Get a Wyoming car insurance quote
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Buying auto insurance in Wyoming
Wyoming auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programWyoming minimum car insurance requirements (25/50/20)
It's illegal to drive without car insurance in Wyoming. To drive legally, you need to have at least the following coverage amounts and minimums in Wyoming.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $20,000 per accident |
See the Wyoming Insurance Department for official coverage requirements and details.
Average car insurance cost in Wyoming, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Wyoming is about $1,152 per year.
Drivers in Wyoming will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
What's considered "full coverage" car insurance in Wyoming?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of Wyoming you're only required to have the state Liability minimums of 30/60/25.
However, "full car coverage" or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
We'll make sure you get the coverage you need in Wyoming when you get an online auto insurance quote.
What liability insurance is required in Wyoming?
Wyoming law requires you to have liability car insurance. This coverage protects others if you cause bodily harm or property damage to them. It's important to know this coverage doesn't cover you, your car, or your personal belongings.
Drivers must have a car insurance policy with the minimum coverages of
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $20,000 per accident
You may see this written as 25/50/20.
Remember, this is only the minimum Liability Coverage required by law. You may want to think about increasing your limits for more financial protection. You should also consider other types of coverage that can give you even more protection.
Is Wyoming a no-fault insurance state?
No, Wyoming is not a no-fault insurance state. This means a driver that causes an accident is also responsible for paying for the damage.
Although many drivers have insurance to help cover these costs, some don't. These drivers can be either underinsured or uninsured. Due to this, Wyoming drivers may want to consider additional coverages
These coverages can help cover you if you're in an accident with an underinsured or uninsured driver. While these are optional coverages, it's recommended to have them. In Wyoming, drivers must opt out of these coverages in writing when buying a car insurance policy.
Who offers cheap car insurance in Wyoming?
Finding the cheapest car insurance in Wyoming may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
What is considered "full coverage" car insurance in Wyoming?
"Full coverage" is not a legal term or a single insurance product. Legally, in the state of Wyoming you're only required to have the state Liability minimums of 25/50/20.
However, "full coverage" commonly refers to a policy that includes required liability coverage plus Comprehensive coverage and Collision coverage to help protect the insured vehicle.
If you lease or finance your car, your lender or leasing company will typically require both Comprehensive and Collision.
What are the biggest driving risks in Wyoming?
Wyoming drivers may encounter strong winds, winter storms, wildlife, remote roads, and long distances between services. These conditions can increase the risk of animal strikes, weather-related damage, slide-offs, and breakdowns.
Wind is near the top of the list, since the corridor along I-80 between Cheyenne and Laramie ranks among the windiest stretches of interstate anywhere, and high-profile vehicle restrictions and closures during gusts and ground blizzards are routine in winter. Wildlife is another, as collisions with deer, elk, and pronghorn are common on rural highways at dawn and dusk, and the damage from striking a large animal can be severe. Add long, remote drives where help can be far away, single-vehicle slide-offs on icy roads, and hail during summer storms, and it's easy to see why many Wyoming drivers carry more than the minimum.
Comprehensive coverage may help with covered losses such as hail, weather damage, or an animal strike, while Collision coverage may help with covered crash damage. Roadside Assistance may also be worth considering for drivers who regularly travel in remote areas.
Wyoming car insurance FAQs
- While car insurance costs vary for everyone, as a whole, Wyoming consistently ranks among the least expensive states for car insurance with an average full coverage premium of roughly $1,152 a year.
Sparse traffic, wide-open roads, and one of the nation's lowest uninsured-driver rates are working for Wyoming in keeping costs down.
- Wyoming generally accepts electronic proof of insurance. A printed card can still be useful as a backup if your device is unavailable or you do not have service.
- New residents generally need to register their vehicles within 30 days of establishing residency, and you'll need a Wyoming car insurance policy that meets the 25/50/20 minimum before you can complete registration.
It's worth knowing that Wyoming's minimums are relatively low compared with many states, so drivers coming from elsewhere may want to increase their limits and coverages for added financial protection.
- Wyoming uses a graduated licensing approach that eases young drivers into full privileges, and a clean early record can help lower a new driver's insurance rates over time.
A teen with a learner's permit or license will typically need to be added to a household auto policy. Adding a new driver may increase the premium because less-experienced drivers generally present more risk but discounts specific to teen drivers may be able to help lower the costs.