Comparing auto insurance in Wyoming is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Wyoming drivers may want to consider comprehensive coverage because winter weather, hail, wind, wildfire-related damage, theft, vandalism, cracked glass, long rural drives and wildlife collisions can create losses that state-minimum liability coverage will not pay for.
Wyoming average rates are well below Bankrate’s listed national averages for both full and minimum coverage, but premiums can still rise after speeding tickets, at-fault accidents, DUI convictions, poor credit, SR-22 filings or coverage lapses.
25/50/20
Wyoming requires at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $20,000 property damage liability. Wyoming auto policies must also include uninsured motorist bodily injury coverage at the state bodily injury limits unless the named insured rejects the coverage.
At Fault
Offer/Rejection Rule
PIP is not required in Wyoming. Wyoming is an at-fault state, so injury and property damage claims generally depend on who caused the crash. Medical payments coverage may be available as optional coverage.
Required
Wyoming auto policies must include uninsured motorist bodily injury coverage unless the named insured rejects it. The minimum UM bodily injury limits follow the state bodily injury liability limits of $25,000 per person and $50,000 per accident. Underinsured motorist coverage is not required.
Recent rate data estimates Wyoming annual auto insurance premiums at about $1,760 for full coverage and $264 for minimum coverage.
| Driver Profile | Estimated Annual Premium | Estimated Monthly Premium |
|---|---|---|
| State minimum coverage | $264 | $22 |
| Full coverage | $1,760 | $147 |
| Full coverage with speeding ticket | $2,467 | $206 |
| Full coverage after at-fault accident | $2,346 | $196 |
| Full coverage after DUI | $3,484 | $290 |
| Full coverage with poor credit | $2,884 | $240 |
Bankrate, 2026
Source: Bankrate
Average rates are sample premiums and will vary by ZIP code, driver profile, vehicle, coverage limits, deductibles, credit tier and insurer.
Wyoming minimum coverage focuses on required protection such as Wyoming requires at least $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $20,000 property damage liability. Wyoming auto policies must also include uninsured motorist bodily injury coverage at the state bodily injury limits unless the named insured rejects the coverage.. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Wyoming may require an SR-22 financial responsibility filing after certain suspensions or reinstatement situations. WYDOT says an uninsured accident suspension that becomes effective requires proof of financial responsibility through an SR-22 certificate, a $50 reinstatement fee, and SR-22 filing for three years from the suspension start date.
Wyoming does not use FR-44 filings.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Wyoming auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Wyoming drivers, including:
Ask about bundling, safe-driver, paid-in-full, good-student, multi-policy, multi-vehicle, anti-theft, low-mileage and telematics discounts. Drivers in rural areas or with short commutes may benefit from usage-based or low-mileage programs.
Ask about available discounts when comparing quotes.
| Rank | Carrier |
|---|---|
| 1 | Geico |
| 2 | State Farm |
| 3 | Allstate |
| 4 | Farmers |
| 5 | USAA |
Carrier pricing and availability vary by ZIP code, vehicle, coverage selection and driver profile. USAA eligibility is limited to military members, veterans and qualifying family members.
Find auto insurance in these major Wyoming cities:
Wyoming requires 25/50/20 liability coverage: $25,000 bodily injury liability per person, $50,000 per accident and $20,000 property damage liability. Wyoming policies must also include uninsured motorist bodily injury coverage unless the named insured rejects it.
No. Wyoming is an at-fault state, so the driver who causes a crash can be held financially responsible for injuries and property damage.
No. PIP is not required in Wyoming. Drivers may be able to add optional medical payments coverage depending on the insurer.
Wyoming auto policies must include uninsured motorist bodily injury coverage unless the named insured rejects it. The minimum UM bodily injury limits follow the state bodily injury liability limits of $25,000 per person and $50,000 per accident.
Bankrate lists Wyoming’s average annual cost at $1,760 for full coverage and $264 for minimum coverage. Actual quotes depend on ZIP code, driving record, vehicle, coverage limits, deductibles, credit tier and insurer.
Wyoming may require an SR-22 after certain suspensions or reinstatement situations. WYDOT says an uninsured accident suspension that becomes effective requires an SR-22 certificate and the SR-22 must be maintained for three years from the suspension start date.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
