Cheap Car Insurance in Wyoming

Searching for Wyoming automobile insurance? Sometimes searching for a provider can be challenging. But with, it’s as basic as keying in your zip code. We can provide you with the top 10 insurance providers in your area, whether you live in a big city like Cheyenne, Casper, or Laramie, or a lesser populated area such as Gillette or Rock Springs.

Wyoming Auto Insurance – Average Premiums

State average rates for vehicle insurance in Wyoming fall around $78 monthly for many motorists. Fortunately, there are several cheaper areas, for example Casper, where monthly bills can dip lower to $61 or lower every month. However, there’s also places like Rock Springs in which the average rates can climb up to $84/month.

Average Monthly Auto Insurance Costs in Wyoming Legend: Major City Rock Springs Casper Cheyenne Gillette Laramie State Average 10 20 30 40 50 60 70 80 $84 $61 $81 $81 $82 $78


Another factor that will affect the cost of your car insurance policy is your age. Older motorists, especially those between the ages of 50-65 have the statistically safest driving records of any age driver.

Important Wyoming Auto Insurance Laws and Requirements

Getting cheap Wyoming car insurance isn’t too difficult. There are very few required coverage purchases. Liability is required, of course, with 25/50/20 minimum limits. There aren’t any UM/UIM requirements, and because Wyoming doesn’t have any no-fault laws, you won’t be required to buy no-fault insurance either.

CoverageRequirementsMost Common
Bodily Injury Liability25,000/50,000100,000/300,000
Property Damage Liability20,000100,000
Uninsured Motorist Bodily InjuryNot required25,000/50,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required100 deductible

Choosing the Right Amount of Wyoming Car Insurance Coverage

Wyoming only requires the basic forms of coverage when it comes to Liability insurance for any motorist who wishes to drive legally. But will that help you out if, say, you break down on the side of the road? Only if you have optional coverage, such as Roadside Assistance, on your policy.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Rock Springs Casper Cheyenne Gillette Laramie State Average 15 30 45 60 75 90 105 120 135 $24 $144 $28 $94 $25 $137 $25 $137 $13 $142 $23 $131


Wyoming DUI Laws

Convicted of your first DUI offense? Find out what penalties you may face: a maximum of six months in prison; a fine of up to $750; your license may be suspended for 90 days; if your BAL us above 0.15, you will have an ignition interlock device installed on your vehicle for 6 months; and you may be required to undergo a substance abuse assessment.

Not every driver is required to file an SR-22. These are for special cases when motorists have been convicted of serious driving violations. These include causing an accident or being caught driving without insurance. You may also need an SR-22 if you have been convicted of a DUI. Many of these convictions will result in a suspended license, and in many states, you will not be able to get your license back until you file an SR-22. The state of Wyoming, for example, is a state which requires an SR-22 to be filed before your license is reinstated.

DUI Car Insurance Costs in Wyoming Legend: Clean Record DUI Violation Rock Springs Casper Cheyenne Gillette Laramie State Average 5 10 15 20 25 $24 $28 $28 $29 $25 $27 $25 $26 $13 $25 $23 $27


Age Limit Laws

GDL laws are different in every state, but the rules in Wyoming are actually quite simple. The Learner’s stage permit can be as short as 10 days, but graduating to an intermediate license requires that you be at least 16 years of age (teenagers can qualify for a learner’s permit at 15 years) and that you have 50 hours of supervised driving (10 of them at night) before getting the official intermediate permit. During the first 6 months of the intermediate stage, young drivers cannot be on the road between 11:00 PM and 5:00 AM, and cannot have more than one passenger under 18 who is not related to them riding along in the vehicle. At 16 years and 6 months, they may qualify for a full license.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Rock Springs Casper Cheyenne Gillette Laramie State Average 10 20 30 40 50 60 70 80 90 100 $59 $102 $70 $64 $58 $71


Credit Score Laws and Regulations

For those who have an undesirable credit rating in Wyoming, you can end up having to pay nearly double the rate of a person with a decent or excellent credit rating. Even though that appears like a high number, that’s really great news. In many states, that discrepancy is generally much greater.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Rock Springs Casper Cheyenne Gillette Laramie State Average 5 10 15 20 25 30 $13 $29 $23 $33 $19 $30 $19 $30 $11 $28 $17 $30


Insuring your Vehicle in Wyoming

Ever hear the myth “insurance follows the driver”? Well, it actually follows your vehicle first and foremost. That’s why you’ll get questions about your vehicle in addition to questions about you, such as make, model, mileage, and more.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Rock Springs Casper Cheyenne Gillette Laramie State Average 15 30 45 60 75 90 105 120 135 $24 $141 $28 $141 $25 $140 $25 $141 $13 $141 $23 $141


Additional Wyoming Auto Insurance Laws and Requirements

Everything we have talked about to date may appear like enough detailed information online. But even beyond such things as where you reside, or what vehicle you drive, you can find more traffic laws and regulations which could come with an effect on your rates:

Highway Safety Laws

Whether good or bad, the state of Wyoming does not have laws and regulations at this time that charge motorists with aggressive driving when they are actually caught driving unsafely. Clearly, such things as running red lights or stop signs continue to be not legal, but carrying out such harmful actions while driving won’t lead to an additional penalty of aggressive driving.

Aggressive DrivingNo state law
Cell Phones and Texting LawsPrimary all-driver ban (texting)
Inc. Penalty for High BACBAC 0.15
Admin. License Susp. on 1st Offense90 days

Speed Limits and Cell Phone Use

So far in Wyoming, there is only a ban on texting (and not all cell phone use) This is an all-driver ban, and it comes with a primary level of enforcement. This means that you can be pulled over immediately and ticketed if law enforcement catches you texting while driving.

Rural Interstate75 mph
Urban Interstate75 mph
Other Limited-Access65 mph

Important Wyoming Contacts

Wyoming Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State Wyoming Website

Wyoming Department of Insurance How to contact directly:

Wyoming Dept. of Insurance Herschler Bldg.
3rd Floor, East 122 West 25th St.
Cheyenne, WY 82002
Phone: 1-307-777-7401

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