best for Accident forgiveness

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.
• On Your Side Review: Provides annual policy reviews to help Wyoming drivers get competitive prices on cheap auto insurance.
• Fantastic Bundling Discounts: Offers substantial discounts for bundling auto and home insurance plans, lowering overall costs.
• Robust Financial Foundation: Nationwide’s financial strength ensures reliable claims payouts for Wyoming drivers.

Cons

• Average Rates: While competitive, Nationwide’s rates may not be the cheapest for those seeking budget-friendly options.
• Availability: Coverage options may be limited in some states.
• Claims Processing: Some customers report slower-than-expected claims handling.

# 9 – Farmers: Best for Comprehensive Coverage

Pros

• Outstanding Customer Service: Farmers offers outstanding customer service, including individualized local agent support and round-the-clock claims assistance. Take a look at 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 car replacement insurance for Wyoming drivers.
  Accident Forgiveness: With this program, Farmers helps prevent premium increases after your first accident.
  Bundling Discounts: You can save significantly by bundling home and auto insurance policies.

Cons

• Higher Premiums: Farmers’ premiums may be higher than those offered by some competitors, which could impact those seeking cheap auto insurance in Wyoming.
• Limited Discounts: Offers fewer discount opportunities compared to other providers.
• State Availability: Farmers is not available in all states.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

# 10 – Allstate: Best for Detailed Coverage

Pros

• Large Discounts: Allstate provides many discounts, such as safe driver and excellent student discounts. Read more about this provider in our Allstate auto insurance review.
• Local Agents: Provides personalized support through an extensive network of agents in Wyoming.
  
• Claim Satisfaction Guarantee: Offers refunds to customers dissatisfied with the claims process.
  
• Accident Forgiveness: Protects drivers from rate increases after an accident.

Cons

• Higher Rates: Premiums are often more expensive compared to competitors, impacting those looking for cheap auto insurance in Wyoming.
• Average Customer Satisfaction: Some customers have mixed reviews about claims handling.
• Limited Digital Tools: Mobile and online platforms could be improved for easier policy management.

Best Cheap Auto Insurance Companies in Wyoming

When it comes to car insurance providers, how do you know which company is best? Which one will provide you with the friendliest service, best value, and most protection?

Sometimes the auto insurance market can feel like the Wild West. That’s why we’re stepping in to lead the way with straightforward, unbiased, and comprehensive information about car insurance.

Choosing the right car insurance can be overwhelming, but we simplify it. Finding the best service, value, and protection is crucial for cheap auto insurance in Wyoming.

Wyoming Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$36	$155
	$27	$112
	$30	$130
	$26	$111
	$17	$75
	$28	$114
	$25	$106
	$19	$82
	$23	$98
	$13	$57

Compare RatesStart Now →

This table helps you compare monthly rates based on provider and coverage level, ensuring you find the best coverage for your needs at an affordable price.

Soon, you’ll feel calm and confident about choosing the best car insurance companies for cheap auto insurance in Wyoming. Let’s get started on finding the best coverage for your needs.

The Largest Companies Financial Rating

One step you’ll want to take when shopping for cheap auto insurance in Wyoming is to look at companies’ financial ratings. These ratings help gauge a company’s stability and reliability.

We’ve compiled AM Best’s ratings in an easy-to-read table. Remember: this rating indicates the financial strength and creditworthiness of each insurer. The table below covers the ten largest auto insurers in Wyoming.

Wyoming Auto Insurance Providers by Market Share

The letter grades in financial ratings follow a traditional scale, with A being higher and B being lower.

The plus and minus signs indicate financial strength. From a financial perspective, the strongest providers are those with the highest letter grades and most plus signs.

As you can see, Wyoming’s biggest insurance providers also have decent ratings—all of them are in the A—A, A+, and A++ range.

Cheapest Companies for Cheap Auto Insurance in Wyoming

Wyoming doesn’t have endless car insurance options, but it has enough to make shopping for cheap auto insurance in Wyoming a challenge! There are many factors to consider when choosing a car insurance provider.

Of course, one of the most important factors is price. Car insurance companies offer a wide range of rates, and we’re here to help you find the best cheap auto insurance in Wyoming for your wallet.

Check out the car insurance companies that customers recommend to make an informed decision.

Number of Insurers by State

The largest insurers in Wyoming operate all over the United States. They are (slightly confusingly) known as “foreign” insurance providers. The term “domestic” refers to insurance providers that only operate in Wyoming. To determine what kind of car insurance you really need, it’s important to understand the differences between these providers and choose one that best meets your coverage needs and budget.

Number of Property & Casualty Insurance Companies in Wyoming

Coverage and Rates for Cheap Auto Insurance in Wyoming

Car insurance is a tricky business. That’s why we’re here—to make it easier.

Hop in the passenger seat and join us as we explore the best car insurance companies in Wyoming, coverage, rates, and add-ons. Our comprehensive guide to Wyoming car insurance options is divided into easy-to-read sections.

We can help you find coverage that’s the best and the best for you with cheap car insurance in Wyoming.

Ready to get started? Let’s drive!

Wyoming’s Premiums as a Percentage of Income

You may have heard of “per capita disposable personal income.” Though it sounds like Latin, the phrase has a simple definition.

Disposable personal income is the money you have available after paying taxes. “Per capita” refers to the amount of money each individual has.

As of 2014, Wyoming residents’ annual per capita disposable personal income is $49,918. The average cost of full auto coverage in Wyoming (as of 2014) is $844.33.

Why is car insurance so expensive? That figure amounts to about 1.69 percent of a resident’s disposable income, which aligns with other states where the percentage ranges from 1 to 3 percent.

The table below outlines premiums as a percentage of income over three years. The percentage has gotten smaller year over year, which is good news for Wyoming residents.

