How much is car insurance in Wyoming?
Car insurance in Wyoming cost an average of $1,180 a year for full coverage in 2023 (NAIC), sitting 18% below the $1,439 national average and coming to about $1,400 a year in Wyoming today (about $115 a month in August 2026 dollars). In Wyoming, the law asks for at least 25/50/20 liability, while Wyoming liability-only policies—the closest NAIC figure to minimum coverage—averaged $390 in 2023 (about $460 today).
Average car insurance cost in Wyoming: 18% below the US average
Typical Wyoming full-coverage price today
about $1,400 a year in Wyoming (about $115 a month)
Wyoming's 2023 NAIC full-coverage average ($1,180) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Wyoming rate depends on your car, driving history, and coverage limits.
In 2023 NAIC data, Wyoming was the 13th least expensive of the 50 states and DC for full coverage ($1,180 vs $1,439 nationally), while ranking lower on liability alone (5th lowest in the US at $390) because 67% of a full-coverage Wyoming premium goes to collision and comprehensive coverage on your own car. NAIC also tracks Wyoming's average expenditure per insured vehicle—$948 in 2023 (12th lowest in the US, or about $1,120 today)—which sits 20% ($232) below Wyoming's full-coverage average because many Wyoming drivers drop collision or comprehensive on older cars.
How Wyoming compares with Colorado, Idaho, Montana, and 3 more bordering states
A typical policy in Wyoming ($1,180 in 2023) costs more than in Idaho and South Dakota and less than in Colorado, Montana, Nebraska, and Utah. Among Wyoming's neighbors, Idaho had the lowest 2023 average ($981, moving to Wyoming is about $270 more a year) and Colorado had the highest ($1,655, moving to Wyoming is about $630 less a year).
| State | 2023 average | Moving to Wyoming from there |
|---|---|---|
| Wyoming | $1,180 | Current state (Wyoming) |
| Colorado | $1,655 | About $630 less a year |
| Idaho | $981 | About $270 more a year |
| Montana | $1,184 | About the same |
| Nebraska | $1,184 | About the same |
| South Dakota | $1,158 | About the same |
| Utah | $1,285 | About $140 less a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: Kansas ($1,182 in 2023, about $1,400 today), Kentucky ($1,208 in 2023, about $1,430 today), Tennessee ($1,212 in 2023, about $1,440 today), and Minnesota ($1,223 in 2023, about $1,450 today).
Wyoming: 25/50/20 minimums, with uninsured-motorist coverage unless you decline it
- Wyoming liability (per person / per crash / property)
- $25,000 / $50,000 / $20,000
- Personal injury protection (PIP) in Wyoming
- Not required
- Medical payments in Wyoming
- Not required
- No-fault system in Wyoming
- No
- Uninsured motorist in Wyoming
- Included unless you decline
- Underinsured motorist in Wyoming
- Not required
Set by Wyo. Stat. 31-9-405(b), Wyoming's 25/50/20 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $20,000 for others' property—the legal floor in Wyoming, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Wyoming—the closest NAIC figure to what a Wyoming minimum policy costs—averaged $390 in 2023 (about $460 in Wyoming today), the 5th lowest of the 50 states and DC. That makes liability 33% of Wyoming's full-coverage average ($1,180), while the remaining 67% goes toward collision and comprehensive coverage for your own car.
Wyoming requires at least $25,000 per person and $50,000 per crash for injuries, plus $20,000 for property damage. Uninsured-motorist coverage comes with your policy unless you turn it down.
Good to know: The law lets you turn down uninsured motorist coverage without saying the first refusal has to be in writing, so it's marked "included unless you decline."
What we couldn’t confirm: We found no underinsured motorist requirement in the traffic laws, but we didn't check the insurance code for a rule that insurers must offer it.
- Uninsured and underinsured motorist
- Uninsured motorist coverage for injuries is at least $25,000/$50,000. There's no property-damage requirement.
- History and recent checks
- 25/50/20 per W.S. 31-9-405(b) and 31-9-102(a)(xi) in the official Title 31 compilation (PDF dated May 8, 2026); no 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- Wyo. Stat. 31-9-405(b)
twenty-five thousand dollars ($25,000.00) because of bodily injury to or death of one (1) person ... fifty thousand dollars ($50,000.00) ... twenty thousand dollars ($20,000.00) because of injury to or destruction of property
- Wyo. Stat. 31-4-103(a)
No owner of a motor vehicle ... shall operate or permit the operation of his motor vehicle without having in full force and effect a motor vehicle liability policy in amounts provided by W.S. 31-9-405(b)
- Wyo. Stat. 31-10-101
unless coverage is provided therein ... in limits for bodily injury or death as provided by W.S. 31-9-102(a)(xi) ... uninsured motor vehicles ... The named insured may reject the coverage.
