Wyoming car insurance
Finding the right auto insurance in Wyoming can feel complicated, especially when you're trying to strike a balance between coverage and cost. Don’t worry—whether you're a new driver, recently moved to the state, or just looking to update your policy, we’re here to help.
How much is car insurance in Wyoming?
Wyoming drivers can expect to pay an annual average of $260 for liability-only coverage and around $1,760 for "full coverage" insurance.* These figures give you a ballpark idea of what to expect, but your individual quote can vary depending on several factors, including:
Age
Driving record
ZIP code
Finding the cheapest car insurance in Wyoming isn't always straightforward. To get the best sense of what you can expect to pay, it's always best to compare quotes from multiple insurance providers.
What are Wyoming state insurance requirements?
In Wyoming, drivers are required by law to carry at least minimum levels of liability insurance coverages:
Bodily injury liability insurance in Wyoming
Bodily injury liability insurance can help cover the costs of injuries to others if you're at fault in an accident. Wyoming state insurance requirements mandate you carry at least:
$25,000 per person
$50,000 per accident
Property damage liability insurance in Wyoming
Property damage liability insurance can help cover the costs of damage to another person's property, such as their vehicle, fence, or building, if you're found at fault in an accident. Wyoming requires you to carry a minimum of:
$20,000 per accident
Uninsured motorist bodily injury coverage in Wyoming
Uninsured motorist (UM) bodily injury coverage can help pay for your medical expenses if you're injured in an accident with a driver who doesn't have insurance. Car insurance providers are required to offer this coverage to Wyoming drivers, but you can reject it in writing.
Optional car insurance coverages in Wyoming
While the state requires the above car insurance coverages, you have additional options you can add to your policy for broader protection. In particular, physical damage insurance—collision and comprehensive coverages—can help pay for damages to your own vehicle, which liability insurance doesn’t cover.
Collision insurance
Collision insurance can help pay for repairs or replacement of your vehicle if it's damaged in an accident, regardless of who’s at fault. This coverage is especially valuable if you have a newer or more expensive vehicle. And if you buy or lease a vehicle through a dealership, they’ll likely require you to carry this coverage—and comprehensive—on your policy.
Comprehensive insurance
Comprehensive insurance can help pay for covered damages to your vehicle following non-collision incidents, such as theft, vandalism, certain weather events, and encounters with animals on the road.
Medical payments (MedPay) coverage
Medical payments coverage can help cover medical expenses for you and your passengers if you're injured in an accident, regardless of who’s at fault.
Auto rental reimbursement coverage
Auto rental reimbursement coverage can help pay for the cost of a rental car while your vehicle is being repaired due to a covered accident.
Roadside assistance coverage
Roadside assistance coverage can assist with services like towing, battery jump-starts, flat tire changes, and fuel delivery, reducing your risk of being stranded when something goes wrong on the road.
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SR22 insurance in Wyoming
If you've had certain driving violations or lapses in insurance coverage, you might be required to file an SR22 form in Wyoming.
You might need an SR22 if you’ve:
Been convicted of a DUI
Had your license suspended
Been involved in an accident while uninsured
An SR22 isn’t actually insurance, but rather a certificate of financial responsibility filed by your insurance company with the state on your behalf to confirm you have the minimum liability coverage outlined by Wyoming state insurance requirements.
In Wyoming, there's no fee to file an SR22, but your insurance premiums might increase following the incident that led to you needing an SR22.
The SR22 requirement typically lasts for three years, but it's crucial to maintain continuous coverage during this period, as any lapse could result in further penalties.
Car insurance discounts in Wyoming
Saving money on car insurance is always a plus, and in Wyoming, there are several discounts you could qualify for. Car insurance discounts can help reduce your premiums and make your coverage more affordable.
Some of the discounts Dairyland, a brand of Sentry Insurance, offers in Wyoming include:
Multi-car
Homeowner
Advanced quote
Prior insurance/Transfer
Paid-in-full
Who has the cheapest car insurance in Wyoming?
When searching for the most affordable option, compare quotes from multiple insurers—and remember that cheaper doesn't always translate to better. Balance cost with the coverages you want and need, such as special considerations for teenage drivers.
Our competitive rates, focus on customer service, and customizable coverage options make us a solid choice for many Wyoming drivers.
Need more than Wyoming car insurance?
To be a safe and responsible driver, you also need to know your state’s rules of the road and other essential driver information. Below, we've gathered some useful resources from across the Cowboy State.
Driver requirements and laws
Like many states, Wyoming enforces a seat belt law for all drivers and passengers, as well as a hands-free law that prohibits texting while driving. For a total guide to the rules of Wyoming roads, you can review the Wyoming Drivers Manual.
Driver resources
Several resources are available to help Wyoming drivers stay informed and safe on the road. Below are some key agencies that can provide assistance and information:
Wyoming Department of Transportation
The Wyoming Department of Transportation (WYDOT) is responsible for maintaining the state's highways, managing traffic safety programs, and overseeing driver services (there’s no separate motor vehicle department, or DMV, in Wyoming). Whether you need information about road conditions, driver licensing, or vehicle registration, WYDOT can help.
For general road or traffic inquiries, call 307-777-4375. For driver services, such as licensing or vehicle registrations, call 307-777-4800.
Wyoming Department of Insurance
The Wyoming Department of Insurance regulates the insurance industry within the state, ensuring that providers comply with state laws. They can also help consumers with insurance-related questions or disputes. If you need help understanding your rights or resolving an issue with your insurer, use this online contact form or call 307-777-7401.
Wyoming Highway Patrol
The Wyoming Highway Patrol is responsible for enforcing traffic laws and ensuring the safety of all drivers on the state's highways. They can assist with traffic incidents, provide information on road safety, and help in emergencies. Review the Patrol's online contact information or call them at 307-777-4321.
Dairyland® brand property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, WI. For a complete listing of companies, visit the Underwriting Company page.
*Data accuracy is subject to this article’s publication date.