Wyoming Auto Insurance Premiums as a Percentage of Income (2021-2024)

Wyoming’s Male vs. Female Rates

One commonly held belief about auto insurance is that men pay higher rates than women. The answer to this question can vary from state to state.

Each state makes its own laws regarding demographics and car insurance. Regarding the state of Wyoming, we’re here to give you an answer once and for all.

The answer is…well, yes—sort of. As you can see from the chart below, 35- and 60-year-old men and women in Wyoming can expect to pay the same or nearly the same prices for their car insurance.

However, if you scroll to the 17-year-olds- and 25-year-olds, you’ll see some differences.

The biggest changes can be seen during the teenage years. Teenagers and young adults pay significantly more for car insurance than older drivers and teenage boys pay the most.

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

In some states, women pay more for car insurance. Many factors impact premiums, and we’ll cover more of those factors later, especially when discussing cheap auto insurance in Wyoming.

Ready to find the best car insurance companies for your needs? We’re here to help guide you through your options for cheap auto insurance in Wyoming, providing insights to make the best choice.

Cheap Auto Insurance in Wyoming by Zip Code

We’ve learned that gender plays a role in car insurance rates. What about location? In the table below, we’ve broken down average car insurance rates by Wyoming ZIP codes. You can search for your ZIP code to see your area’s average car insurance costs in Wyoming.

Wyoming auto Insurance by ZIP Code

To help you find the best provider, check out these car insurance companies that customers recommend for affordable and reliable coverage.

Cheap Auto Insurance in Wyoming by City

While you can separate insurance rates by ZIP code, looking at rates by city may be even more helpful. The table below highlights the average rates paid by drivers in cities across Wyoming.

Least Expensive ZIP Codes for Auto Insurance in Wyoming

Who has the cheapest car insurance in Wyoming? Residents in areas like Big Horn, Ranchester, Sheridan, Wyarno, and Elk Mountain benefit from the cheapest car insurance in Wyoming. Depending on factors like location, drivers in these areas can secure lower rates.

Cheyenne, Wyoming, does not have the highest rates in the state. Cheyenne, WY car insurance is among the top 20 cheapest cities for coverage in Wyoming.

Where are the rates highest? For those prices, you’ll have to look near the Tetons. Alta, Wilson, Teton Village, Jackson, and Moose have the five highest rates in the state.

Now that you have a general understanding of rates and demographics, let’s review your options for the best car insurance companies in the Equality State.

Find the Cheapest Insurance in Wyoming Cities

This section helps residents of Wyoming cities like Casper, Cheyenne, Gillette, Laramie, and Rock Springs find cheap auto insurance in Wyoming. Comparing rates allows individuals to secure suitable coverage at competitive prices.

Find the Cheapest Insurance in Your City

Check out car insurance companies that customers recommend to help you find the best options tailored to your needs.

Coverage Level Rates for Cheap Auto Insurance by Company

So far, our charts have shown the average cost of car insurance in Wyoming for each company. However, insurance providers offer different rates based on the coverage you choose, which can significantly affect cheap auto insurance in Wyoming options.

With this chart, you can see how much your price will change from tier to tier. The more coverage you buy, the more you’ll pay. But you’ll have more protection, too.

Wyoming Auto Insurance Monthly by Coverage Level for Top Providers

Learn more about what kind of car insurance you really need to find the right balance between coverage and cost.

Driving Record Rates for Cheap Auto Insurance in Wyoming by Company

If you’ve ever received a speeding ticket or been involved in an accident, you probably know that your driving record can directly affect your auto insurance rate.

Your rate is likely lower if you haven’t had many auto accidents. Companies will quote you a higher rate if you have a spotty driving record. Speeding violations, DUIs, and accidents can all increase your rate.

Wyoming Auto Insurance Monthly Rates by Provider & Driving Record

Find out more about what a driving record is and what it tracks to understand how it impacts your insurance premiums.

Commute Rates for Cheap Auto Insurance in Wyoming by Company

Wyoming is an extra-large state. That means many of its residents have extra-long commutes. Rural residents may drive an hour or more to work every single day.

Difficult winter weather, howling winds, and mountain roads often accompany the long commutes in Wyoming. Gee, don’t you love Wyoming?

The time a driver spends commuting daily can affect his or her insurance rate. We’ve compiled the following statistics to demonstrate the impact a commute can have on Wyoming car insurance rates:

Wyoming Commute Distances Auto Insurance Monthly Rates by Provider

Read more: Is it a bad idea to set your auto insurance miles too low?

Take a close look. Moving just a few miles closer to your workplace may be worth it in the long run.

Credit History Rates for Cheap Auto Insurance in Wyoming by Company

In Wyoming, it is legal for auto insurance companies to use your credit score as a factor when determining your rate.

The better your credit history, the less you will have to pay for auto insurance. If your score is lower, you may pay more for cheap auto insurance in Wyoming.

To help you understand this, we’ve created a chart that breaks down full coverage insurance costs by company and credit score. Sound and Fair scores usually receive similar rates, but a ” Poor ” score can increase.

Wyoming Auto Insurance Monthly Rates by Provider & Credit Score

Let’s take a quick look at credit in Wyoming. The average credit score here is 678. The average Wyomingite carries 2.81 credit cards, and the average balance on those cards is $6,245.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Minimum Coverage for Cheap Auto Insurance In Wyoming

What is the minimum auto insurance in Wyoming? The minimum auto insurance in Wyoming requires drivers to have at least $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage. Around 7.8 percent of drivers in Wyoming are uninsured, making it important to have adequate coverage.

This might be a surprise since drivers in the state are required to carry minimum car insurance in Wyoming. If you do not carry liability insurance, you could receive a misdemeanor punishable by fines and/or imprisonment.

