Cheap Auto Insurance in Wyoming 2025 (Earn Savings With these 10 Companies)

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USAA, Liberty Mutual, and State Farm offer the cheapest auto insurance in Wyoming, with rates starting at $13 a month. Getting cheap auto insurance in Wyoming is essential, whether you’re in Cheyenne or on rural roads.

With 98,000+ square miles and under 600,000 residents, Wyoming drivers log more miles than any other state. Wyoming’s wide roads and sparse population require affordable auto insurance.

Our Top 10 Company Picks: Cheap Auto Insurance in Wyoming

Comparing quotes from top providers helps you find the cheapest deal.

Read More:

• USAA Auto Insurance Review
• Liberty Mutual Auto Insurance
• State Farm Auto Insurance

USAA offers the lowest rates, especially for military families, and has strong coverage across the state.

Just enter your ZIP code to compare up to 10 free auto insurance quotes from the leading providers in your area.

#1 – USAA: Top Overall Pick

Pros

• Affordable: USAA offers some of the cheapest auto insurance rates, especially for military members and their families. Learn more in our USAA auto insurance review.
• Comprehensive: It offers a wide range of coverage options, including collision, liability, and uninsured motorist, making it easy to find affordable options for cheap auto insurance in Wyoming.
• Excellent: Known for high customer satisfaction and quick claims processing, ensuring reliable coverage for Wyoming drivers.
• Discounts: Provides multiple discounts for safe driving, bundling, and more, which helps lower premiums for affordable insurance.

Cons

• Eligibility: Access is limited to military members, veterans, and their families, restricting availability for other Wyoming residents.
• Availability: Fewer physical branch locations in Wyoming, which may make in-person service less convenient.
• Service: Online and phone-based services may not provide the same level of personal support some Wyoming drivers prefer.

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#2 –Liberty Mutual: Cheapest For Customizable Policies

Pros 

• Customized Coverage: Liberty Mutual provides adaptable plans that can be customized to meet specific requirements, such as new auto replacement and accident forgiveness. Learn more about this provider in our thorough Liberty Mutual company review.
• Many Discounts: Offers various discounts, including for students, military personnel, and bundling, helping customers find cheap auto insurance in Wyoming.
  
• Robust Digital Tools: It provides a user-friendly app for policy management and quick claim submissions, making it convenient for Wyoming drivers.
  
• Financial Stability: Liberty Mutual’s strong financial foundation ensures reliable claims payouts, adding peace of mind.

Cons

• Higher Rates: Some customers report higher premiums compared to other providers, which can impact affordability for those seeking cheap coverage.
• Conflicting Claims Reviews: A few policyholders have expressed dissatisfaction with the claims process.
• Limited Agent Support: This relies heavily on digital tools, which may not offer the personalized agent experience some drivers prefer.

#3 – State Farm: Financial Strength

Pros

• Outstanding Customer Attention: State Farm is renowned for its robust local agent network and individualized attention. Read more in our full review of State Farm’s auto insurance.

• Competitive Rates: The company offers some of the lowest prices, helping Wyoming drivers find cheap auto insurance.
• Financial Strength: Ensures reliable claims handling due to its solid financial foundation.
• Safe Driver Discounts: Significant savings for safe drivers through programs like Drive Safe & Save.

Cons

• Restricted Discounts: Fewer discount options compared to competitors, limiting savings opportunities.
• Average Digital Tools: Websites and mobile apps could benefit from updates for a better user experience.
• High Rates for High-Risk Drivers: Premiums can increase substantially for drivers with poor records.

#4 – Travelers: Cheapest For Unique Coverage

Pros

• Competitive Prices: The company offers affordable rates, especially for drivers with clean records seeking cheap auto insurance in Wyoming.
• Numerous Coverage Choices: Travelers offers a range of coverage choices, such as collision and comprehensive coverage. For more information, read our Travelers company review.
• Homeowner Discounts: Attractive bundling options for homeowners with flexible payment plans.
• Flexible Payment Options: Allows customers to choose from a variety of payment plans.

Cons

• Claims Satisfaction Below Average: Some customers report dissatisfaction with the claims process.
• Limited Local Agent Support: Heavily reliant on digital tools, which may lack a personal touch.
• Higher Premiums for High-Risk Drivers: Premiums can rise sharply for drivers considered high-risk.

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#5 – Progressive: Cheapest Coverage Options

Pros

• Reasonably priced rates: Progressive is renowned for providing affordable rates, particularly for high-risk drivers. Our complete Progressive review goes over this in more detail.
• Snapshot Program: Rewards safe driving with discounts through its usage-based program, helping drivers save on cheap auto insurance in Wyoming.
  
• Multi-Policy Discounts: These offer significant savings when bundling auto, renters, and home insurance policies.
  
• Robust Digital Tools: Provide an intuitive smartphone app and web platform for easy policy management and claims submissions.

Cons

• Claims Satisfaction: Some customers report dissatisfaction with the claims process.
• Higher Rates for Some Drivers: Low-risk drivers may not qualify for the lowest rates.
• Limited Agent Support: Primarily relies on digital tools, which may lack personalized service.

# 6 – Geico: Employee Discounts

Pros

• Low Rates: Geico is renowned for providing some of the market’s lowest rates. Learn more about Geico’s rates in our Geico auto insurance company review.
• Strong Web Presence: This site features an intuitive web platform and mobile app for convenient policy management, which is ideal for finding cheap auto insurance in Wyoming.
• Variety of Discounts: Offers discounts like multi-policy and military discounts to help lower premiums.
• Reliable Claims Process: Generally receives positive feedback for its efficient claims handling.

Cons

• Limited Agent Network: Primarily relies on online resources, which may lack personalized support.
• Higher Rates for High-Risk Drivers: Drivers with accidents or poor credit may face steeper premiums.
• Mixed Customer Service Reviews: Some customers report inconsistent experiences with support.

