Free Wyoming Car Insurance Quotes

What is the minimum car insurance required in Wyoming?

Wyoming law requires drivers to carry the following minimum coverage types (often shown as 25/50/20):

According to the Wyoming Department of Insurance, drivers must carry at least the minimum amounts of bodily injury liability and property damage liability coverage. Uninsured/underinsured motorist (UM/UIM) coverage must be offered by your insurer but may be declined in writing — it is not required.

Check other insurance options for Wyoming

Additional Wyoming auto insurance coverages to consider

A Farmers Flex Personal Auto policy goes beyond the basics, offering a wide range of optional coverages and features to help you tailor your policy to suit your lifestyle.

Read more about other optional policy features and coverages:

• Accident forgiveness
• Declining deductibles
• Enhanced roadside and ride assistance
• Vehicle replacement plus
• Rental coverage or rental alternative coverage
• New original parts
• $100 glass deductible

What liability insurance is required in Wyoming?

Both bodily injury liability and property damage liability insurance are required in Wyoming in the following minimum amounts:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident (total for all injuries)
• $20,000 property damage liability per accident

What “25/50/20” means:

• 25 = up to $25,000 for injuries to one person in an accident you cause
• 50 = up to $50,000 for injuries to multiple people in the same accident
• 20 = up to $20,000 for property damage (such as the other driver’s car)

How much is car insurance in Wyoming?

Wyoming drivers paid an average of $1,189 a year for auto insurance, less than the national average of $1,438, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums have changed in most states since that data was collected. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.

Save money with Wyoming car insurance discounts

Farmers^® offers a variety of discounts for eligible drivers in Wyoming. A few examples of how you might lower your premium:

Multi-Vehicle Discount

If you insure more than one vehicle on your Farmers policy, you may qualify for a discount on each. It’s one of the simplest ways for households with multiple cars to reduce their overall insurance costs.

Welcome Discount

New to Farmers? You may qualify for a discount just for switching to a Farmers auto policy. It’s one of the easiest ways to start saving from day one.

Loyalty Discount

The longer you stay with Farmers, the more you may save. Loyal customers who maintain continuous coverage may qualify for a discount that grows over time.

Five Year Accident-Free Discount

If you’ve gone five years without an at-fault accident, you may qualify for this discount — a reward for your consistent safe driving on Wyoming’s roads.

Youthful Driver Discount

Adding a young driver to your policy can raise your premium, but if they’re a student who maintains good grades, they may be eligible for a discount that helps offset that increase.

Signal^®

Signal is Farmers’ safe driving app that can reward you with an initial discount just for signing up, plus additional savings based on your driving behavior. It’s a straightforward way to turn safe habits on Idaho roads into lower rates.

Wyoming auto insurance bundling discounts and benefits

Bundling insurance can help you save money and time and avoid accidental gaps in coverage. Bundling a Farmers car and home policy can save you up to 10% or more off both. Beyond the savings, bundling simplifies your insurance. You’ll have one insurer and one point of contact if you ever need to file a claim. To explore even more bundling options — including condo, RV, life and umbrella policies — talk to a Wyoming Farmers agent about how much you could save.

Factors that affect your Wyoming car insurance rates

While every insurer uses its own rating methods, premiums are often based on your level of risk, the vehicle you drive and where you live. You may be able to lower your premium by maintaining a safe driving record, choosing a higher deductible, qualifying for discounts or bundling your auto policy with other insurance coverage.

Factors that may affect your car insurance rate in Wyoming include:

• Your age and driving experience
• Your driving record and claims history
• The type, value and safety features of your vehicle
• How much you drive each year
• Your ZIP code and local accident or theft rates
• The coverage limits and deductible you choose
• Available discounts, such as bundling policies

Is Wyoming a no-fault state?

No. Wyoming is an at-fault state, which means the driver who causes an accident is responsible for the resulting injuries and property damage. That’s different from no-fault states, where personal injury protection (PIP) coverage helps pay certain costs like medical expenses and lost wages after an accident, regardless of who caused it. Wyoming does not require PIP or medical payments (MedPay) coverage, but MedPay may be available as an optional add-on to help pay medical costs for you or your passengers after a covered accident, regardless of fault.

How to get an auto insurance quote in Wyoming

Have this information at your fingertips to help make getting a Wyoming car insurance quote quick and easy. You can start a free quote online with Farmers FastQuote^® or connect with a local Farmers agent.

Drivers and household details

• Name and date of birth
• Address and phone number
• Driver’s license number
• Household occupants (drivers and nondrivers), ages and driving history
• Commute, including how many miles, how often, what hours
• Current insurance information

Vehicle information

• Make, model, year
• License plate number
• Vehicle identification number (VIN)
• Current mileage/odometer reading
• Purchase date
• Loan or lease documentation (if applicable)
  
  

Wyoming car insurance FAQs