As the Reddit post below says, securing cheap auto insurance in Wyoming is essential to avoid legal issues and fines. If you receive a “dismissed” citation for not having proof of insurance, it usually means no conviction is recorded. However, it’s important to ensure you always have proof of insurance to stay compliant with the law.

Wyoming is a traditional “fault” car accident state. This means that the person at fault for causing a car accident is also responsible for any harm resulting from the crash.

The at-fault liability insurance policy. will absorb these financial losses up to the limits of the policy.

The owner of a motor vehicle in Wyoming must carry liability insurance coverage on his or her vehicle. The minimum amount of liability coverage a person is required to carry is:

• $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

This coverage pays the costs, including medical and property damage bills, of drivers, passengers, and pedestrians whose bodies are injured or vehicles are damaged in an accident you cause, up to the coverage limits.

Higher coverage limits with cheap auto insurance in Wyoming can help protect you from paying out-of-pocket for damages and injuries.

Remember: Liability coverage does not apply to your vehicle damage or injuries. To cover those, you’ll need additional coverage, which you can explore with cheap auto insurance in Wyoming.

Core Coverage

The Cowboy State has relatively low car insurance premiums. The average resident pays about $840 for full coverage.

Many Americans living in other states pay upwards of $900 or even $1000 for their insurance, making Wyoming a good deal for drivers.

In Wyoming, drivers must furnish proof of financial responsibility. Usually, this means a certificate of insurance, but they also have two other options when seeking cheap auto insurance in Wyoming.

This table breaks down the annual costs of different core insurance coverages.

Wyoming Auto Insurance Monthly Rates by Provider & Coverage Type

The National Association of Insurance Commissioners reported these statistics in 2015. Since then, they have likely increased slightly.

Additional Liability Coverage for Cheap Auto Insurance in Wyoming

You now know the basic Wyoming car insurance requirements for liability coverage. However, these limits are simply minimums. They won’t necessarily cover all the costs associated with an accident. For this reason, you may want to invest in additional liability coverage.

In Wyoming, the at-fault driver pays for any damages. Additional liability coverage can help protect you and your bank account.

The insurance industry recommends that drivers set injury liability limits at least $100,000 per person and $300,000 per occurrence. That’s quite a bit higher than Wyoming’s limits.

So, what are your other options?

Comprehensive and collision coverages pay to fix your car. Although these coverages are NOT required in Wyoming, they are often necessary when leasing or financing, especially for cheap auto insurance in Wyoming. Check the USAA site to explore affordable coverage options tailored to your needs.

Personal Injury Protection (PIP) and Medical Payments Coverage pay medical bills. However, they are NOT required in Wyoming. Higher coverage limits with cheap auto insurance in Wyoming can help protect you from paying out-of-pocket for damages and injuries. For this reason, you may want to consider uninsured/underinsured motorist coverage, which is completely optional in Wyoming.

Let’s talk about loss ratios.

A loss ratio helps you understand whether or not a car insurance provider is financially secure. When examining companies’ loss ratios closely, especially for cheap auto insurance in Wyoming, you can see how often insurers pay out claims to their clients.

Companies with higher loss ratios, such as those over 100 percent, are more likely to provide you coverage when you need it. However, they may be less financially secure.

Companies with lower loss ratios won’t necessarily cover all your expenses should you get into an accident. They are considered more financially secure but aren’t paying out claims.

The table below outlines the loss ratios for personal injury protection, medical payments, and UUM in Wyoming.

Wyoming Auto Insurance Loss Ratios

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

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.

California, New Jersey, and Hawaii all offer government-funded programs designed to help lower car insurance costs for families with limited incomes.

While these states have specific programs, Wyoming does not currently offer a government-funded program for low-income car insurance. However, residents can still find affordable options by comparing car insurance quotes in Wyoming and seeking out discounts from providers.

Sometimes, drivers have trouble finding cheap auto insurance in Wyoming, even if such insurance is required in the state. Companies might refuse to insure them due to their “high-risk” driver status.

Top ways customers save money on their car insurance include bundling policies, maintaining a clean driving record, and taking advantage of available discounts such as good driver or multi-car discounts.

Add-Ons, Endorsements, and Riders

Wyoming requires drivers to carry liability insurance for their safety and the safety of others. Additional options, like rental reimbursement and GAP insurance, may not suit every driver, but some may appreciate the extra protection that cheap auto insurance in Wyoming can provide.

Click the links below to check out add-on options:

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-As-You-Drive or Usage-Based Insurance

These optional coverages can offer enhanced protection and peace of mind, helping drivers customize their insurance policies to suit their specific needs while still maintaining affordable rates for cheap auto insurance in Wyoming.

Discounts for Cheap Auto Insurance in Wyoming

Many providers offer discounts for cheap auto insurance in Wyoming, including savings for safe driving, bundling policies, and maintaining a good credit score.

Auto Insurance Discounts From the Top Providers in Wyoming

The table above shows various discounts offered by top providers of cheap auto insurance in Wyoming, including savings for safe driving, bundling, and more ways to reduce your premium. Car insurance companies that customers recommend often include those with strong customer service, flexible coverage options, and extensive discounts to help you save on your insurance.

Largest Cheap Auto Insurance Companies in Wyoming

Sometimes, when shopping around for car insurance, you want to do business with the biggest company in the game. You might be looking for experienced agents or a provider your friends and family also use. Best car insurance companies often provide extensive resources, a large network of agents, and competitive rates, making them a popular choice for drivers seeking cheap auto insurance in Wyoming.

Here are the top ten largest car insurance companies in Wyoming:

Wyoming Auto Insurance Providers by Market Share

Companies with Best Customer Service Ratings

Financial strength is a great way to size up a company’s worthiness, but it’s not the only way to compare options. You want to choose a company that can provide excellent customer service.

