Looking for Cheap Car Insurance in Wyoming?
Wyoming's car insurance requirements are not above the national average but the sheer volume of traffic on Wyoming roads makes car insurance prices so high in spite of the minimum requirements. Using Carlay is a smart way to save on your insurance without sacrificing the convenience and ease of hassle-free online service.
Your zip code can affect your insurance rates. In addition to your location though, other factors are taken into account when insurance companies determine your premium. Also, given the number of different providers in each area, it's worth comparing their rates to find the best deal. The free Carlay app makes it easy to research affordable rates before you buy.
All you have to do is answer a few short questions and Carlay will keep track of all your details, so you can compare quotes from top providers and make an educated decision on which provider is right for you.
Carlay customers in Wyoming often say that they saved money on their car insurance:
How Much Does Car Insurance Cost in Wyoming?
Your Wyoming car insurance policy costs an average of $1,784 per year if you have liability-only coverage and $2,007 per year if you have full coverage.
According to statistics, the average American spends $1,783 per year on basic liability car insurance and $2,485 per year on full-coverage car insurance.
What contributes to the insurance rates in Wyoming?
These are the things that will affect the cost of your car insurance in Wyoming:
- High rate of fatal car accidents
Wyoming auto insurance requirements are different from most other states. Through Wyoming's high rate of fatal car accidents, it has become a necessity to carry plenty of Wyoming car insurance.
- Severe weather
In Wyoming, avoiding damage from a storm or hail is a top priority. Your Wyoming car insurance policy can cover your vehicle comfortably, but let's look at some severe weather situations to make sure you are getting the best protection for your vehicle.
Here is a brief look at how insurance premiums in Wyoming compare with averages nationwide:
| All Coverage Before Carlay | All Coverage After Carlay | Minimum Coverage Before Carlay | Minimum Coverage After Carlay | Full Coverage Before Carlay | Full Coverage After Carlay | |
| WY | $1,909 | $1,393 | - | - | $2,397 | $1,673 |
| National Average | $2,489 | $1,671 | $2,360 | $1,390 | $2,761 | $1,963 |
| WY | National Average | |
| All Coverage Before Carlay | $1,909 | $2,489 |
| All Coverage After Carlay | $1,393 | $1,671 |
| Minimum Coverage Before Carlay | - | $2,360 |
| Minimum Coverage After Carlay | - | $1,390 |
| Full Coverage Before Carlay | $2,397 | $2,761 |
| Full Coverage After Carlay | $1,673 | $1,963 |
Top auto insurance providers in Wyoming
Here in Wyoming, you can choose from an impressive number of auto insurance companies, including State Farm, Allstate, GEICO, and Farmers.
The cost of an insurance policy varies among companies. If you get quotes from six different insurers, you'll probably end up with a lot of quotes for the same coverage. Car insurance companies in Wyoming will consider your age, driving history, location, and the vehicle you drive when they calculate your rates.
For example, a Wyoming automobile insurance carrier might see an increase in claims for a certain model of car. If you drive that model as well, you can expect this carrier to raise your premium. Another provider may see a lot of claims for car theft and vandalism in your specific geographic area, so they might raise your rates because of it.
The following carriers are among Wyoming's most popular:
What Car Insurance Do You Need in Wyoming?
Wyoming requires drivers to have the following minimum liability insurance coverage:
| Coverage | Amount | Description |
| Bodily injury liability | $25,000 per person / $50,000 per accident | Helps cover any medical bills or other costs associated with injuries you cause to others |
| Property damage liability | $20,000 per accident | Helps covers the cost associated with damage you cause to vehicles or property that belong to other people |
In Wyoming, you must carry car insurance to take responsibility for injuries and damages in the event of a collision. Your choice of whether to buy insurance is a personal one. However, you may risk fines and other penalties if you are involved in an accident and do not have car insurance.
- An expensive ticket
- A driver's license suspension
- A towed and impounded car
- A lack of financial protection if you get into an accident
You might want to consider purchasing additional liability insurance in Wyoming. It's not guaranteed to cover every expense associated with an accident, but it could help out in a pinch. Here are some additional types of coverage that Wyoming drivers might want to consider:
| Coverage | Description |
| Collision insurance | Helps cover any damages to your vehicle if you get into a collision with someone else's vehicle or another object |
| Comprehensive insurance | Helps cover damage to your car from something other than a collision, such as a contact with animals, natural disasters, fire, vandalism, theft, and fallen objects. |
| Uninsured motorist coverage | Helps cover any damages resulting from an accident caused by an uninsured driver |
Carlay car insurance helps you save money on your auto insurance, whatever coverage you're looking for. Carlay will help you compare quotes from the top name-brand insurance companies. Carlay will even help cancel your old policy and ensure you always have the lowest rate because we'll send you new quotes every time your policy comes up for renewal.
How is Your Cost of Car Insurance Determined in Wyoming?
A variety of factors affect your car insurance premium, including your age, driving record, zip code, and the type of vehicle you drive.
- Cost to insure your car in Wyoming by age
Insurers are likely to charge the youngest drivers the highest premiums, as they have less driving experience.
Young drivers in Wyoming will often be charged more for auto insurance than older drivers with the same driving record. However, young drivers can still get cheap car insurance quotes by shopping around, keeping their driving record pristine and seeking out discounts. What better way to start your shopping experience with Carlay than to quote a convenient policy?
