Pay-Per-Mile Car Insurance in Wyoming

Drive less than 10,000 miles per year in Wyoming? Pay-per-mile insurance charges you a low base rate plus a per-mile fee (typically 2-6¢/mile). Low-mileage drivers can save 30-50% compared to traditional insurance — especially in Wyoming where the average premium is $152/month.

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How Pay-Per-Mile Insurance Works

Base Rate

$29-$50/Month Fixed

Plus

2-6¢/Mile

Per Mile Driven

= Bill

Varies by Month

Pay-per-mile insurance uses a small device plugged into your car's OBD-II port (or a phone app) to track miles driven. You pay a daily or monthly base rate plus a per-mile charge. If you drive 5,000 miles/year, you could pay as little as $60-$80/month total — compared to $152/month for traditional full coverage in Wyoming.

Who Saves the Most?

Remote workers/work from home — no daily commute means major mileage reduction
Retirees — driving only for errands and appointments
Multi-car households — that second or third car that only gets driven occasionally
City dwellers who use transit — car sits most days but you still need coverage
Part-time drivers — weekend-only or seasonal drivers

Pay-Per-Mile Companies Available in Wyoming

Metromile — the original pay-per-mile insurer; base rate + per-mile charge
Mile Auto — no device needed; uses odometer photos for verification
Nationwide SmartMiles — available in select Wyoming markets
Allstate Milewise — pay-per-mile option from a major carrier

Traditional Insurance Rates in Wyoming for Comparison

Insurance Company	6-Month Premium	Monthly Cost
USAA ⭐	$606	$101/mo
GEICO	$690	$115/mo
Mountain West Farm Bureau	$708	$118/mo
Progressive	$774	$129/mo
State Farm	$852	$142/mo

Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.

More Wyoming Auto Insurance Guides

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Pay-Per-Mile Insurance in Wyoming — FAQ

Who has the cheapest car insurance in Wyoming?

USAA offers the cheapest full coverage at $101/month in Wyoming. Rates vary by driver — call (888) 217-6781 for a personalized comparison.

How much is pay-per-mile insurance in Wyoming?

Full coverage in Wyoming averages $152/month, liability-only averages $40/month. The cheapest option is USAA at $101/month. Compare multiple quotes for your best rate.

Can I get a free pay-per-mile insurance quote in Wyoming?

Yes — call (888) 217-6781 for a free, no-obligation quote. We compare 5+ carriers in Wyoming to find your lowest rate in under 2 minutes.

Sources & Methodology

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

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