Best Auto Insurance in Wyoming (2025)
Compare top-rated auto insurance companies in Wyoming. Find affordable coverage that meets WY state requirements and save up to 40% on your premium.
$1,087
Avg. Annual Premium
25/50/20
Minimum Coverage
Cheyenne
Largest City
577,000
Population
Wyoming Auto Insurance Requirements
Wyoming has the lowest population density in the US, contributing to affordable insurance rates.
Minimum Liability Coverage: 25/50/20
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Wyoming
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Wyoming can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Wyoming use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Wyoming Auto Insurance FAQs
What is the minimum auto insurance required in Wyoming?
Wyoming requires minimum liability coverage of 25/50/20 (bodily injury per person/per accident/property damage). Wyoming has the lowest population density in the US, contributing to affordable insurance rates.
How much does car insurance cost in Wyoming?
The average annual car insurance premium in Wyoming is $1,087. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Wyoming?
Key factors affecting Wyoming auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Cheyenne typically pay more than those in rural areas.
How can I find cheap car insurance in Wyoming?
To find affordable car insurance in Wyoming: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
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