#7 – American Family: Loyalty Savings

Pros

• Competitive Rates for Safe Drivers: American Family offers affordable rates for Wyoming drivers with clean driving records, making it a great option for those seeking cheap coverage. Find out more about the American Family in our American Family review.
• Discount Opportunities: Offers significant savings with discounts for bundling home and auto insurance, safe driving, and more, ideal for those seeking cheap coverage in Wyoming.
• Strong Local Agent Support: Wyoming drivers benefit from personalized support through the American Family’s local agent network.
• Teen Driver Discount: Provides discounts for young drivers, helping Wyoming families reduce the cost of insuring teens.

Cons

• Higher Premiums for High-Risk Drivers: Rates may be less competitive for drivers with accidents or poor credit.
• Limited Online Tools: Less advanced digital platforms may hinder online policy management for tech-savvy users.
• Restricted Discount Availability: Some discounts may not apply in Wyoming, limiting savings opportunities.

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#8 – Nationwide: Accident Forgiveness

Pros 

• Variety of Coverage: Nationwide provides various coverage choices, such as vanishing deductibles and accident forgiveness. You can learn more in our Nationwide auto insurance review.
• On Your Side Review: Provides annual policy reviews to help Wyoming drivers get competitive prices on cheap auto insurance.
• Fantastic Bundling Discounts: Offers substantial discounts for bundling auto and home insurance plans, lowering overall costs.
• Robust Financial Foundation: Nationwide’s financial strength ensures reliable claims payouts for Wyoming drivers.

Cons

• Average Rates: While competitive, Nationwide’s rates may not be the cheapest for those seeking budget-friendly options.
• Availability: Coverage options may be limited in some states.
• Claims Processing: Some customers report slower-than-expected claims handling.

# 9 – Farmers: Comprehensive Coverage

Pros

• Outstanding Customer Service: Farmers offers outstanding customer service, including individualized local agent support and round-the-clock claims assistance. Read our Farmers Insurance company review to learn more.
• Numerous Coverage Options: Farmers offers a variety of coverage options, including unique add-ons like rideshare and new auto replacement insurance for Wyoming drivers.
  Accident Forgiveness: With this program, Farmers helps prevent premium increases after your first accident.
  Bundling Discounts: You can save significantly by bundling home and auto insurance policies.

Cons

• Higher Premiums: Farmers’ premiums may be higher than those offered by some competitors, which could impact those seeking cheap auto insurance in Wyoming.
• Limited Discounts: Offers fewer discount opportunities compared to other providers.
• State Availability: Farmers is not available in all states.

# 10 – Allstate: Detailed Coverage

Pros

• Large Discounts: Allstate provides many discounts, such as safe driver and excellent student discounts. Read more about this provider in our Allstate auto insurance review.
• Local Agents: Provides personalized support through an extensive network of agents in Wyoming.
  
• Claim Satisfaction Guarantee: This offers refunds to customers dissatisfied with the claims process.
  
• Accident Forgiveness: Protects drivers from rate increases after an accident.

Cons

• Higher Rates: Premiums are often more expensive than those of competitors, impacting those looking for cheap auto insurance in Wyoming.
• Average Customer Satisfaction: Some customers have mixed reviews about claims handling.
• Limited Digital Tools: Mobile and online platforms could be improved for easier policy management.

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Cheap Auto Insurance Companies in Wyoming

How do you know which auto insurance provider offers the cheapest service, value, and protection? The auto insurance market can be confusing, but we provide clear, unbiased information. We make it easy to compare providers and secure cheap auto insurance in Wyoming.

Wyoming Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$36	$155
	$27	$112
	$30	$130
	$26	$111
	$17	$75
	$28	$114
	$25	$106
	$19	$82
	$23	$98
	$13	$57

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Use this table to compare monthly rates by provider and coverage level to find affordable, reliable auto insurance in Wyoming. Start comparing to get the cheapest coverage at the lowest price.

The Largest Companies’ Financial Rating

Check each company’s A.M. Best financial rating when shopping for cheap auto insurance in Wyoming. These ratings reflect financial strength and reliability.

The table below lists A.M. Best scores for the ten largest auto insurers in Wyoming.

Wyoming Auto Insurance Providers by Market Share

The letter grades in financial ratings follow a traditional scale, with A being higher and B being lower.

Plus and minus signs reflect financial strength. The strongest providers have the highest grades and the most plus signs. Wyoming’s top insurers all hold strong ratings, ranging from A to A++.

Number of Insurers by State

The largest insurers in Wyoming operate nationwide and are called ‘foreign’ providers. ‘Domestic insurers operate only in Wyoming.

Number of Property & Casualty Insurance Companies in Wyoming

To determine what kind of auto insurance you really need, it’s important to compare auto insurance companies and choose one that best meets your coverage needs and budget.

Coverage and Rates for Cheap Auto Insurance in Wyoming

Auto insurance can be complex, but we make it simple. This guide covers cheap auto insurance companies in Wyoming, including coverage options, rates, and add-ons. Our charts show average auto insurance costs in Wyoming, but rates vary by coverage level.

Wyoming Auto Insurance Monthly by Coverage Level for Top Providers

Higher coverage means higher premiums but better protection. Explore each section to find the most affordable coverage that fits your needs.

Wyoming’s Premiums as a Percentage of Income

Per capita disposable personal income” means the money individuals have after taxes.

In 2014, Wyoming’s annual per capita disposable income was $49,918, and the average full auto coverage cost was $844.33.

Auto insurance costs about 1.69% of income—within the typical 1–3% range across states.

The table below shows premium percentages over three years.

Wyoming Auto Insurance Premiums as a Percentage of Income (2021-2024)

The percentage has gotten smaller year over year, which is good news for Wyoming residents.

Read More: How much insurance coverage do I need?

Wyoming’s Male vs. Female Rates

Wyoming men and women generally pay similar auto insurance rates, especially those between ages 35 and 60. However, teenagers—especially 17-year-old males—face much higher premiums.

Wyoming Auto Insurance Monthly Rates by Provider, Age, & Gender

In some states, women pay more. Many factors affect rates, which we’ll cover when discussing cheap auto insurance in Wyoming. Ready to find the right coverage? We’ll help you navigate cheap auto insurance in Wyoming with expert insights.

Cheap Auto Insurance in Wyoming by Zip Code

Location affects auto insurance rates. The table below breaks down average rates by Wyoming ZIP codes so you can find your area’s average auto insurance costs.