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. The Hartford and American Family round out the top three.

Companies with the Most Complaints in Wyoming

Customer satisfaction ratings can help determine which companies offer the best car insurance in Wyoming. Complaint rankings can help you identify which companies might not be the best.

Car insurance companies that customers recommend are typically those with fewer complaints and better customer service, making it easier for Wyoming drivers to find reliable, affordable coverage.

Complaints don’t necessarily paint the clearest picture of every aspect of an insurance company, but they do signal some issues with human resources and perhaps with the size of the company.

Of course, the more customers a company has, the more complaints they will likely accrue. The following table displays the number of complaints and the complaint ratio for Wyoming’s largest car insurance companies.

Company Complaint Ratios and Total Number of Complaints

In Wyoming, in 2017, Mountain West, Progressive, and State Farm were the top three companies in terms of complaints among car insurance companies in Wyoming.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Wyoming’s State Laws for Auto Insurance

Wyoming’s state laws require all drivers to carry minimum liability coverage, making it essential to find cheap auto insurance in Wyoming—best car insurance companies can help you compare policies to find the best coverage for your needs.

Car Insurance Laws

Car insurance laws can be confusing and frustrating. That’s no fun, especially when trying to find coverage that will protect you and your loved ones.

Luckily, we’ve done the work for you. We’ve got a detailed overview of laws regarding cheap auto insurance in Wyoming that should clear up any lingering questions and concerns you might have, including what kind of car insurance you really need to stay protected on the road.

Penalties for Driving Without Insurance

Even with a mythical history of lawlessness, the Cowboy State requires all drivers to carry cheap auto insurance in Wyoming. Proof of insurance must be in the vehicle or accessed digitally (on a smartphone or tablet). Failing to comply can lead to serious consequences, including the penalty for driving without car insurance, which can involve fines and possible license suspension.

How State Laws for Insurance are Determined

How do states make insurance laws, anyway? Each state has its legislative branch that makes laws regarding automobiles and cheap auto insurance in Wyoming.

States determine the type of tort law, the threshold that applies within their borders, and the type and amount of liability insurance required.

The state of Wyoming requires liability insurance and sets minimums.Its own Department of Transportation is in charge of almost everything involving drivers, cars, car insurance, registration, and driving in Wyoming.

Windshield Coverage

Some states have made laws specific to windshields. They regulate broken and cracked windshields, replacements, and auto insurers’ obligations to customers’ windshields. However, car insurance companies that customers recommend may offer coverage options that include windshield repair or replacement for added protection.

Wyoming is a bit of 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 if such insurance is required in the state. Companies might refuse to insure them due to their “high-risk” driver status. Fortunately, the best car insurance for high-risk drivers options can provide coverage tailored to their needs, ensuring they stay protected on the road.

Younger drivers and those who have had a DUI are often considered high-risk.

The state of Wyoming has a system to make insurance accessible to all. 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’s an entity responsible for connecting drivers with insurance companies that will insure them. WAIP belongs to an association that shares the risk among many companies.

When applying for WAIP, you must prove that you cannot obtain other auto insurance through regular channels.

You must also have a valid driver’s license, money to pay the premium, and arrangements to pay any past-due premiums.

For more information or to apply for WAIP, you can contact any agent licensed to sell auto insurance.

Automobile Insurance Fraud in Wyoming

“Insurance fraud” might sound like a scary phrase, but it doesn’t have to be.

Insurance fraud occurs in many industries, including automobile insurance. Policyholders, applicants for insurance, claimants, and even insurance professionals can commit fraud

Misrepresenting facts on an insurance application counts as fraud, as does submitting claims for damage or injuries that never occurred. This can even affect your ability to get cheap auto insurance in Wyoming.

Other examples of auto insurance fraud include setting fire to your own vehicle, using a false Social Security number on an application, or giving a false address to secure cheap auto insurance in Wyoming. Surprisingly, some people even stage fake accidents.

Insurance companies themselves can commit auto insurance fraud by refusing to pay valid claims or selling bad insurance policies.

Wyoming is one of ten states that does not have an insurance fraud bureau to deal with situations like these. However, Wyoming does consider insurance fraud a crime.

You can contact the Wyoming Department of Insurance if you suspect a company or an individual of insurance fraud. However, you will probably be redirected and asked to file a report through the National Association of Insurance Commissioners.

The NAIC online fraud reporting form can be found here.

Statute of Limitations

You’ll probably want to issue a claim if you’ve been involved in an automobile accident. The statute of limitations describes the amount of time you have after a vehicle accident to issue an insurance claim.

In Wyoming, you have four years to issue a claim related to personal injury. You also have four years to issue a claim related to property damage.

It is best to file as soon as possible to receive the financial help you need. Check consumer car insurance claims ratings or insights into how different insurers handle claims processing and customer satisfaction.

Driver Safety and Traffic Laws in Wyoming

Wyoming’s driver safety and traffic laws focus on promoting responsible driving and reducing accidents. Adhering to these laws can help drivers find cheap auto insurance in Wyoming. Learn more about the best car insurance companies to ensure you’re getting the coverage you need while staying safe on the road.

Teen Driver Laws

Drivers come in all stripes and types. Teen drivers are one large part of the driving population on Wyoming’s many miles of roadway.

They are young, excited, and inexperienced. This is why the state requires plenty of practice before a Wyoming teen can get his or her license.

In Wyoming, restrictions have been implemented to help protect young drivers and those on the road with them. It’s important to be aware of these restrictions, whether you are a teenager, know a teen, or drive on public roadways.

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

Compare RatesStart Now →

Wyoming also has a Parent’s Supervised Driving Program to assist parents in guiding their teenage drivers. The manual is given out at exam stations but can also be downloaded here.