Here are the prices Carlay offers drivers by age:
| Age Group | Average Cost | Annual Savings with Carlay |
| 18-20 | $3,000 | $1,095 |
| 21-24 | $2,972 | $1,319 |
| 25-34 | $2,067 | $663 |
| 35-44 | $1,500 | $336 |
| 45-54 | $3,063 | $990 |
- Cost to insure your car in Wyoming with a poor driving record
Drivers who have one citation can often get fairly inexpensive insurance, while those with several tickets on their records will pay higher premiums. In Wyoming, insurance companies can see all your traffic offenses within the last 10 years. If you commit another violation within the same time frame, you'll face harsher penalties.
Carlay can help you find affordable car insurance, even with a blemish on your driving record.
| Driving Violation | Average Cost | Annual Savings with Carlay |
| Clean Record | $2,553 | $964 |
| Speeding under 15 | $3,843 | $1,039 |
| Speeding over 15 | $2,160 | $742 |
| Failure to Obey Traffic Sign | $2,796 | $631 |
| Careless Driving | $5,340 | $468 |
- Cost to insure your car in Wyoming based on where you live
Drivers in major cities tend to pay more for car insurance than those who live in rural areas. The higher rate of accidents and thefts in urban areas drives up the price of insurance. The following are the savings that Carlay was able to find for drivers in 7 cities in Wyoming:
| City | Average Cost | Annual Savings with Carlay |
| Casper | $2,333 | $620 |
| Cheyenne | $2,997 | $1,030 |
| Jackson | $1,344 | $378 |
| Laramie | $3,390 | $1,557 |
| Lyman | $2,072 | $662 |
| Rock Springs | $2,062 | $744 |
| Sheridan | $2,520 | $1,192 |
- Cost to insure your car in Wyoming based on the type of car you drive
If you drive a truck or car that is easy to replace, you will pay lower insurance premiums because it costs less to repair or replace. Wyoming drivers love pickup trucks like the Ford F-150 and the RAM 1500, so finding good deals on repairs is easy.
You can get a discount on your car insurance if you drive fewer miles, because you're less likely to get into an accident. Usage-based car insurance policies reward these drivers with discounts. Carlay is great insurance! Check out these Carlay prices for some popular Wyoming car makes and models:
How to Save Money On Car Insurance in Wyoming?
Here are some ways to save money on car insurance, regardless of your demographics or location.
- Shop around for quotes
The best way to save money on your car insurance is to get competing quotes from different insurers. Carlay can help you save time and money by handling all the paperwork and phone calls associated with your vehicle purchase.
As an alternative to the slow, cumbersome, and tedious task of researching car insurance providers, you can visit Carlay and get a quote in less than a minute. All you need to do is fill out a short form, provide some basic information about your car, and then wait for us to contact dozens of insurance companies on your behalf.
Carlay has you covered when it comes to keeping track of your car insurance renewals. That's why Carlay reassess your premium every six months, and it can help you make any necessary changes throughout the year so you can get the best price for your coverage.
- Look for discounts
If you want to save money on your insurance bill, ask about discounts. Most companies offer deals, even if they aren't advertised. As you can see, Wyoming is full of discounts for people of all ages.
- Customer loyalty (e.g. bundling, early renewal)
- Demographic (e.g. good student, senior)
- Driver affiliations (e.g. military, affinity)
- Driving history (e.g. accident-free, safe driver)
- Driver training (e.g. defensive driver course)
- Equipment-related (e.g. anti-theft, new car)
- Payment (e.g. auto-pay, paperless)
Some of the most common car insurance discounts in Wyoming include:
| Discount type | Who is eligible? |
| Paperless discounts | By switching to online-only statements and scheduling automatic payments, you could qualify for a sizable discount on your car insurance. |
| Bundle your policies | Get your home and auto insurance from the same company and they'll usually slash your premium with a nice discount. |
| Good student discount | Full-time students with good grades can usually qualify for a healthy discount on their car insurance premium. You may have to provide proof of enrollment and grade point average |
| Vehicle safety discount | If your vehicle has high-rated safety features, you can get a discount on your premium. Certain makes and models are eligible for this discount, so be sure to check with your provider. |
| Telematics discount | By installing a small, free device to track driving behavior, Wyoming drivers could be rewarded with a discount of up to 30% for safe driving. Check with your insurance company for more information. There's usually a discount just for enrolling. |
When you get married, get a new job, or move to a new state, be sure to update your auto insurance policy.
- Increase your deductible
When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance will cover any remaining costs. If you raise the amount you're willing to pay for a claim, your premiums could be lower — but you'll have to pay more out of pocket if you total your car or are injured in some other way.
Registering Your Car in Wyoming
Wyoming state law requires that you include the following documentation when registering a car:
- A driver's license or ID card
- Proof of insurance
- Proof of sales tax payment
- A car title or signed lease agreement
- Proof of a safety inspection
- Proof of a smog test, depending on the age of the vehicle
Before you head to the DMV, be sure to gather your paperwork. Keep in mind that you may need to make an appointment. (It's best to call or visit a website.) Once you arrive, you'll have to fill out a form asking for some personal information (in addition to the details about your vehicle).
Wyoming drivers must renew their vehicle registrations annually.