Wyoming auto Insurance by ZIP Code

Drivers in ZIP code 82001 pay an average of $140 per month.

Cheap Auto Insurance in Wyoming by City

Looking at rates by city is more helpful than by ZIP code. The table below shows average rates in cities across Wyoming.

Least Expensive ZIP Codes for Auto Insurance in Wyoming

Cheap auto insurance is available in Big Horn, Ranchester, and Sheridan. Cheyenne ranks in the top 20 for low rates. The highest rates are in Alta, Wilson, Teton Village, Jackson, and Moose. You can also use online comparison tools to easily compare rates and find the cheapest auto insurance options in Wyoming.

Cheapest Insurance in Wyoming Cities

This section helps residents of Wyoming cities like Casper, Cheyenne, Gillette, Laramie, and Rock Springs find affordable auto insurance in Wyoming.

Find the Cheapest Insurance in Your City

Comparing rates ensures you secure the right coverage at competitive prices.

Driving Record Rates for Cheap Auto Insurance in Wyoming by Company

Your driving record can directly impact your auto insurance rate.

Wyoming Auto Insurance Monthly Rates by Provider & Driving Record

Fewer accidents typically lead to lower rates, while speeding violations, DUIs, and accidents may increase your premiums.

Commute Rates for Cheap Auto Insurance in Wyoming by Company

Long commutes in Wyoming, often affected by harsh weather, can impact insurance rates.

Wyoming Commute Distances Auto Insurance Monthly Rates by Provider

Read more: Is it a bad idea to set your auto insurance miles too low?

Consider relocating closer to your workplace to potentially save on insurance rates.

Credit History Rates for Cheap Auto Insurance in Wyoming by Company

In Wyoming, auto insurers can use your credit score to determine your rate. A higher score typically means lower premiums, while a lower score may result in higher rates.

We’ve created a chart to show how full coverage insurance costs vary by company and credit score. Typically, Sound and Fair scores receive similar rates, but a Poor score can lead to higher premiums.

Wyoming Auto Insurance Monthly Rates by Provider & Credit Score

Wyoming’s average credit score is 678, and residents hold 2.81 credit cards with an average balance of $6,245.

Low-Cost Insurance

Wyoming offers a program for high-risk drivers but does not offer a similar program for low-income families or individuals struggling to pay for car insurance.

California, New Jersey, and Hawaii offer government programs to lower auto insurance costs for low-income families. Wyoming doesn’t, but drivers can still find affordable coverage by comparing quotes and asking about discounts. High-risk drivers may face more difficulty securing insurance.

Auto Insurance Discounts From the Top Providers in Wyoming

Insurance Company	Anti-Theft	Bundling	Good Driver	Good Student	UBI
	10%	25%	25%	20%	30%
	25%	25%	25%	20%	30%
	10%	20%	30%	15%	30%
	25%	25%	26%	15%	25%
	35%	25%	20%	15%	30%
	5%	20%	40%	15%	40%
	25%	10%	30%	10%	$231/yr
	15%	17%	25%	25%	30%
	15%	13%	10%	8%	30%
	15%	10%	30%	10%	30%

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The table above lists discounts from top providers of cheap auto insurance in Wyoming, including savings for safe driving and bundling. Auto insurance companies that customers recommend often offer strong customer service, flexible coverage, and extensive discounts to help reduce premiums.

Companies with Best Customer Service Ratings

Financial strength helps assess a company’s reliability, but it’s not the only factor. Choose a provider with strong customer service and cheap auto insurance options.

According to findings by J.D. Power, some companies are better at customer service than others.

In the Northwest region, which includes Wyoming, Washington, Idaho, Montana, and Oregon, PEMCO has the highest customer satisfaction ratings. The Hartford and American Family round out the top three.

Companies with the Most Complaints in Wyoming

Customer satisfaction ratings help identify companies offering the cheapest auto insurance in Wyoming, and complaint rankings reveal which ones to avoid.

Auto insurance companies that customers recommend usually have fewer complaints and strong customer service, helping Wyoming drivers find reliable, affordable coverage.

Complaints may not reflect every aspect of an insurer but can indicate issues with staffing or company size.

Larger companies often receive more complaints. The table below shows complaint counts and ratios for Wyoming’s biggest auto insurers.

Company Complaint Ratios and Total Number of Complaints

In 2017, Mountain West, Progressive, and State Farm had the most auto insurance complaints in Wyoming.

Minimum Coverage for Cheap Auto Insurance In Wyoming

Wyoming requires minimum auto insurance coverage for $25,000 bodily injury per person, $50,000 per accident, and $20,000 for property damage. Around 7.8% of drivers are uninsured, making adequate coverage crucial. Failing to carry liability insurance could lead to fines or imprisonment.

As the Reddit post below mentions, securing cheap auto insurance in Wyoming is essential to avoid legal issues and fines. A “dismissed” citation for lacking proof of insurance typically means no conviction is recorded, but it’s important to always carry proof to stay compliant with the law.

Wyoming is a “fault” car accident state, meaning the person at fault is responsible for any damages caused. The at-fault liability insurance policy covers these financial losses up to the policy limits.

The owner of a motor vehicle in Wyoming must carry liability insurance coverage on his or her vehicle. The minimum amount of liability coverage a person is required to carry is:

• $25,000 for the injury or death of one person in an accident caused by the owner/driver
• $50,000 for total injuries or death in an accident caused by the owner/driver
• $20,000 for property damage in one accident caused by the owner/driver

This coverage pays for medical and property damage costs for others when you’re at fault, up to your policy limits. Higher liability limits with cheap auto insurance in Wyoming can protect you from out-of-pocket costs. Liability doesn’t cover your own injuries or vehicle damage—additional coverage is needed for that.

Core Coverage

The Cowboy State has relatively low auto insurance premiums, averaging $840 for full coverage. Drivers in other states often pay $900–$1,000 or more, making Wyoming an affordable option.

Drivers must show proof of financial responsibility to meet legal requirements—usually with a certificate of insurance. Two alternative options exist when buying cheap auto insurance in Wyoming. The table below shows annual costs for key coverages.

