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Minimum Car Insurance Requirements For Wyoming And Cost Savings Ideas

Seeking Wyoming car insurance rates? Or the state minimum coverage? Then you have come to the right place. If you want to find insurance savings then enter your five digit zip code at the top of the page in the advance multi-quote comparison tool.

If you would like to know the state minimum cover for Wyoming then this is provided below, plus some cost savings ideas to help you lower your monthly premium.

Wyoming Minimum Liability Coverage

CoverageDelaware Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 per person / $50,000 per accident$100,000 per person / $300,000 per accident
Property Damage$20,000 per accident$100,000 per accident
Medical Payments Coverage (MedPay)N/A$5,000
Uninsured MotoristN/A$25,000 / $50,000
Comprehensive CoverageN/A$500 deductible
Collision CoverageN/A$500 deductible

Bodily Injury Liability

In the event the insured party is held answerable for the accident, bodily injury liability covers the doctor’s bills or medical expense of the passengers in the other vehicle. If the minimum coverage is purchased the insurer will pay $25,000 for a single person up to $50,000 for all passengers concerned in the accident.

Property Damage Liability

This insurance covers damages to the other person’s automobile as well as private or public property such as guard rails, traffic signs, your neighbor’s mailbox or a garage door, which could have been concerned in the accident. Under minimum coverage the insurance corporation will pay up to $20,000 to cover losses sustained in the accident.

There are no other minimum requirements for auto insurance in the state of Wyoming, however, it is recommended to get additional coverage, particularly if you have a vehicle which costs more than $4,000.

Cheapest Auto Insurance Firms in Wyoming

RankAuto Insurance CompanyAverage Annual Rate
1GEICO$798
2State Farm $811
3Grange $823
4Safeco Insurance Company of America$869
5California Casualty$912
6Allstate$969
7Progressive$978
8Mountain West Farm Bureau Mutual$1,092
9Mid-Century Insurance$1,236
10Farmers$1,284
Wyoming Average$1,012

Illustration of Cheapest Insurers

Graph shows which auto insurance companies have the cheapest prices for auto premiums in Wyoming, Geico, state farm, Grange

Second Illustration

second graph showing the top 10 cheapest auto insurance firms by lowest premium per company.

The average or common amount of coverage per driver in Wyoming

  • Bodily Injury Liability – 100,000/300,000

  • Property Damage Liability – 100,000

  • Medical Payment Coverage – $5,000

  • Uninsured Motorist Protection (UM) – 25,000/50,000

  • Comprehensive Coverage – $250 deductible

  • Collision Coverage – $500 deductible

If you are shopping for Wyoming cheap auto insurance then you want to be sure to have more advantages to save on car insurance.

This graph shows the highest percentage of savings for lowering a drivers rate with auto insurance. Shopping around is the highest at 25 percent and comparing costs at 20, with good credit and low mileage at 15, 10 respectively.

Note: The percentage savings are only approximate. Shopping for cheaper car insurance normally produces savings of 25 percent in the State of Wyoming.

*Compare costs of auto insurance before you buy the vehicle.

**Low mileage driving or even for “pleasure” use if you take the bus instead of driving.

Listed below are some of the best ways to save. Be sure to discuss with your agent, broker, use an online directory, what is covered and what may not be covered. What you would pay if you raised any of your deductibles?

The best ways to save on car insurance in The Cowboy State

  • Carpooling – let the insurer know you drive only 8,000 miles per year instead of 12,000.

  • Be sure to buy what you need – if you have a $2,000 vehicle then forgo comprehensive and collision coverage.

  • Raise your deductible – if you raised your deductible for comprehensive or collision from $100 to $1000 dollars you could get an extra fifteen percent in savings. Just know that first $1000 comes out of your pocket if you need to use the cover.

  • Combine your polices – if you have health, car, life, or any other type of insurance then think about combining them into an umbrella policy with one insurer.

  • Check your driving habits – if you have recently moved or you are driving less then tell your broker and get reduced rates. Lower mileage is always lower car insurance rates.

  • Use a tracking device – If you know you are good driver then devices such as Progressive’s Snapshot program can drastically reduce your rates.

  • Pay your bills on time – The majority of insurers use your credit score to determine your rate and if they see a few late payments then your rates can go up.

Table of Available Wyoming Discounts

By PopularityDiscount AvailableTypical Percentage Discount
1Multi-car10 Percent
2Multi-policy10 Percent
3Anti-theft or security system5 Percent
4Good student5 Percent
5Driver eduction10 - 15 Percent
6Safety course10 - 20 Percent
7VIN “etching” discounts*5 Percent

Local Car Insurance Agents w/ Cheapest Rate

CityAvg RateCheapest Insurer / Price
Arapahoe$1,009State Farm / $912
Bar Nunn$991Grange / $868
Casper$984GEICO / $846
Cheyenne$969GEICO / $849
Cody$991State Farm / $853
Dayton$986Grange / $811
Ethete$982State Farm / $816
Evanston$998Grange / $888
Evansville$992State Farm / $872
Fort Washakie$984State Farm / $873
Gillette$992GEICO / $869
Green River$1,002Grange / $845
Guernsey$970State Farm / $844
Hudson$985GEICO / $816
Lander$996Grange / $854
Laramie$1,103GEICO / $976
Mills$967State Farm / $902
Ralston$1,032Grange / $932
Ranchester$1,045GEICO / $908
Reliance$992State Farm / $801
Riverton$979GEICO / $826
Rock Springs$1,107Grange / $991
Sheridan$1,006GEICO / $903
Story$912State Farm / $801
Superior$876State Farm / $763
Torrington$769GEICO / $735
Wheatland$872Grange / $793
Wilson$916State Farm / $827

Table of Cheapest Insurers Major Cities

Cheyenne

RankAuto Insurance CompanyAvg. Premium
1GEICO$818
2State Farm$879
3Grange$891
4California Casualty$934
5Allstate$989

Casper

RankAuto Insurance CompanyAvg. Premium
1GEICO$856
2State Farm$885
3Safeco $943
4Grange$986
5Allstate$1,005

Laramie

RankAuto Insurance CompanyAvg. Premium
1GEICO$793
2State Farm$812
3Grange$822
4Allstate$863
5California Casualty$925

Conclusion

At Autoinsuresavings we never want you to settle for less nor pay more for Wyoming car insurance quotes when all you have to do is comparison shop in your home or whenever you are on the go.

The advance tool at the top of the page will help you find additional savings on Wyoming auto insurance. Once you have the policy that fits your needs be sure to take advantage of the discounts and methods to lower your monthly premium. Then you are on your way to saving hundreds of dollars per year on your policy. 

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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