Cheap Auto Insurance in Wyoming — Compare & Save Up to 40%

Cheapest Auto Insurance Companies in Wyoming (2026)

We compared full coverage rates from the top auto insurance companies in Wyoming. Here are the cheapest options based on a 35-year-old driver with good credit and a clean record:

Rates are based on 2026 data for a 35-year-old driver with good credit, a clean driving record, and full coverage (100/300/50 with $1,000 deductibles). Your rate will vary.

What You Should Know About Wyoming Auto Insurance

• Wyoming requires minimum liability coverage of 25/50/20.
• The average full-coverage premium in Wyoming is $1,820/year.
• Wyoming uses a at-fault/tort insurance system.
• Approximately 6% of Wyoming drivers are uninsured.
• Wyoming drivers face weather-related risks including blizzards, extreme wind, ice, wildlife crossings, mountain roads.
• Liability-only coverage in Wyoming averages $480/year.

For complete Wyoming auto insurance laws and requirements, visit the Wyoming Insurance Department. For vehicle registration and licensing, visit the Wyoming DOT.

Full Coverage vs. Liability in Wyoming

Full coverage in Wyoming averages $152/month, while liability-only coverage averages $40/month. Full coverage includes comprehensive and collision protection that covers damage to your own vehicle. If you have a car loan or lease, your lender likely requires full coverage.

While liability-only saves money, it leaves you paying out of pocket for damage to your own car in an accident, theft, or weather event. With 6% of Wyoming drivers uninsured, we strongly recommend adding uninsured motorist coverage to any policy.

Auto Insurance Rates by City in Wyoming

Where you live in Wyoming significantly affects your premium. Click your city for local rate comparisons:

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
2. Wyoming Insurance Department — official state insurance regulator for Wyoming.
3. National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
4. Wyoming DOT — Wyoming vehicle registration and licensing requirements.
5. Insurance Information Institute (III) — independent insurance education and research.
6. National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
7. NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.