Ranked #51 of 51 by Cost
2026 Wyoming Car Insurance Calculator
Estimate your monthly premium based on The Equality State averages
Rate Calculator
Local insurance tip
Wyoming has one of the lowest population densities in the nation and most insurers reflect that in competitive rural rates. The biggest risk unique to Wyoming drivers is wildlife. The state has some of the highest pronghorn, deer and elk collision rates in the country. Keeping comprehensive coverage active year-round is the single most practical protection for Wyoming drivers.
Cost Breakdown
| Coverage | Monthly | Description |
|---|---|---|
| WY minimum | $51 | Legal bare minimum (liability only) |
| Standard liability | $82 | High Liability, no physical damage |
| Full coverage | $109 | Comprehensive ($500 ded.) |
| Premium protection | $148 | Max liability ($250 ded.) |
| Age | Risk | Monthly |
|---|---|---|
| 16-19 | Very high | $322 |
| 20-24 | High | $180 |
| 25-54 | Standard | $109 |
| 55-69 | Low | $104 |
| 70+ | Moderate | $136 |
| Violation | Risk | Monthly |
|---|---|---|
| Clean | Standard | $109 |
| Speeding Ticket | Moderate | $133 |
| At-Fault Accident | High | $161 |
| DUI / DWI | Very high | $311 |
Wyoming Snapshot · July 2026
$109/mo
State avg (-56% US AVG)
#51
National Rank
40%
County Spread
Rate by Neighboring States (7)
State Insight
Wyoming is the most affordable of its neighbors by a dramatic margin and the cheapest state in the country. Colorado is more than double Wyoming's average despite sharing a long border, the starkest neighboring state contrast anywhere in the country. Every other neighbor sits well above Wyoming. The state's sparse population, minimal litigation activity and low theft rates produce a cost profile that has no peer nationally.
Rate by Cities (Top 10)
Compared to WY avg ($109)
City Insight
Jackson leads the state as the only notable outlier. Teton County's concentration of high-value vehicles and resort tourism pushes it above every other Wyoming city, though even Jackson remains extraordinarily affordable by national standards. Sheridan and Rock Springs are the most affordable, their lower density and minimal traffic keeping rates well below even Wyoming's already low state average.
Rate by Counties (23)
Compared to WY avg ($109)
County Insight
Teton County stands apart at the top due to Jackson Hole's high-value vehicle concentration. Sheridan and Carbon counties are the most affordable, their sparse populations and low claim frequency pushing them to some of the lowest county-level rates in the entire United States.
What Every Wyoming Driver Needs To Know
What are the minimum car insurance requirements in WY for 2026?
Wyoming requires 25/50/20 minimums: $25,000 bodily injury per person, $50,000 per accident and $20,000 for property damage. Wyoming is an at-fault state and does not require PIP or Uninsured Motorist coverage.
Does Wyoming require Uninsured Motorist coverage?
No, UM/UIM is optional in Wyoming, but given the state's remote highway network and the practical difficulty of pursuing an uninsured driver through civil court when the nearest courthouse may be hours away, UM coverage provides an important safety net. Wyoming's uninsured driver rate is moderate but not negligible and rural accidents are harder to document and resolve than urban ones.
How do Wyoming winters affect auto insurance?
Wyoming is one of the windiest and snowiest states in the continental US and I-80 through southern Wyoming is one of the most frequently closed interstate segments in the country due to blizzard conditions. Winter collision claims are a meaningful cost driver for Wyoming insurers. Drivers who commute on exposed highway segments should ensure their collision coverage limits reflect the true replacement cost of their vehicle.
What are the penalties for driving uninsured in Wyoming?
Driving without insurance in Wyoming results in a fine of up to $750 for a first offense, license suspension and a requirement to file SR-22 for three years. Subsequent offenses carry higher fines. Wyoming uses an electronic insurance verification system and officers can confirm coverage status in real time during traffic stops.
Sources: Wyoming DOT