Wyoming Car Insurance: Cheap Coverage in the Cowboy State
America's least populated state offers some of its cheapest car insurance—plus Yellowstone traffic tips.
Wyoming Quick Facts
✓ The Wyoming Advantage
Wyoming is the least populated state in America—just 580,000 people in 97,000 square miles. That means virtually no traffic congestion, few accidents, and some of the cheapest car insurance in the nation. Plus no state income tax.
Wyoming Minimum Insurance Requirements
| Coverage Type | Minimum Required | Notes |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Per injured person |
| Bodily Injury (per accident) | $50,000 | Total per accident |
| Property Damage | $20,000 | Damage to other vehicles |
Note: Wyoming does NOT require uninsured motorist coverage. Given the 10.2% uninsured rate and remote roads, we strongly recommend adding UM/UIM.
Average Car Insurance Costs in Wyoming
| Coverage Level | Annual Premium | Monthly Cost |
|---|---|---|
| State Minimum | $368 | $31 |
| Full Coverage | $1,320 | $110 |
Costs by Wyoming City
| City | Avg. Annual Premium | vs. State Avg. |
|---|---|---|
| Cheyenne | $1,440 | +9% |
| Casper | $1,380 | +5% |
| Jackson Hole | $1,480 | +12% |
| Laramie | $1,280 | -3% |
| Rural Wyoming | $1,140 | -14% |
Wyoming-Specific Considerations
Yellowstone & Grand Teton Traffic
Summer tourism brings millions to northwestern Wyoming. Yellowstone roads see wildlife jams (bison, elk, bears) and distracted tourist drivers. Drive defensively near the parks.
Wildlife Collisions—Serious Risk
Wyoming has massive wildlife populations—elk, deer, antelope, moose, and bison. Animal strikes are common and can be deadly. Comprehensive coverage is essential.
Extreme Weather
Wyoming sees harsh winters, high winds, and sudden weather changes. I-80 closes frequently for blizzards. Collision coverage handles winter accidents.
High Wind Corridors
Wyoming is one of the windiest states. High-profile vehicles can be blown over on I-80 and I-25. Wind damage is covered under comprehensive.
Modified Comparative Fault (51%)
Wyoming follows a 51% bar rule. You can recover if you're 50% or less at fault. At 51%+, you recover nothing.
Top Car Insurance Companies in Wyoming
State Farm
Largest insurer in Wyoming. Agent network in major towns.
GEICO
Often cheapest rates. Online service works in remote areas.
Mountain West Farm Bureau
Regional carrier. Understands Wyoming's unique needs. Competitive for rural drivers.
Farmers
Strong Western presence. Good bundling options.
Bottom Line: Wyoming Car Insurance
Wyoming offers some of the cheapest car insurance in America—but don't skip optional coverages. Comprehensive is essential for wildlife, and UM/UIM protects you on remote roads where help is hours away.
Shop State Farm, GEICO, and Mountain West Farm Bureau. Even Jackson Hole—the "expensive" area—is affordable by national standards.