Wyoming carries the cheapest minimum-coverage rates in the country — around $265 a year — while full coverage averages roughly $1,760, about 35% under the national average. The state follows an at-fault model with a 25/50/20 liability minimum. Here's the coverage you must carry, what residents pay, and how to save.
Wyoming uses an at-fault (tort) framework with a 25/50/20 liability minimum and no mandated PIP or uninsured-motorist coverage. At roughly $265 a year, Wyoming holds the cheapest minimum-coverage rates in the country, and full coverage averages about $1,760 — roughly 35% under the national average — thanks to the lowest population density in the nation. Long rural distances, wildlife collisions, and harsh winters are the main claim drivers, and credit history is a permitted rating factor.
The coverages below are the minimum a driver must legally carry in Wyoming. Source: Bankrate minimum-coverage requirements and state insurance department filings.
| Coverage | Minimum limit | Notes |
|---|---|---|
| Bodily injury liability | $25k / $50k | Per injured person / per crash |
| Property damage liability | $20k | Mandatory |
| Uninsured motorist | Optional | Offered; may be waived |
| Personal injury protection | Not required | Wyoming follows an at-fault model |
Independent market estimates based on Bankrate's 2026 rate data and NAIC filings, shown against the U.S. average. Actual rates vary by ZIP, carrier, and individual profile.
| Coverage level | Est. annual premium | vs. U.S. avg. | Notes |
|---|---|---|---|
| Full coverage | $1,760/yr | 35% below U.S. | Comprehensive and collision included |
| Minimum coverage | $265/yr | 68% below U.S. | The cheapest minimum in the U.S. |
Estimates apply national rate-increase multipliers to Wyoming's full-coverage average. Approximate (“~”) figures multiply the state average by a national factor and will vary by carrier.
| Driver profile | Est. annual premium | vs. state avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$1,760/yr | Baseline | Statewide full-coverage average |
| One at-fault accident | ~$2,517/yr | +43% | 1,760 × 1.43 per Bankrate |
| Speeding ticket | ~$2,182/yr | +24% | 1,760 × 1.24 per Bankrate |
| DUI on record | ~$3,309/yr | +88% | 1,760 × 1.88 per Bankrate |
| Young driver (18–24) | ~$3,520/yr | ≈2× | About double per Bankrate |
| Poor credit score | ~$2,992/yr | +70% | 1,760 × 1.70 per Bankrate |
ⓘ Source: Bankrate 2026 rate data and NAIC filings. Figures are independent estimates, not quotes. Verify pricing with a licensed agent or carrier.
Wyoming's rock-bottom pricing — the cheapest minimum anywhere — makes full coverage easy to justify, since the step up from a minimum policy is small. Rural realities like wildlife strikes and winter conditions make comprehensive and collision coverage valuable, and the 25/50/20 minimum is low against repair costs. With credit and location still creating differences between carriers, a quick comparison can pull an already-cheap Wyoming premium lower.
Wyoming is one of the most affordable states for auto insurance, with the cheapest minimum rates in the country. Because full coverage costs little more than the minimum, most drivers should carry it — and weigh a few carriers to push the rate lower.
Disclaimer: RateWire is an independent lead generation and comparison service. Rate figures for Wyoming are independent market estimates compiled from publicly available Bankrate, NAIC, and state regulatory data — not quotes. Coverage requirements summarized here are for general information only and may change; always confirm current minimums with the Wyoming insurance department. By submitting your ZIP code, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with a licensed agent before purchasing.