Wyoming Auto Insurance Monthly Rates by Provider & Coverage Type

The National Association of Insurance Commissioners reported these stats in 2015; rates have likely risen slightly since then.

Additional Liability Coverage for Cheap Auto Insurance in Wyoming

You now know the basic Wyoming auto insurance requirements for liability coverage.

However, these are only minimums and may not cover all accident costs. Consider higher liability limits.

In Wyoming, the at-fault driver covers damages. Extra liability coverage offers added protection.

The insurance industry recommends setting liability limits at $100,000 per person and $300,000 per accident—well above Wyoming’s minimums. For better protection, consider full coverage, uninsured motorist protection, or adding umbrella insurance for extra liability.

Comprehensive and collision coverages pay to repair your auto. While not required in Wyoming, they’re often mandatory if you lease or finance. For cheap auto insurance in Wyoming, check the USAA site for affordable coverage options that fit your situation

Personal Injury Protection (PIP) and Medical Payments Coverage pay for medical bills but are not required in Wyoming. Higher coverage limits with cheap auto insurance in Wyoming can reduce your out-of-pocket costs. You might also consider optional uninsured/underinsured motorist coverage for added protection.

Let’s talk loss ratios.

A loss ratio shows how often insurers pay out claims. When shopping for cheap auto insurance in Wyoming, reviewing a company’s loss ratio helps you gauge its financial health and reliability in covering customer claims.

Companies with loss ratios over 100% are more likely to pay claims but may be less financially stable.

Companies with lower loss ratios may not cover all expenses in an accident. They are financially secure but pay fewer claims.

The table below shows the loss ratios for personal injury protection, medical payments, and UUM in Wyoming.

Wyoming Auto Insurance Loss Ratios

Learn more about what liability auto insurance is to better understand how it protects you in case of an accident.

Add-Ons, Endorsements, and Riders

Wyoming requires drivers to carry liability insurance for their own and others’ safety. Additional options, like rental reimbursement and GAP insurance, offer extra protection but may not be necessary for all drivers. Some may find value in these options through cheap auto insurance in Wyoming.

Click the links below to check out add-on options:

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-As-You-Drive or Usage-Based Insurance

These optional coverages offer enhanced protection, allowing drivers to customize policies while maintaining affordable rates for cheap auto insurance in Wyoming.

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Largest Cheap Auto Insurance Companies in Wyoming

When shopping for auto insurance, you may prefer working with a large company.

Here are the ten largest auto insurance companies in Wyoming:

Wyoming Auto Insurance Providers by Market Share

You might want experienced agents or a provider trusted by friends and family.

Wyoming’s State Laws for Auto Insurance

Wyoming’s state laws require all drivers to carry minimum liability coverage, making it essential to find cheap auto insurance in Wyoming and compare policies to find the right coverage for your needs.

Penalties for Driving Without Insurance

Despite its legendary frontier spirit, the Cowboy State requires all drivers to carry cheap auto insurance. Proof must be kept in the vehicle or accessible digitally. Failure to comply can result in fines and license suspension.

How State Laws for Insurance are Determined

Each state’s legislative branch creates laws regarding automobiles and cheap auto insurance in Wyoming. States set tort laws, thresholds, and minimum liability insurance requirements. Wyoming requires liability insurance and sets minimums. The Department of Transportation handles driver, car, registration, and insurance matters.

Windshield Coverage

Some states have made laws specific to windshields, regulating broken and cracked windshields, replacements, and insurers’ obligations. However, Wyoming is an outlier. As of 2019, Wyoming does not have any state laws specific to windshields.

High-Risk Insurance

There is a special category of drivers labeled “high-risk.” Sometimes, drivers have trouble finding cheap auto insurance in Wyoming, even though it’s required in the state. Companies might refuse to insure them due to their “high-risk” status. Younger drivers and those with a DUI are often considered high-risk.

The state of Wyoming has a system that makes insurance accessible to all, and it is called the Wyoming Automobile Insurance Plan (WAIP). This program helps drivers who can’t find an insurer through the traditional market. Visit the Liberty Mutual site for more options on affordable coverage.

WAIP isn’t an insurance provider. It connects drivers with insurance companies willing to insure them. WAIP is part of an association that shares the risk among multiple companies.

When applying for WAIP, you must prove you can’t obtain insurance through regular channels. You also need a valid driver’s license, funds to pay the premium, and arrangements for any past-due premiums.

For more details or to apply for WAIP, contact any agent licensed to sell auto insurance.

Automobile Insurance Fraud in Wyoming

“Insurance fraud” might sound like a scary phrase, but it doesn’t have to be.

Misrepresenting facts on an application or submitting false claims for damage or injuries are examples of fraud. This can impact your ability to get cheap auto insurance in Wyoming.

Other forms of auto insurance fraud include setting fire to your own vehicle, using a false Social Security number, or providing a fake address to secure cheap auto insurance in Wyoming. Some even stage fake accidents.

Insurance companies can also commit auto insurance fraud by refusing to pay valid claims or selling fraudulent policies.

Wyoming is one of ten states without an insurance fraud bureau. However, insurance fraud is still considered a crime in the state.

You can contact the Wyoming Department of Insurance if you suspect insurance fraud. However, you will likely be redirected to file a report through the National Association of Insurance Commissioners.

Statute of Limitations

You’ll want to file a claim if you’ve been involved in an automobile accident. In Wyoming, the statute of limitations allows four years to file a claim for personal injury or property damage.

Driver Safety and Traffic Laws in Wyoming

Wyoming’s driver safety and traffic laws promote responsible driving and reduce accidents. Following these laws can help drivers find cheap auto insurance in Wyoming.

Wyoming Statistics Summary

Learn more about cheap providers to get the coverage you need while staying safe on the road.

Teen Driver Laws

Teen drivers make up a significant part of Wyoming’s driving population. Due to their inexperience, the state requires extensive practice before teens can get a license.

Wyoming Teen Driving Laws & Graduated Licensing Requirements>/strong>

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Wyoming has restrictions to protect young drivers and others on the road, and a Parents’ Supervised Driving Program is available at exam stations or online.