Older Driver License Renewal Procedures

As drivers age, their driving and sight skills can wane a little. Some states have passed additional requirements specific to older drivers. These rules seek to help older drivers and those who know and love them.

In Wyoming, the regulations for the general population and the elderly are identical. All drivers must renew their licenses every five years, and proof of adequate vision is required for all drivers every ten years.

Finally, all renewals must be made in person at the DMV or by mail. There are no online renewals for any drivers, no matter their age. Renewal can be done by mail every other year.

New Residents

Are you moving to Wyoming? If so, you’ll be joining a small but friendly population of drivers.

New Wyoming residents must appear at the local driver exam station to get a Wyoming driver’s license. This should be done within one year of moving to the state. You will need to surrender your out-of-state license.

You will also be photographed and have a vision screening at that time. You will also need to bring several documents. The list of required documents can be found here.

Active-duty military personnel and their dependents do not need to obtain Wyoming driver’s licenses if they will be living in the state.

License Renewal Procedures

All Wyoming drivers must renew their licenses every five years, and proof of adequate vision is required every ten years. Most drivers will not need to take a written or driving exam at the time of renewal.

Every other renewal must be done in person at the DMV, while mail-in renewals are accepted in alternating cycles. Learn more about car insurance companies that customers recommend to ensure you’re covered when it’s time to hit the road.

Negligent Operator Treatment System (NOTS)

Unlike many states, Wyoming does not track traffic violations through a formal point system. Every Wyoming driver does have an official driving record, and traffic violations are tracked on that record. Each county has authority over how it penalizes violations.

Minor traffic violations, such as speeding and improper lane usage, go on your record and, if they build up over time, can result in the loss of driving privileges. Major violations such as DUI, serious accidents, and drug-related offenses often result in driver’s license suspension, revocation, or cancellation.

A driver who commits a major violation can also face fines, community service, jail time, and driving course completion requirements.

You can order a driving record report online if you want to check the status of your driving record.

Rules of the Road

You’ve heard of the “rules of the road.” Even on Wyoming’s vast plains, some laws must be followed.

The rules of the road keep traffic moving safely, efficiently, and respectfully toward other vehicles. Let’s examine some of the most important rules and laws regarding driving in the state of Wyoming, and understand what a driving record is and what it tracks to ensure you’re following the right practices.

Seat Belt and Car Seat Laws

Since 1989, Wyoming has required seat belts for drivers and passengers. Seat belts save lives in car accidents. It’s also worth noting that there are currently no restrictions on riding in pickup truck cargo area in the state of Wyoming.

Below is an overview of seat belt laws in Wyoming.

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 →

Car seat laws are enforced to keep kids and infants safe. Below is an overview of car seat laws in Wyoming.

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 →

This video gives an overview of the popular and life-saving LATCH system that is often used with child safety seats:

Keep Right and Move Over Laws

Wyoming has miles of open highways, but sometimes you will encounter a bit of traffic. In those situations, what do you do?

Well, in Wyoming, the laws are clear. Drivers should stay to the right if driving slower than the average speed of traffic around them. Only move into the left lane if you intend to pass.

If you see an official vehicle on the highway, such as a parked police car with its lights on or a tow truck, move into the lane farthest away from the vehicle. Alternatively, you can slow down to 20 mph less than the posted speed limit. Following these laws and understanding what a driving record is and what it tracks will help you maintain a safe driving history.

Speed Limits

Speed limits are no joke. If you speed, you could receive a steep fine. You could also hurt yourself and others.

It’s critically important that drivers maintain speeds at or below the legal limits at all times. This chart includes Wyoming’s speed limits on various roadway types:

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 →

DUI Laws

Driving while under the influence of alcohol can be a deadly choice. In 2017, Wyoming had 44 alcohol-impaired driving fatalities. That means alcohol-impaired driving accounted for one-third of all driving fatalities in the state. Four of those who lost their lives were under the age of 21.

That same year, 3,253 people were arrested in Wyoming for driving under the influence of alcohol. 28 of those drivers were under the age of 18.

When it comes to fatalities from driving under the influence, even one is too many. The table below offers an overview of 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 →

Thankfully, many people are caught drinking and driving before they have the opportunity to get into an accident.

If you are caught drinking and driving, you can face serious consequences, such as jail time, license revocation, and steep fines. The table below outlines the consequences for those caught driving while intoxicated in Wyoming.

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 →

Marijuana-Impaired Driving Laws

Several of Wyoming’s neighboring states have relaxed their laws regarding marijuana in recent years. Colorado and other nearby states don’t consider marijuana to be an illegal substance. But the state of Wyoming does.

In Wyoming, it is illegal to possess, use, grow, or sell marijuana. It is not approved for recreational or medical use within the state.

If you are caught driving while under the influence of marijuana, you can be penalized. The penalties are identical to those for driving under the influence of alcohol. You can face fines, prison time, and license revocation.

Being aware of what a driving record is and what it tracks is crucial to avoiding such penalties and maintaining a clean record.

Safety Laws

Even if you follow the posted speed limit, wear your seatbelt, and follow all the driving rules you learned in Driver’s Education, you could still run into trouble on Wyoming’s roads.

Unfortunately, some drivers choose to get behind the wheel while they are inebriated or distracted.

In addition to the rules that govern driving in Wyoming, some regulations cover impaired driving, distracted driving, and other safety issues. Below, we’ll explore those rules in more detail.

Distracted Driving Laws

Alcohol and drugs shouldn’t mix with automobiles. But what about cell phones? It seems like everyone has a smartphone these days, and we don’t like to part with them throughout the day, even while driving.

To deal with this safety hazard, many states have issued laws and rules regulating the use of cell phones while driving. In Wyoming, texting is banned for all drivers.

