Wyoming Car Insurance Rates
Average insurance rates in Wyoming for 2018 are $1,476 annually with full coverage. Comprehensive, collision, and liability cost around $328, $600, and $382, respectively. Newcastle and Jackson have the most expensive average rates, and the two companies who insure the most vehicles in Wyoming are State Farm and Progressive.
Average rate for full coverage: $1,476
Premium estimates for type of insurance:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Average Price Range for Auto Insurance in Wyoming
For a 40-year-old driver, Wyoming insurance prices go from the low end price of $452 for only liability insurance to a much higher rate of $3,190 for high-risk insurance.
These price ranges demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, instead of depending on rates averaged for all U.S. states.
Use the form below to get accurate rates for your location.
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Recommended Companies for Cheap Wyoming Insurance
The chart above shows Wyoming auto insurance prices for different risks and coverage choices. The cheapest discount price is $846. Drivers choosing higher $1,000 deductibles will pay $1,266. The average price for a driver age 40 with no violations using $500 deductibles is $1,476. Using more expensive $100 deductibles for comp and collision coverage can cost as much as $1,886. If you have multiple accidents and violations you could be charged at least $3,190. The price for full coverage insurance for a 16-year-old driver is $5,432.
Insurance prices in Wyoming are also quite variable based on your choice of vehicle, your age and driving habits, and deductibles and policy limits.
The area you live in makes a big difference in auto insurance prices. Rural areas could have rates as low as $1,100 a year, while Newcastle and Jackson may have prices as high as $1,700. Even different areas with close proximity in the same city can have a wide range of rates.
These rate differences demonstrate the significance of getting rates for your specific Wyoming zip code.
The make and model of vehicle you drive has a significant impact on how much you will pay for car insurance in Wyoming. Buying a less expensive and safer model will be cheaper to insure thanks to cheaper repair costs and lower severity of accident injuries.
This table shows car insurance premium estimates for some of the more popular vehicles insured in Wyoming.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,400 a year. View Rates by Age
If you have some driving violations or you caused an accident, you may be forking out at least $1,700 to $2,400 additional each year, depending on your age. High-risk driver insurance can cost from 44% to 129% more than the average rate. View High Risk Driver Rates
The company you choose affects your policy price. Each company has a slightly different rate calculation, and prices can be substantially lower or higher based on indivdual risk characteristics. In Wyoming, car insurance prices range from $637 with USAA to as much as $2,083 with Allstate. Companies like Safeco, The Hartford, and National Farmers Union fall in the middle.Those are not necessarily the prices you would have to pay, as where you live in Wyoming, your driving history, and the vehicle type have to be factored in.
|Rank||Company||Market Share||Average Rate|
|Get Your Rates Quote Now|
Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
Opting for high physical damage deductibles could save up to $620 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $344 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out your exact price is to compare prices from multiple companies. Every company utilizes a different rate formula, and rates may be quite different.
Wyoming Auto Insurance Articles
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- Cheapest Auto Insurance for Drivers Requiring a SR22 in Wyoming
- Cheapest Insurance Quotes for a Nissan Sentra in Wyoming
- Who Has Cheap Insurance Quotes for a Nissan Altima in Wyoming?
- Best Cheap Insurance Quotes for a Ford Escape in Wyoming
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- How Much is Insurance for a Toyota RAV4 in Wyoming?
- Best Cheap Auto Insurance After a Speeding Ticket in Wyoming
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$111|
|5-yr Claim Free||$95|
|Paid in Full/EFT||$69|
Discounts are estimated and may not be available from every company or in every state.