Older Driver License Renewal Procedures

As drivers age, vision and driving skills may decline. Some states have added requirements for older drivers to improve safety. In Wyoming, regulations are the same for all drivers. Licenses must be renewed every five years, with vision proof required every ten years. Renewals must be done in person or by mail—online renewals aren’t available. Mail-in renewal is allowed every other cycle.

New Residents

Moving to Wyoming? New residents must visit a driver exam station within a year for a Wyoming license. Bring required documents, pass a vision screening, and surrender your out-of-state license. Active-duty military members and their dependents are exempt from needing a Wyoming license if residing in the state.

Read More: How To Get Insurance On Your Driver’s License

License Renewal Procedures

Wyoming drivers must renew their licenses every five years, with vision proof required every ten years. Most renewals don’t require a written or driving exam. Renewals must be done in person every other cycle, with mail-in options available in between. Compare providers to find cheap, reliable auto insurance in Wyoming.

Negligent Operator Treatment System (NOTS)

Wyoming doesn’t use a formal point system for traffic violations, but all offenses are recorded on your official driving record. Penalties are handled at the county level. Repeated minor violations can lead to license suspension. Major violations like DUI or serious accidents may result in suspension, fines, or jail. You can check your record online.

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Rules of the Road

Wyoming has laws to promote safe driving. These rules help maintain order on the roads and ensure drivers act responsibly. Knowing these laws and how violations are recorded on your driving record is key to avoiding penalties and keeping a clean history.

Seatbelt and Car Seat Laws

Since 1989, Wyoming has required seatbelts for drivers and passengers to reduce fatalities in crashes.

Wyoming Safety Belt Laws

Category	Details
Effective Since	June 8, 1989
Primary Enforcement	No (Secondary Enforcement)
Age/Seats Applicable	9+ years in all seats
1st Offense Maximum Fine	$25 driver / $10 passenger
Secondary Enforcement	Officers can only issue a seat belt citation if another violation occurs.
Medical Exemptions	Allowed with physician certification.
Postal Workers	USPS employees on duty are exempt.
Vehicles Without Seat Belts	Exempt if not originally equipped.

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Car seat laws protect infants and children.

Wyoming Car Seat Requirements

Age Group	Seat Type	Requirements
Under 2 Years	Rear-Facing Car Seat	Children under 2 years old must be secured in a rear-facing car seat.
2 to 8 Years	Forward-Facing Car Seat or Booster Seat	Children aged 2 to 8 years should transition to a forward-facing car seat with a harness or a booster seat, depending on their size and the manufacturer's guidelines.
9 Years and Older	Seat Belt	Once children reach 9 years old, they can use the vehicle's seat belt system, provided it fits them properly.

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Wyoming also allows passengers to ride in pickup trucks’ cargo areas. The table below outlines seatbelt laws in the state.

Keep Right and Move Over Laws

Wyoming’s open highways require patience and caution.

Drivers must stay right when moving slower than traffic and use the left lane only to pass.

When approaching an official vehicle with lights on, move over or reduce speed by 20 mph below the limit. These laws support safe driving records.

Read More: Safe Driver Discount

Speed Limits

Speed limits are no joke. If you speed, you could receive a steep fine. You could also hurt yourself and others.

Speed Limit Laws in Wyoming

Road Type	Speed Limit
Interstate Highways	Up to 80 mph
Urban Areas	30 mph
School Zones	20 mph
Other Paved Roads	70 mph
Unpaved Roads	55 mph

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Drivers must always follow legal speed limits. The chart below lists Wyoming’s speed limits by road type.

DUI Laws

In 2017, Wyoming recorded 44 alcohol‑impaired driving fatalities—one‑third of all traffic deaths—with four victims under age 21.

That year, 3,253 people were arrested in Wyoming for driving under the influence of alcohol, including 28 drivers under 18.

“Even one fatality from driving under the influence is too many. The table below outlines the DUI laws in Wyoming.

Wyoming DUI Laws & Penalties

Category	Details
Legal BAC Limit	0.08% for standard drivers, 0.04% for CDL drivers, 0.02% for drivers under 21
Implied Consent Law	Refusal to submit to BAC testing leads to license suspension
First Offense (Misdemeanor)	Up to $750 fine, up to 6 months jail, 90-day license suspension, 6-month IID if BAC ≥ 0.15%
Second Offense (Misdemeanor)	Up to $750 fine, 7 days to 6 months jail, 1-year license suspension, 1-year IID
Third Offense (Misdemeanor)	Up to $3,000 fine, 30 days to 6 months jail, 3-year license suspension, 2-year IID
Fourth Offense+ (Felony)	Up to $10,000 fine, up to 7 years jail, permanent license revocation, lifetime IID (court appeal possible)
Refusing a BAC Test (Implied Consent Violation)	6-month license suspension (first refusal), 18-month suspension (subsequent refusals)
Underage DUI (Under 21)	BAC ≥ 0.02% results in fines and license suspension
Commercial DUI (CDL Holders)	BAC ≥ 0.04% leads to a one-year CDL revocation (lifetime revocation for repeat offenses)
Enhanced Penalties	If DUI involves minors, high BAC (≥ 0.15%), or results in injury/death, penalties increase

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Many are caught drinking and driving before an accident occurs. The table below outlines the penalties for DUI in Wyoming.

Wyoming DUI Charges

DUI Charge	Classification
First Offense	Misdemeanor
Second Offense	Misdemeanor
Third Offense	Misdemeanor
Fourth Offense & Subsequent	Felony
Refusing a BAC Test	Administrative Penalty
Underage DUI (Under 21, BAC ≥ 0.02%)	Misdemeanor
Commercial DUI (BAC ≥ 0.04%)	Misdemeanor (CDL-specific)

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If caught, you face serious consequences like jail time, license revocation, and fines.

Marijuana-Impaired Driving Laws

Wyoming bans marijuana for recreational and medical use. Driving under its influence carries the same penalties as alcohol—fines, jail, and license revocation. Knowing what a driving record is and what it tracks is essential to avoid penalties and keep a clean record.

Read More: Driving Tips for Road Safety

Distracted Driving Laws

Smartphone use while driving poses a serious hazard. Wyoming bans texting for all drivers, but Cheyenne and Green River are the only cities that ban handheld use—other areas have no restrictions.