Next time you plan a trip to Wyoming, check out laws in individual cities.

Cheyenne and Green River have both banned handheld cell phone use, but those rules don’t extend beyond the city limits. Handheld cell phones are not banned for drivers elsewhere in the state.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Modern Trends: Ridesharing and Automation

Ridesharing services and vehicle automation are gaining popularity in Wyoming, impacting the auto insurance landscape. These trends may influence rates for cheap auto insurance in Wyoming. Understanding what kind of car insurance you really need will help you navigate these changes and find the right coverage for your situation.

Ridesharing

Whether you’re looking for a ride to and from the airport or just going home after a late-night event in downtown Cheyenne, you might be using a rideshare service. These days, companies like Lyft and Uber are incredibly popular.

Ridesharing also offers a way for drivers to add an income stream. However, if you’re going to drive for Uber or Lyft, you’ll want to make sure you’re protected with cheap auto insurance in Wyoming.

for Uber or Lyft, you’ll want to make sure you’re protected with cheap auto insurance in Wyoming.

If you or someone you know is considering getting into the ridesharing business, you should note that only a few of Wyoming’s insurance providers offer coverage for rideshare drivers. Best rideshare car insurance companies include:

Those providers are:

• State Farm
• Geico
• USAA

Some of these coverages are simply extensions to your regular insurance policy. As with your usual auto insurance, it can be helpful to shop around for the best auto insurance in Wyoming to see which company can offer the best quote.

Automation on the Road

Buzzwords like “self-driving,” “autonomous,” and “connected” seem to be everywhere, especially in the field of automobile technology.

Car manufacturers, legislatures, and consumers are all looking ahead to a time when the driver might not have to drive. It could be sooner than we think!

Wyoming is one of only a few states that have not passed legislation concerning the testing or deployment of autonomous vehicles.

However, in 2015, Wyoming, Florida, and New York received a grant from the US Department of Transportation to participate in a pilot program about connected vehicles. That program is being tested in southern Wyoming along the I-80 corridor.

Casual drivers won’t encounter the project on their daily drives. The connected vehicles in question are likely to be snowplows, trucks, and emergency vehicles—and they won’t be autonomous, just connected to advanced technology.

Vehicle Theft and Road Safety in Wyoming

Vehicle theft and road safety are growing concerns in Wyoming, affecting insurance rates. Drivers should prioritize security measures to maintain cheap auto insurance in Wyoming. What kind of car insurance you really need depends on ensuring you have the right balance of coverage to protect against these risks, such as comprehensive insurance that covers theft and other potential damages, alongside liability and collision coverage.

Vehicle Theft in Wyoming

Hopefully, you won’t ever have to deal with vehicle theft. But it does happen, even in Wyoming. These are the top stolen vehicles in the state for 2017.

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 →

The full-size Chevy Pickup is the most stolen vehicle. The 2007 version was stolen the most, but other years were also stolen. Trucks of many makes and models are stolen throughout Wyoming each year.

Where does vehicle theft happen in Wyoming? As you might imagine, Cheyenne is the biggest site for theft. Casper, in central Wyoming, is a close second. Car insurance companies that customers recommend can help you find policies with comprehensive coverage to protect against vehicle 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 →

Road Fatalities in Wyoming

Next, we’ll discuss road fatalities. This certainly isn’t a pleasant subject, but a good look at the statistics can help us make choices to keep ourselves (and others) safe on the roads.

There are many ways to think about road fatalities. We’ll look at a few that might give you insight into the risks and realities of road fatalities in Wyoming. This also highlights another factor in why car insurance is so expensive in some areas—higher risks on the road can lead to higher insurance premiums.

Fatalities by Crash Type

Let’s consider crash type when it comes to fatal automobile incidents.

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 →

As the table shows, many crashes involve just one vehicle. Road departures, rollovers, and speeding are fairly common. Most do not involve large trucks. This highlights the importance of understanding what kind of car insurance you really need—whether it’s for liability, collision, or comprehensive coverage, to ensure you’re fully protected in case of such incidents.

Fatalities (All Crashes) by County

We can also look at automobile accident fatalities in specific counties.

The top 10 counties for automobile accident fatalities appear below:

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 →

Natrona and Fremont counties top the list. Natrona County is the second-most populous county in Wyoming, as it contains the city of Casper. I-25 runs through Natrona County. Fremont County encompasses some forest lands and the Wind River Reservation.

Carbon County, which rounds out the Top 3, is sparsely populated but includes a portion of I-80, the deadliest highway in the state. To protect yourself on Wyoming’s roads, choosing from the best car insurance companies ensures you’re well covered for any accidents or incidents, especially in these high-risk areas.

Transportation and Commuting in Wyoming

Transportation and commuting in Wyoming often involve long distances due to the state’s rural nature. Residents typically rely on personal vehicles, influencing cheap auto insurance in Wyoming. To get the best deals, comparing quotes from car insurance companies that customers recommend is essential for affordable and reliable coverage.

Car Ownership

Even though they love their trucks, Wyomingites have about as many cars as average Americans. Most Wyoming households are home to two or three vehicles. To ensure those vehicles are properly protected, it’s important to explore the best car insurance companies to find the right coverage at affordable rates.

Transportation

Now that you know what types of insurance are necessary for traveling in the Equality State and what laws and regulations you need to follow, you can get ready to drive across Wyoming.

As one last step, we’ll examine what you can expect in terms of transportation in the state. Car ownership, commute time, and type of commute are all important (and interesting!) stats.

Commute Time

Finally, here’s some good news. Wyoming’s average commute time is 16 minutes shorter than the average across the United States.

This could be because many Wyoming residents work on their own property or on nearby land. Whatever the reason, we aren’t complaining.