- Wyo. Stat. 31-9-405(b)
Adding a 16-year-old driver in Wyoming: about $920 more a year
Adding a 16-year-old to a Wyoming policy
about $920 more a year
About $75 a month (+66% over a typical Wyoming adult policy of $1,400), bringing the combined Wyoming family policy to roughly $1,750–$3,050 a year.
On a separate Wyoming policy of their own with the same car, a 16-year-old in Wyoming would pay about $4,010 a year (roughly $3,050–$5,700), so sharing a parent's Wyoming policy saves about $3,090 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Wyoming's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Wyoming
In Wyoming, the 2022 Subaru Forester is the cheapest of the 33 cars on the site's popular lists to add a teen with: about $820 more a year on a Wyoming policy, compared with about $1,390 more a year for the 2022 Tesla Model 3 in Wyoming.
| 2022 model | Added to a Wyoming policy | Own Wyoming policy |
|---|---|---|
| 2022 Subaru Forester | +$820 in Wyoming | $3,580 in Wyoming |
| 2022 Subaru Outback | +$830 in Wyoming | $3,590 in Wyoming |
| 2022 Subaru Crosstrek | +$830 in Wyoming | $3,600 in Wyoming |
| 2022 Honda CR-V | +$890 in Wyoming | $3,850 in Wyoming |
| 2022 Toyota RAV4 | +$900 in Wyoming | $3,920 in Wyoming |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Wyoming
In Wyoming, a 45-year-old with full coverage pays from about $1,460 a year for a 2024 Subaru Legacy to about $1,870 for a 2024 Kia K5 on these Wyoming sample models.
| Car | 45-year-old in Wyoming | Adding a teen in Wyoming |
|---|---|---|
| 2024 Kia K5 | about $1,870 a year | +$1,230 a year |
| 2024 Hyundai Sonata | about $1,770 a year | +$1,170 a year |
| 2024 Chevrolet Malibu | about $1,840 a year | +$1,220 a year |
| 2024 Chevrolet Trax | about $1,560 a year | +$1,030 a year |
| 2024 Buick Envista | about $1,580 a year | +$1,040 a year |
| 2024 Subaru Legacy | about $1,460 a year | +$960 a year |
| 2024 Kia Seltos | about $1,560 a year | +$1,030 a year |
| 2024 Hyundai Venue | about $1,640 a year | +$1,080 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Wyoming
- How much is car insurance in Wyoming?
- In Wyoming, full-coverage car insurance averaged $1,180 a year in 2023 (the 13th least expensive of the 50 states and DC per NAIC), or about $1,400 a year ($115 a month) in Wyoming as of August 2026. Wyoming liability-only coverage averaged $390 in 2023 (33% of Wyoming's full-coverage figure, or about $460 today), and Wyoming drivers spent $948 per insured car across all policies.
- What are the minimum car insurance limits in Wyoming?
- Under Wyo. Stat. 31-9-405(b), Wyoming requires 25/50/20 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $20,000 for property damage. 25/50/20 per W.S. 31-9-405(b) and 31-9-102(a)(xi) in the official Title 31 compilation (PDF dated May 8, 2026); no 2024-2026 change found.
- How much does adding a 16-year-old teen driver cost in Wyoming?
- Adding a 16-year-old to a parent's full-coverage policy in Wyoming adds about $920 more a year ($75 a month), bringing the Wyoming household policy to roughly $1,750–$3,050 a year versus about $4,010 a year (roughly $3,050–$5,700) on a standalone Wyoming teen policy.
- Is Wyoming a no-fault car insurance state?
- No—Wyoming is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Wyoming does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Wyoming: Uninsured motorist coverage for injuries is at least $25,000/$50,000. There's no property-damage requirement.
- How does Wyoming's car insurance cost compare with Colorado?
- Wyoming averaged $1,180 for full coverage in 2023 (NAIC) against $1,655 in Colorado (29% less than Colorado), and moving a sample policy from Colorado to Wyoming today is about $630 less a year. Other bordering states averaged $981 in Idaho, $1,184 in Montana, $1,184 in Nebraska, $1,158 in South Dakota, and $1,285 in Utah in 2023.
Sources for Wyoming
- Wyoming average premiums ($1,180 full coverage, $390 liability-only, $948 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Wyoming minimum coverage statutes (Wyo. Stat. 31-9-405(b); Wyo. Stat. 31-4-103(a); Wyo. Stat. 31-10-101), checked September 22, 2026. Page updated for Wyoming. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.