Safety Laws

Even if you follow speed limits, wear seatbelts, and obey traffic laws, you may face hazards from impaired or distracted drivers. Wyoming’s regulations cover impaired driving, distracted driving, and other safety issues. Below, we explore these rules in detail.

Ridesharing

Whether you’re heading to the airport or returning home from a late-night event in Cheyenne, rideshare services like Lyft and Uber are increasingly popular.

Ride-sharing also provides an opportunity for drivers to earn extra income. However, if you plan to drive for Uber or Lyft, ensure you’re protected with cheap auto insurance in Wyoming.

If you’re considering ridesharing, note that only a few of Wyoming’s insurance providers offer coverage for rideshare drivers. Top rideshare car insurance providers include:

• State Farm
• Geico
• USAA

Some of these coverages are extensions of your regular insurance policy. As with standard auto insurance, it’s helpful to shop around for cheap auto insurance in Wyoming to find an affordable quote.

Automation on the Road

Self‑driving, “autonomous,” and “connected” dominate automotive tech. Wyoming hasn’t passed autonomous vehicle laws but joined a 2015 USDOT pilot for connected vehicles on I‑80—snowplows, trucks, and emergency vehicles equipped with advanced sensors (not autonomous).

Read More: Levels of Driving Automation

Vehicle Theft in Wyoming

In 2017, the 2007 full‑size Chevy Pickup topped Wyoming’s stolen‑vehicle list, followed by other truck models.

Most Stolen Vehicles in Wyoming

Make/Model	Year of Vehicle	Number of Thefts
Ford Pickup (Full Size)	2004	54
Chevrolet Pickup (Full Size)	2007	50
Dodge Pickup (Full Size)	2003/1998	26
GMC Pickup (Full Size)	2003	21
Toyota Camry	2005	12
Honda Civic	2007	10
Jeep Cherokee/Grand Cherokee	2005	9
Ford Escape	2017/2021/2009	9
GMC Yukon	2007/2005	8
Chevrolet Suburban	2003/1999	8

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Cheyenne had the most thefts, with Casper second.

Worst Cities for Vehicle Theft in Wyoming

City	Motor Vehicle Thefts
Cheyenne	411
Casper	128
Riverton	28
Gillette	27
Rock Springs	25
Laramie	20
Sheridan	20
Evanston	14
Rawlins	13
Jackson	12

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Recommended insurers offer comprehensive coverage to protect against vehicle theft.

Wyoming’s Car Culture

Wyoming covers over 98,000 square miles, nearly half of which is federally owned. Despite having the lowest population in the U.S. at just under 600,000, residents drive more miles annually than any other state. For coverage tailored to high-mileage drivers, visit the Travelers site.

Wyoming roads are filled with locals and tourists exploring National Parks, mountain passes, and winter weather. To drive worry-free, ensure you’re protected with affordable auto insurance options that offer coverage suited for long-distance driving and varied road conditions. These companies provide specialized options for Wyoming’s unique driving needs.

Driving in Wyoming

Driving in Wyoming offers beautiful views but comes with challenges like gale-force winds, winding roads, and winter storms. Understanding your driving record is key to maintaining a clean history, which can help you qualify for discounts and cheap auto insurance. Your record tracks violations, accidents, and incidents, which insurers use to assess risk and set premiums.

Road Fatalities in Wyoming

Next, we’ll cover road fatalities. Understanding the statistics can help us make safer choices on the road.

We’ll explore key insights into Wyoming’s risks, which also explain why auto insurance is more expensive in higher‑risk areas.

Fatalities by Crash Type

Let’s look at crash types in fatal auto incidents.

Wyoming Traffic Fatalities by Crash Type

Crash Type	2019	2020	2021	2022
Total Fatalities (All Crashes)	147	127	110	134
Single Vehicle	95	85	69	84
Involving a Large Truck	23	22	17	12
Involving Speeding	53	50	42	56
Involving a Rollover	82	70	55	60
Involving a Roadway Departure	110	97	78	83
Involving an Intersection (or Intersection Related)	15	14	11	15

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Many crashes involve single vehicles—road departures, rollovers, and speeding—while few involve large trucks.

Fatalities (All Crashes) by County

Below are the top 10 counties for crash-related deaths.

Top Ten Counties for Fatal Car Crashes in Wyoming

Rank	County
1	Laramie County
2	Natrona County
3	Fremont County
4	Carbon County
5	Sweetwater County
6	Albany County
7	Park County
8	Big Horn County
9	Campbell County
10	Lincoln County

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Natrona and Fremont counties lead in auto fatalities. Natrona, home to Casper and intersected by I-25, is Wyoming’s second-most populous county. Fremont includes forest areas and the Wind River Reservation.

Carbon County ranks third due to its stretch of I-80—Wyoming’s deadliest highway. Choosing coverage from cheap auto insurance companies helps protect you in high-risk areas like this.

Fatalities Involving Speeding by County

Speeding can quickly turn an idyllic drive into a violent crash. It’s a major factor in fatal accidents. We’ve compiled data on fatal crashes involving speeding in each county.

Wyoming Traffic Fatalities Involving Speeding

County	2019	2020	2021	2022
Albany County	3	2	3	1
Big Horn County	0	1	0	1
Campbell County	1	2	1	2
Carbon County	4	5	4	3
Converse County	2	1	2	1
Crook County	1	0	1	0
Fremont County	4	3	2	4
Goshen County	0	1	0	0
Hot Springs County	0	0	0	0
Johnson County	1	0	1	0
Laramie County	2	3	2	3
Lincoln County	2	1	2	1
Natrona County	6	4	5	4
Niobrara County	0	0	0	0
Park County	1	2	1	2
Platte County	2	1	2	1
Sheridan County	0	1	0	1
Sublette County	1	0	1	0
Sweetwater County	3	2	3	2
Teton County	0	1	0	1
Uinta County	2	1	2	1
Washakie County	0	0	1	0
Weston County	1	0	1	0
Weston County	14	13.93	0	14.44

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Speeding is a leading cause of fatal crashes. Below is county-level data on fatal accidents involving speed. Liability auto insurance is essential—it’s the minimum coverage required by law and pays for damages or injuries you cause to others.

Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County

Alcohol is another major factor in fatal car accidents. The table below shows fatalities from alcohol-impaired driving.

Wyoming Traffic Fatalities Involving Alcohol-Impaired Drivers (BAC ≥ 0.08%)

County	2019	2020	2021	2022
Albany County	3	1	2	3
Big Horn County	2	1	0	1
Campbell County	3	2	1	2
Carbon County	1	3	2	2
Converse County	0	2	1	1
Crook County	1	0	1	0
Fremont County	6	4	5	6
Goshen County	0	1	0	1
Hot Springs County	0	0	1	0
Johnson County	0	1	0	1
Laramie County	2	2	3	2
Lincoln County	1	1	2	1
Natrona County	5	3	4	5
Niobrara County	0	0	0	0
Park County	2	1	2	1
Platte County	1	1	0	1
Sheridan County	1	2	1	0
Sublette County	1	0	1	0
Sweetwater County	3	2	2	3
Teton County	1	0	1	0
Uinta County	2	1	1	2
Washakie County	0	0	0	0
Weston County	1	0	0	1
Weston County	0	0	13.89	0

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Insurance companies factor in DUI and reckless driving history when setting rates—higher risk means higher premiums.

Teen Drinking and Driving

Drinking and driving is especially dangerous for teens. In Wyoming in 2016, under-21 alcohol-related driving deaths were 1.9 per 100,000—well above the national average of 1.2.

In 2016, Wyoming police made 26 DUI arrests involving individuals under 18, placing the state fourth nationwide for teen DUI arrests per capita.

Additionally, Wyoming ranks third for total DUI arrests per capita, with 3,082 individuals arrested in 2016 for driving under the influence.

Most Fatal Highway in Wyoming

Wyoming’s section of I-80 sees over 17 fatal crashes annually, with 175 crashes and 207 fatalities over 10 years. This interstate, part of the old Oregon Trail, runs through the southern third of the state.

When driving on high-risk roads like I-80, it’s important to consider the right auto insurance. Minimum liability may not be enough. Comprehensive, collision, and additional liability coverage can offer extra protection, while uninsured/underinsured motorist insurance helps with incidents involving underinsured drivers.

Fatal Crashes by Weather Condition and Light Condition

Weather and light contribute to automobile accidents and related fatalities.

Wyoming Traffic Fatalities by Weather and Light Conditions

	Daylight	Dark, but Lighted	Dark	Dawn or Dusk	Other / Unknown	Total
Weather Condition	Daylight	Dark, but Lighted	Dark	Dawn or Dusk	Other / Unknown	Total
Normal	50	3	31	7	0	91
Rain	3	0	1	0	0	4
Snow/Sleet	3	0	4	0	0	7
Other	0	0	1	0	0	1
Unknown	0	0	0	0	2	2
TOTAL	56	3	37	7	2	105

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Weather and light play a significant role in accidents and fatalities. Most fatal crashes occur in normal weather, not icy conditions, and often at night. When driving at night, stay in well-lit areas for safety.

Here are tips for driving in bad weather:

• Slow down and maintain more space between vehicles.
• Use headlights in low visibility conditions.
• Avoid sudden braking or sharp turns.
• Keep tires well-maintained for better traction.
• Keep an emergency kit in your vehicle.

For coverage in varying conditions, check auto insurance reviews for responsive service and claims assistance in adverse weather.

Traffic Fatalities

Let’s examine rural and urban traffic fatality rates in Wyoming using data provided by the NHTSA.

Wyoming Traffic Fatalities by Road Type

Year	Rural	Urban	Total	Unknown
2019	120	27	147	0
2020	112	15	127	0
2021	102	8	110	0
2022	114	20	134	0

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According to data over nine years, fatal car accidents in Wyoming are more likely to occur in rural areas, as most of the state is considered “rural. “

Fatalities by Person Type

Fatal accidents in Wyoming can occur on or off the roadway, involving one or multiple vehicles.

Wyoming Traffic Fatalities by Person Type

Person Type	2019	2020	2021	2022
Passenger Car Occupants	40	35	42	39
Light Truck - Pickup	32	29	34	31
Light Truck - Utility	25	22	26	24
Light Truck - Van	5	4	5	4
Large Truck Occupants	9	8	9	8
Other/Unknown Occupants	7	6	7	6
Total Occupants	118	104	123	112
Motorcyclists	19	17	20	18
Pedestrians	8	7	8	7
Bicyclists and Other Cyclists	1	1	1	1
Other/Unknown Nonoccupants	0	0	0	0
Total Nonoccupants	9	8	9	8
Total Fatalities	146	129	152	140

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Due to the high number of trucks on the road, truck accidents are common. Fatal motorcycle crashes are also notable, and lawyers often help families secure insurance for medical costs and damages. Pedestrian and bicycle accidents are rare.

Read More: Car Accidents and Auto Claims

Five-Year Trend for the Top 10 Counties

Where a person lives in Wyoming can affect the number of fatal crashes they encounter each year.

Top Ten Counties in Wyoming with the Most Traffic Fatalities

County	2019	2020	2021	2022
Natrona	14	12	13	7
Fremont	9	8	9	10
Carbon	7	6	7	6
Sweetwater	8	7	8	10
Laramie	11	10	12	16
Albany	6	5	6	8
Park	5	4	5	8
Big Horn	4	3	4	5
Campbell	5	4	5	7
Lincoln	4	3	4	9

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We’ve done the math to see the five-year trends for Wyoming’s various counties.

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State Laws

Auto insurance, road safety, and driving laws vary by state, so it’s important to keep this in mind whether you’re planning a road trip or relocating.

State-Specific Laws

Wyoming’s driving and auto insurance laws are similar to those of other states, but with no windshield laws and no insurance fraud bureau, it’s lighter on legislation. A couple of recent laws are worth noting.

In July 2013, a law was signed allowing Wyoming drivers to exceed the speed limit by up to 10 mph on two-lane highways to pass slower vehicles. The posted limit must be 50 mph or higher, and only one vehicle can be passed at a time.

The Wyoming Department of Transportation can charge a $125 fee for drivers applying for an ignition interlock-restricted license.

