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:

Comprehensive $328
Collision $600
Liability $382

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.

Liability Only $452
Full Coverage $1,476
High Risk $3,190

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.

Enter your Wyoming zip code below to view companies that have cheap auto insurance rates.

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Wyoming car insurance rate comparison chart
Column chart showing Wyoming car insurance prices range from $846 to $5,432 for full coverage

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.

View Chart as Image

Wyoming insurance rates by city

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.

Wyoming Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,5605.4%
Dodge Ram$1,6027.9%
Ford Escape$1,228-20.2%
Ford Focus$1,430-3.2%
Ford Fusion$1,5665.7%
Ford F-150$1,388-6.3%
GMC Acadia$1,358-8.7%
GMC Sierra$1,5343.8%
Honda Accord$1,378-7.1%
Honda Civic$1,6148.6%
Honda CR-V$1,196-23.4%
Honda Pilot$1,402-5.3%
Hyundai Sonata$1,4961.3%
Kia Optima$1,5263.3%
Nissan Altima$1,5202.9%
Nissan Rogue$1,4820.4%
Toyota Camry$1,5062%
Toyota Corolla$1,474-0.1%
Toyota Prius$1,370-7.7%
Toyota RAV4$1,392-6%
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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.

Wyoming Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1State Farm23.46%$1,033
2Progressive14.27%N/A
3Farmers Insurance12.43%N/A
4Mountain West10.19%N/A
5Geico7.73%$998
6Liberty Mutual6.15%N/A
7USAA5.54%$637
8Allstate5.18%$2,083
9Nationwide3.60%N/A
10The Hartford2.10%$943
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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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Rates by Driver Age

Wyoming Insurance Rates by Driver Age
Driver AgePremium
16$5,432
20$3,410
30$1,544
40$1,476
50$1,348
60$1,322

Full coverage, $500 deductibles

Rates by Deductible

Wyoming Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,886
$250$1,696
$500$1,476
$1,000$1,266

Full coverage, driver age 40

Rates by Liability Limit

Wyoming Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,476
50/100$1,552
100/300$1,648
250/500$1,896
100 CSL$1,591
300 CSL$1,801
500 CSL$1,954

Full coverage, driver age 40

Rates for High Risk Drivers

Wyoming Car Insurance Rates for High Risk Drivers
AgePremium
16$7,760
20$5,414
30$3,266
40$3,190
50$3,042
60$3,016

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.

SR-22 Surcharge $205

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$79
Multi-vehicle$76
Homeowner$21
5-yr Accident Free$111
5-yr Claim Free$95
Paid in Full/EFT$69
Advance Quote$74
Online Quote$105
Total Discounts$630
Rate after discounts $846

Discounts are estimated and may not be available from every company or in every state.

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