Commuter Transportation

Like in other states across the country, Wyoming residents love to drive to work alone. That’s what most people do, anyway. About 10 percent of workers in the state use some type of carpool, and very few walk or bike to work. With this commuting, it’s essential to know what kind of car insurance you really need to stay protected on the road and ensure you have the right coverage for your daily drives.

EMS Response Time

One factor you may not have considered regarding accidents is EMS response time. While accidents can be fatal, they don’t have to be, especially if emergency services work quickly to get to and from the scene.

The table below shows the difference in EMS response times across urban and rural parts of 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 →

In general, an EMS response is faster in an urban area where hospitals, ambulances, and other medical services are nearby. In urban areas, crash victims arrive at hospitals faster.

Most fatal crashes in Wyoming happen in rural areas, but it is worth remembering that most of the state’s land is considered “rural.”

Traffic Congestion in Wyoming

Cheyenne, the largest city in Wyoming, has only about 66,000 people. Though it might be considered “the city” in Wyoming, it doesn’t have enough traffic congestion to rank it on any nationwide or global traffic congestion data sites.

If you are traveling through Wyoming and looking for traffic information, you can use one of WYDOT’s resources. The solar eclipse in 2017 caused record-high traffic times in the state. Will the state ever see traffic at that volume again? Time will tell.

For now, here’s a clip of a “Wyoming-style” traffic jam:

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Cheapest Companies for Cheap Auto Insurance in Wyoming

Wyoming doesn’t have endless car insurance options, but it has enough to make shopping for cheap auto insurance in Wyoming a challenge! There are many factors to consider when choosing a car insurance provider.

Securing cheap auto insurance in Wyoming doesn’t mean sacrificing coverage. Comparing rates while ensuring proper protection can prevent unexpected financial strain after an accident.

Chris Abrams Licensed Insurance Agent

Of course, one of the most important factors is price. Car insurance companies offer a wide range of rates, and we’re here to help you find the best car insurance companies that offer affordable coverage for your wallet.

State Laws

Ready to get behind the wheel and take a road trip through Wyoming? Not quite. First, you’ll want to ensure you understand the state’s driving laws comprehensively. That way, you can feel safe and secure on your next trip to the Tetons.

Did you know that auto insurance, road safety, and driving laws differ from state to state? Whether taking a road trip or planning a big move, now’s the time to read up on what kind of car insurance you really need and Wyoming laws for cheap auto insurance.

State-Specific Laws

Wyoming’s driving and automobile insurance laws are generally similar to those in other states.

In fact, with no laws regarding windshields and no insurance fraud bureau, Wyoming might be on the lighter side when it comes to auto legislation. However, a couple of relatively new laws are interesting to note. Check out the State Farm site for more details on coverage options in Wyoming.

In July 2013, a law was signed stating that Wyoming drivers can legally exceed the speed limit by up to 10 mph on a two-lane highway—but only to pass vehicles traveling slower than the speed limit.

The posted limit must be 50 mph or higher, and motorists can only pass one vehicle at a time.

Additionally, the Wyoming Department of Transportation is now authorized to charge a $125 fee for drivers applying for an ignition interlock-restricted license.

Penalty for driving without car insurance in Wyoming is also an important aspect of the law. Drivers caught without valid insurance can face fines, license suspension, and possible vehicle impoundment. So, make sure you’re covered!

Later on, we’ll learn more about speeding and DUI-related laws in Wyoming.

Forms of Financial Responsibility

In Wyoming, drivers must furnish proof of financial responsibility. Usually, this means a certificate of insurance, but they also have two other options when seeking cheap auto insurance in Wyoming.

A Wyoming driver may provide proof through a surety bond obtained from a company licensed in Wyoming. They may also provide proof through a $25,000 deposit in cash or securities, which the state treasurer must hold.

Evidence of one of the above financial responsibilities must be with you whenever you drive. In Wyoming, you are legally permitted to carry electronic proof of insurance.

When considering the best car insurance companies, it’s important to research companies that offer both traditional and alternative financial responsibility options while ensuring they meet the state’s requirements and your personal needs.

Vehicle Licensing Laws

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

Real ID

One licensing law you’ve probably heard about is REAL ID. The REAL ID Act, passed in 2005, set federal standards for the issuance of driver’s licenses.

States have taken their time implementing the act, but it will be applicable across the United States in 2020.

Wyoming is on the “compliant states” list. Wyoming drivers with REAL IDs should have no trouble flying or traveling across the United States with their licenses. Look for the star in the upper corner of the license.

Federal agencies accept identification cards and driver’s licenses from Wyoming at federal facilities, including nuclear power plants. If you get a new ID in Wyoming in the near future, it will likely be a REAL ID.

Vault vs. No-Fault

States handle the “blame” for auto accidents differently. In no-fault states, no blame is assigned for accidents, and insurance companies automatically cover drivers’ medical expenses.

On the other hand, Wyoming is not a no-fault state; it is an at-fault state. (Most states in the US are at-fault states.) When an auto accident occurs in Wyoming, the blame will be placed on someone, and the party who caused the accident is financially responsible for all damages to other parties.

This is why it’s legally required (and smart) to carry cheap auto insurance in Wyoming.

Is Wyoming a no-fault state? No, it operates under an at-fault system.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Wyoming’s Car Culture

Exactly how big is Wyoming? Well, it covers over 98,000 square miles. That’s a lot of land, and almost half of it is owned by the federal government.

When you come to Wyoming, you’ll notice there are miles and miles of roads but few people. At just under 600,000 people, the Cowboy State has the lowest population in the country.

While it may sound contradictory, Wyoming’s small population covers more miles in their cars yearly than any other state nationwide. That’s right: Wyoming residents drive the most. For more information on coverage tailored to high-mileage drivers, visit the Travelers site.