Later, we’ll explore speeding and DUI-related laws in Wyoming.

Forms of Financial Responsibility

In Wyoming, drivers must provide proof of financial responsibility, typically via insurance. Alternatively, a surety bond or a $25,000 deposit with the state treasurer can be used.

Proof must be carried at all times, and electronic proof is acceptable.

When choosing auto insurance, consider companies offering both traditional and alternative financial responsibility options that meet state requirements.

Vehicle Licensing Laws

In addition to cheap auto insurance in Wyoming and insurance laws, the state has vehicle licensing laws. These laws cover who can obtain a license, the renewal process, and any restrictions on licensed drivers. Let’s take a look.

Real ID

The REAL ID Act, passed in 2005, set federal standards for issuing driver’s licenses. While states have taken time to implement it, it will be applicable nationwide in 2020.

Wyoming is a “compliant state.” Drivers with REAL IDs can fly or travel across the U.S. without issues. Look for the star in the upper corner of the license. Federal agencies accept Wyoming’s ID cards and driver’s licenses at federal facilities, including nuclear power plants. If you get a new ID in Wyoming soon, it will likely be a REAL ID.

Vault vs. No-Fault

Wyoming is an at-fault state, not a no-fault state. When an accident occurs, the responsible party is financially liable for damages. This makes carrying auto insurance legally required and a smart choice.

Transportation and Commuting in Wyoming

Wyoming’s rural layout means long commutes and heavy reliance on personal vehicles, which impact insurance rates. To find cheap auto insurance in Wyoming, you can use our free online tool to compare quotes and identify the most affordable options.

Car Ownership

Wyomingites typically own two or three vehicles per household. To stay protected, compare providers offering cheap auto insurance with reliable coverage.

Transportation

Now that you’re familiar with Wyoming’s insurance rules, here are key transportation stats on car ownership, commute times, and travel methods.

Commute Time

Wyoming’s average commute time is 16 minutes shorter than the U.S. average, likely because many residents work on or near their own land—a clear perk for local drivers.

Commuter Transportation

Most Wyoming residents drive alone to work, and around 10% carpool. Very few walk or bike.

EMS Response Time

One factor in accident outcomes is EMS response time. Quick emergency service can reduce injury severity.

The table below compares EMS response times in urban and rural Wyoming.

EMS Response Times in Wyoming: Rural vs. Urban

	Time of Crash to EMS Notification	EMS Notification to EMS Arrival
Time Interval	Rural Areas	Urban Areas
Time of Crash to EMS Notification	6.38 minutes	2.95 minutes
EMS Notification to EMS Arrival	21.04 minutes	5.83 minutes
EMS Arrival at Scene to Hospital Arrival	42.17 minutes	24.75 minutes
Time of Crash to Hospital Arrival	61.22 minutes	33.50 minutes
Total Fatal Crashes	80	25

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Urban areas generally see faster EMS response due to their closer proximity to hospitals and medical services. However, most fatal crashes happen in rural areas, which is notable given Wyoming’s largely rural landscape.

Traffic Congestion in Wyoming

Cheyenne, Wyoming’s largest city, has about 66,000 residents. Even though it is the state’s biggest city, it doesn’t have the traffic congestion to appear on national or global traffic databases.

If you’re traveling through Wyoming and need traffic updates, WYDOT provides reliable resources. The 2017 solar eclipse brought record-high traffic to the state, though it’s unclear if that level will happen again.

That wraps it up. Whether you’re living in or moving to the Cowboy State, enter your ZIP code below to compare free quotes for cheap auto insurance in Wyoming.

Frequently Asked Questions

What is the cheapest car insurance in Wyoming?

USAA is known for its affordable rates and solid coverage options. USAA provides various discounts, helping drivers in Wyoming secure reliable coverage at lower costs while maintaining quality service.

What is the minimum car insurance in Wyoming?

The minimum car insurance required in Wyoming includes liability coverage of $25,000 per person for bodily injury, $50,000 per accident, and $20,000 for property damage. Companies like USAA, Liberty Mutual, and State Farm offer policies that meet these state requirements, often with affordable rates and additional coverage options.

Which car insurance group is the cheapest?

USAA offers the cheapest car insurance at $13 per month, but it’s limited to military members, veterans, and their families. For non-military drivers, Liberty Mutual is the next most affordable option at $17 per month.

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What is the cheapest, most reliable car to insure?

The Honda Civic is often considered one of the cheapest, most reliable cars to insure in Wyoming due to its strong safety ratings and affordability. Other budget-friendly options for insurance include the Toyota Camry and Subaru Outback, which are known for their reliability and lower repair costs.

Who offers the cheapest auto insurance in Wyoming?

USAA offers the cheapest auto insurance in Wyoming, with rates starting at $13 per month. However, USAA is typically only available to military members and their families.

What is the average cost of cheap auto insurance in Wyoming?

The average cost for cheap auto insurance in Wyoming varies, with USAA starting at $13 per month, Liberty Mutual at $17, and State Farm at $19. Factors that affect your auto insurance rates, including driving history and coverage needs, influence the average cost of cheap auto insurance in Wyoming.

Is Liberty Mutual a good option for cheap auto insurance in Wyoming?

Yes, Liberty Mutual offers cheap auto insurance in Wyoming, with rates starting at $17 per month. It is one of the cheapest options available, providing reliable coverage and potential discounts.

How does State Farm compare in Wyoming for cheap auto insurance?

State Farm is a competitive choice for cheap auto insurance in Wyoming, with rates starting at $19 per month. It combines affordability with strong coverage options and customer satisfaction.

Can I get affordable auto insurance with Geico in Wyoming?

Yes, USAA offers cheap auto insurance in Wyoming, with rates starting at $13 per month. It’s known for providing car insurance discounts that can help reduce the overall cost of coverage.

Which insurance company has the highest rates for cheap auto insurance in Wyoming?

Allstate has the highest rates among the listed providers for cheap auto insurance in Wyoming, with premiums starting at $36 per month. However, they offer comprehensive coverage and discounts that may appeal to certain drivers. Avoid expensive auto insurance premiums by entering your ZIP code to see the cheapest rates for you.