Key Takeaways
- Bristol West, Dairyland and Progressive offer some of the cheapest car insurance in Wyoming.
- The average cost of minimum coverage in Wyoming is around $90 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Wyoming.
You may find cheap car insurance in Wyoming from insurers like Bristol West, Dairyland and Progressive. These companies were among the most affordable options in the state, according to real quotes for Jerry customers.
Here are more cheap insurers in Wyoming for both minimum and full coverage, plus by age, driving history and credit score.
To find the best car insurance in Wyoming, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in Wyoming
Wyoming drivers who want the most affordable route to legal coverage often choose minimum liability policies. These cover the costs of harm you cause in a crash, while leaving your vehicle’s repair or replacement to you. They’re commonly used by those with older vehicles or a strong safety record. To get the best rate, Wyoming residents should compare offerings from a range of local and national insurers.
Here are the most affordable auto insurance companies in Wyoming for minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $53 | $638 |
| Dairyland | $81 | $975 |
| Progressive | $82 | $987 |
| Bristol West | $105 | $1,264 |
Minimum car insurance requirements in Wyoming
Wyoming’s minimum car insurance requirements are:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $20,000 in property damage liability per accident.
Cheap full coverage car insurance in Wyoming
Securing cheap full coverage car insurance in Wyoming requires choosing a policy that can handle both rural and urban driving risks. Full coverage usually includes liability, collision, and comprehensive — covering hazards like wildlife collisions, hail, fire and theft — ensuring your vehicle and others are financially protected. If your car is newer or valuable, this coverage is especially important. Wyoming drivers should explore a range of options to find the best full coverage policy for their situation.
Here are the most affordable insurers in Wyoming for full coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $57 | $684 |
| Mendota | $100 | $1,205 |
| Safeco | $149 | $1,786 |
| Trexis | $150 | $1,802 |
| Progressive | $156 | $1,866 |
| Dairyland | $211 | $2,530 |
| Bristol West | $226 | $2,716 |
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in Wyoming
Young drivers in Wyoming are frequently charged more for car insurance due to limited experience. Insurers see this as risky, regardless of a driver’s personal habits. Premiums drop as drivers prove themselves with safe behavior over time. Wyoming teens can reduce costs by maintaining clean records and using insurer-monitored tracking tools.
Below are the average costs of car insurance in Wyoming for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $306 | $3,676 |
| 21-24 | $145 | $1,736 |
Average auto insurance costs for mature drivers in Wyoming (25-54)
In Wyoming, long-time drivers often receive lower insurance quotes because they’ve proven they can drive safely in all seasons. That reliability means insurers can offer better deals so years of steady driving turn into real savings on premiums.
Below are the average costs of car insurance for drivers in Wyoming between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $127 | $1,521 |
| 35-44 | $127 | $1,521 |
| 45-54 | $126 | $1,517 |
Average car insurance costs for older drivers in Wyoming (55+)
In Wyoming, drivers aged 55 and up could face higher insurance premiums due to the demands of rural travel and harsh weather. As reflexes and vision change with age, insurers reassess coverage needs. Long drives with limited emergency services pose added concern. These realities shape the cost of staying protected on the road.
Below are the average costs of car insurance for drivers in Wyoming 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $99 | $1,188 |
| 65+ | $79 | $949 |
Cheapest car insurance in Wyoming by driving history
Your driving history helps insurers determine how likely you are to have future accidents or claims. A record with repeated issues may lead to increased premiums and your history gives insurers a snapshot of your driving habits. It’s one of the key factors in evaluating your policy.
Cheap car insurance for drivers with clean records in Wyoming
Wyoming drivers with clean records are more likely to access lower premiums and better coverage options. A violation-free history indicates responsible driving behavior. Insurers reward that with favorable terms. It also helps simplify the renewal or shopping process.
Here are the most affordable insurers in Wyoming for those with clean driving records, according to real car insurance quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $111 | $1,334 |
| Safeco | $115 | $1,378 |
| Bristol West | $130 | $1,558 |
| Dairyland | $141 | $1,692 |
Cheapest car insurance with a speeding ticket in Wyoming
Speeding tickets in Wyoming may raise your insurance premiums or trigger policy changes. These violations show a moment of risk-taking on the road and even isolated events are considered in risk evaluations. Insurers document all tickets and citations as part of your profile.
Here are the most affordable insurers in Wyoming for those with a speeding ticket, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $33 | $400 |
| Dairyland | $139 | $1,671 |
| Progressive | $164 | $1,965 |
| Bristol West | $193 | $2,316 |
Cheapest car insurance after an at-fault accident with no injury in Wyoming
An at-fault accident in Wyoming without injuries still has consequences. Property damage claims require financial attention and insurer resources. Your premiums may increase as a result a these events stay on your record and affect future reviews.
Here are the most affordable insurers in Wyoming for those with an at-fault accident with no injury, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $60 | $722 |
| Progressive | $122 | $1,468 |
| Dairyland | $133 | $1,595 |
| Bristol West | $165 | $1,983 |
Cheapest auto insurance after an at-fault accident with injury in Wyoming
Causing injuries in an accident places you in a higher risk category. These situations involve significant liability and insurance companies respond with rate hikes or stricter terms. The effects can persist through multiple policy cycles.
Here are the most affordable insurers in Wyoming for those with an at-fault accident with injury, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| National General | $57 | $684 |
| Mendota | $100 | $1,205 |
| Bristol West | $141 | $1,692 |
| Trexis | $150 | $1,802 |
| Progressive | $267 | $3,205 |
Cheapest car insurance with a DUI in Wyoming
A DUI offense is viewed as a serious breach of safety. Insurers typically raise premiums and may restrict access to standard policies. The violation marks you as high risk and the long-term consequences affect future insurance shopping.
Here are the most affordable insurers in Wyoming for those with a DUI, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $85 | $1,016 |
| Dairyland | $178 | $2,136 |
| Bristol West | $208 | $2,490 |
Average auto insurance costs for Wyoming drivers with other violations
Other traffic violations in Wyoming — like reckless driving or ignoring right-of-way laws — affect how insurers classify your risk. These offenses build a profile of your behavior on the road. Too many can lead to higher premiums or limited policy access whereas a clean record offers the best chance at savings.
Below are average car insurance costs in Wyoming for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Cell Phone | $83 | $1,000 |
| Failure to Obey Traffic Sign | $174 | $2,083 |
| Improper Passing | $119 | $1,433 |
| Other | $64 | $769 |
| Suspension | $127 | $1,523 |
Cheapest auto insurance for low credit scores in Wyoming
Wyoming insurers might use your credit score to get a broader view of your reliability. A poor score can raise red flags about potential financial or claim issues and this often leads to policy changes or rate increases. Credit history is also part of the full evaluation on your policy.
Here are the cheapest auto insurance companies in Wyoming for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $121 | $1,450 |
| Dairyland | $139 | $1,665 |
| Bristol West | $146 | $1,754 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in Wyoming
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
More: Best car insurance companies
Factors that affect car insurance costs in Wyoming
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
More: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
