Good news for Wyoming drivers: Jerry’s latest data shows that liability coverage in the Cowboy State averages about $127 per month. Over the past year we’ve helped 711 Wyomingites lower their premiums, and those who switch with Jerry save an average of $2,076 annually without giving up essential protection.
Jerry compares quotes from up to 5 trusted insurers in Wyoming to build your policy and secure your best price in minutes.
Save on Wyoming insurance with Jerry.
What Wyoming drivers are paying right now
Wyoming’s insurance prices shift more than you might expect. Wide-open highways, high rural crash severity, long towing distances and the state’s heavy winter conditions all shape what you pay. Even two drivers with similar profiles can see different premiums depending on where they live.
Jerry tracks live quotes statewide to show you what drivers are actually paying right now. Below are recent full coverage policies purchased through Jerry and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Check your rate now and then. In Wyoming, everything from winter storms to wildfire seasons to small shifts in your driver profile can move your renewal price.
4 smart ways Jerry helps Wyoming drivers save on car insurance
Finding a low price is important. However, long-term savings come from understanding which factors actually shape Wyoming’s rates, and how to adjust what you can without weakening your coverage.
Jerry makes that easy by comparing real offers, finding discounts you’re eligible for and showing you exactly where you can save.
Here are our top tips to help you spend and worry less while shopping for your best car insurance in Wyoming.
| How to save | Average Wyoming driver savings |
|---|---|
| Compare quotes | 40% to 61% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Keep a clean driving record | 75% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Wyoming’s road environment is unlike anywhere else. Drivers face high-speed rural highways, long emergency response times, harsh winter passes, open-range wildlife, and some of the longest towing distances in the country. Insurers weigh these risks very differently, which is why quotes can vary dramatically.
Comparing side by side rates with Jerry is the fastest way to make sure you aren’t overspending.
Why it matters: A driver in Casper may face different risks than someone in Star Valley or on the I-80 corridor. Jerry shows these pricing gaps instantly so you can pick the best value.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Many Wyoming drivers qualify for discounts they aren’t using like safe-driver incentives, paperless billing, multi-policy bundles, student discounts and anti-theft features. Because insurers don’t always apply them automatically, it’s easy to miss money you’re entitled to.
Jerry identifies all of your discount matches so nothing gets overlooked.
Key takeaway: Stacking discounts usually delivers bigger savings than raising deductibles alone.
Jerry Agent Tip 3: Pick the right deductible
Choosing the right deductible can significantly change your premium. Wyoming drivers deal with icy interstates, high winds, hailstorms, long-distance commuting and heavy wildlife exposure, so make sure your deductible is something you can comfortably afford if you need to file a claim.
Here’s what Jerry drivers chose for their deductibles in the past year:
To choose a deductible that fits your finances:
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Review your car’s value (Jerry updates this monthly).
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Decide what you could realistically pay out of pocket.
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Compare how each deductible option affects your rate in real time.
The Jerry difference: Jerry displays multiple deductible options instantly so you can pick the best balance of affordability and protection.
Jerry Agent Tip 4: Keep a clean driving record
In Wyoming, violations don’t just add points, they add major cost. Jerry data shows that a single ticket or moving violation raises premiums by 75% on average, one of the steepest increases in the country. High-speed rural roads, long-distance travel and winter risk factors mean insurers respond aggressively to infractions.
Staying ticket-free is one of the strongest ways to keep your premium down. And once a violation falls off your record, Jerry reminds you to re-shop your policy, so you cann claim savings the moment you’re eligible.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Wyoming requires 25/50/20 liability coverage, but that minimum won’t protect your own vehicle. Here are the coverage tiers you’ll see when you shop:
Minimum
$37 – $66/mo
Meets Wyoming’s liability requirements but doesn’t cover your own car.
Full
$91 – $189/mo
Adds collision and comprehensive, often required for leased or financed vehicles.
Preferred
$79 – $159/mo
Offers higher limits, lower deductibles and extras like towing or rental reimbursement.
Key takeaway: Start with your own risk comfort and your car’s value. Jerry shows real-time pricing across every coverage tier so you can choose confidently.
The cheapest Wyoming policy is liability-only, but a few well-priced add-ons can make a big impact when unpredictable weather or wildlife strikes.
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Coverage definitions
Wyoming insurance factors at a glance
Wyoming’s unique driving landscape plays a major role in what you pay for insurance. Insurers look closely at road conditions, crash severity and wildlife exposure when setting premiums.
Long rural miles
High-speed two-lane highways increase crash severity, so full coverage is valuable.
Winter conditions
Snow, black ice and strong winds boost collision risk.
Wildlife collisions
Wyoming ranks among the highest for deer and antelope impacts, which falls under comprehensive protection.
Low population density
Longer tow distances and higher repair logistics influence claim costs.
Wyoming Insurance After a Ticket, Accident or SR-22
Jerry ensures that one mistake doesn’t lock you into high prices forever by partnering with insurers that consider your full profile. As your record improves, we’ll help you revisit your policy to potentially lock in even lower rates.
If you got a ticket
Wyoming uses a point system, and violations like speeding, careless driving or unsafe passing can stay on your record for years. A single ticket can raise your premium dramatically, but some drivers qualify for court-approved defensive driving courses that may lessen the impact.
Once the violation clears, Jerry helps you check for a better rate.
Here are the average rate increases we’ve seen for Wyoming drivers after a ticket:
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Speeding under 15: 8%
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Speeding over 15: 8%
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Failure to obey traffic sign: 4%
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Reckless driving: 14%
Based on Jerry customers with clean driving records and Jerry customers with one or more tickets who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Wyoming is an at-fault state. After an at-fault crash, drivers see premiums rise by 18% on average, and those increases often last three to five years. Jerry finds your lowest available price now and monitors your policy when the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| At Fault With No Injury | $193 |
| Not At Fault | $240 |
Based on Jerry customers with clean records and those with one or more accidents who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in Wyoming triggers stiff penalties and steep insurance increases. The average driver sees rates climb by 46%, with elevated premiums lasting for years.
Jerry identifies insurers that offer more reasonable high-risk pricing and helps re-shop your policy as your record improves.
Here are the cheapest insurers for Wyoming drivers after DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $114 | Yes | |
| $239 | Yes | |
| $305 | Yes | |
Based on Jerry customers with clean driving records and Jerry customers with one or more DUI convictions who found savings in the past 18 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Wyoming
Wyoming may require an SR-22 filing after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app to view only insurers that handle the filing. Most charge around $25 per year.
Car Insurance with Bad Credit
Wyoming allows insurers to use credit-based insurance scores when setting rates. Your credit can influence your premium, but your driving record, coverage level, mileage and insurance history play major roles as well.
Keeping continuous coverage, avoiding violations and choosing the right deductible often matter even more. Jerry helps you compare prices instantly so you always get your best rate, regardless of credit.
Average rates in Wyoming by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Drive with confidence
Wyoming’s mix of rural highways, mountain passes, harsh winters and widespread wildlife means the cheapest policy isn’t always the one that will protect you. The right coverage is the one built around the way you actually drive.
Jerry makes that simple by comparing real quotes, tailoring your policy and helping re-shop whenever your price can improve.
Get Wyoming quotes in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
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.