Perhaps those residents are visiting National Parks, driving carefully down mountain passes, or navigating the difficult winter weather. Or maybe they’re just running back and forth to the grocery store.

Wyoming roads are full of locals and tourists who flock to the state for adventures and majestic views. To enjoy these scenic drives worry-free, ensure you’re protected with the best car insurance companies that offer coverage suited for long-distance driving and varied road conditions. These companies often provide specialized options to cater to Wyoming’s unique driving habits and needs.

Driving in Wyoming

Don’t let anyone tell you that driving in Wyoming isn’t fun. Sure, we have gale-force winds, winding mountain roads, and winter storms that seem to last for weeks.

But we also have beautiful sunrises and sunsets that stretch across the plains, gorgeous views into dappled valleys, and some of the most magnificent National Parks in the country.

If anything, driving in Wyoming is an adventure. There’s always something to see and do.

Hopefully, all of your Wyoming experiences will be positive ones. Still, you may run into trouble in the Cowboy State, just like you might in any other region. Next, we will look at some of the statistical realities of driving in Wyoming. We will look at some of the statistical realities of what a driving record is and what it tracks.

Your driving record contains information about your traffic violations, accidents, and other incidents on the road. Insurance companies use your driving record to assess risk and determine your car insurance premiums. Keeping a clean record can help you qualify for discounts and cheap auto insurance in Wyoming.

Most Fatal Highway in Wyoming

Each state has a highway that can be considered the most fatal. These long, busy stretches of road are some of the most dangerous and often some of the most heavily trafficked. The Wyoming section of I-80 sees over 17 fatal crashes each year. This interstate snakes across the southern third of the state, following part of the old Oregon Trail. Over 10 years, there were 175 crashes and 207 fatalities on the Wyoming section of this road.

When navigating Wyoming’s highways, it’s crucial to consider what kind of car insurance you really need. While Wyoming requires minimum liability coverage, it may not be enough to protect you fully, especially on high-risk roads like I-80. Comprehensive and collision coverage can provide extra protection for vehicle damage, and additional liability coverage helps cover more significant accident costs. Optional coverage like uninsured/underinsured motorist insurance can also offer protection in case of incidents involving drivers with insufficient insurance.

Fatal Crashes by Weather Condition and Light Condition

Weather and light can contribute to automobile accidents and accident-related deaths.

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 →

You might be surprised by what the table shows. Most fatal accidents actually occur during normal weather rather than icy or otherwise wintry conditions. They also occur in darkness. If you must drive in the dark, it is best to choose areas that are well-lit.

Here are some tried-and-true tips for navigating bad weather in a vehicle:

• Slow down and allow more space between vehicles.
• Use headlights in low visibility conditions like fog or rain.
• Avoid sudden braking or sharp turns.
• Ensure tires are well-maintained for optimal traction.
• Keep an emergency kit in your vehicle in case of an accident or breakdown.

When it comes to finding coverage that protects you in varying conditions, check out car insurance companies that customers recommend. Customer reviews and recommendations can guide you to companies that provide responsive service and helpful claims assistance, especially in adverse weather-related situations.

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 →

As you can see, fatal car accidents in Wyoming are much more likely to occur in rural areas, even across nine years. This is likely because most of Wyoming is considered “rural.”

Fatalities by Person Type

We can also examine fatalities by crash type. Fatal accidents can occur both on and off the roadway. Some involve many cars, while others involve just one.

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 →

Many Wyoming drivers prefer trucks, which means there are more accidents involving various types of trucks in this state.

Traffic accidents in Wyoming aren’t limited to trucks and cars, though. There are a fair number of fatal motorcycle accidents where motorcycle accident lawyers help families get insurance money for medical bills and damages.

Historically, very few accidents have involved pedestrians or bicyclists.

Five-Year Trend for the Top 10 Counties

The part of Wyoming in which one lives can affect the number of fatal crashes a person might see each year. We’ve done the math to see the five-year trends for Wyoming’s various counties.

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 →

Fatalities Involving Speeding by County

Pushing the speed limit can cause an idyllic drive to turn into a violent crash—fast. Speeding is often a major factor in fatal car accidents. We’ve crunched the numbers to display the number of 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 →

When accidents happen, understanding what liability car insurance covers is essential. Liability insurance is the basic form of coverage required by law in most states. It covers the costs of damages or injuries you cause to others in an accident.

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

Another factor when it comes to fatal car accidents? Alcohol. The following table shows the number of fatalities caused by alcohol-impaired driving. The numbers are not surprising, but they are sad.

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 →

This brings up an important question: Why is car insurance so expensive?

One reason is that insurance companies consider factors like alcohol-related accidents when determining rates. Drivers with a history of DUIs or reckless driving pose higher risks, so companies charge more to cover potential claims.

Teen Drinking and Driving

Drinking and driving is dangerous, but it’s arguably even more dangerous to be a teenager who is drinking and driving. In Wyoming in 2016, there were 1.9 under-21 alcohol-related driving deaths per 100,000 people. That’s significantly higher than the national average of 1.2.

In 2016, Wyoming police made 26 DUI arrests involving people under the age of 18. That puts Wyoming at fourth in the country for teen DUI arrests, based on the state’s population.

Additionally, the state ranks #3 out of 50 states for total DUI arrests based on the population. In 2016, police arrested 3,082 individuals for driving under the influence.

 

And… that’s it! Now you know everything (well, almost everything) there is to know about driving in Wyoming.

If you’re a current or future resident of the Cowboy State, enter your ZIP code below 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.

What is the cheapest reliable car to insure?

The Honda Civic is often considered one of the cheapest 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, 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. These rates depend on individual factors like driving history and coverage needs.

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 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.