State Guide

Wyoming Auto Insurance Guide 2025

Updated December 2025 • 8 min read

Understanding Auto Insurance in Wyoming

Wyoming residents have unique insurance needs due to local regulations and driving conditions. This comprehensive guide covers everything you need to know about auto insurance in 2025.

💰 Average Annual Premium in Wyoming

$1387/year

This is about the national average of $1,674/year.

Minimum Requirements in Wyoming

Wyoming law requires all drivers to carry minimum liability coverage:

  • Bodily Injury Liability: $25,000 per person / $50,000 per accident
  • Property Damage Liability: $25,000
  • Uninsured Motorist: Recommended

⚠️ Minimum coverage may not be enough. Experts recommend at least $100,000/$300,000 for full protection.

Top Insurance Companies in Wyoming

State Farm

Best overall coverage

GEICO

Best for affordable rates

Progressive

Best for high-risk drivers

Allstate

Best for bundling

How to Save Money on Auto Insurance in Wyoming

  1. Compare quotes from at least 5 providers
  2. Bundle policies - save 15-25% by combining home & auto
  3. Raise your deductible - $500→$1000 saves 15-20%
  4. Ask about discounts - good driver, low mileage, safety features
  5. Maintain good credit - better credit = lower rates

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