Cheap Car Insurance in Wyoming
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Wyoming Car Insurance Minimums
Wyoming requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$20,000
At-fault (tort) state.
Source: W.S. 31-10-101; W.S. 31-9-405(b)(ii), verified 2026-09-01.
What drives car insurance rates in Wyoming
Average spend per insured vehicle, 2023
$948
Wyoming drivers spent $948 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
64.1¢
Auto insurers in Wyoming paid 64.1 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.1
Wyoming recorded 107 traffic deaths in 2024, 1.1 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
78.3
Wyoming reported 461 motor vehicle thefts in 2025, 78.3 per 100,000 residents, from 106.2 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#48
FEMA ranks Wyoming #48 of 51 for expected annual loss from natural hazards; flood accounts for 45% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Wyoming
The ten insurer groups that wrote the most auto premium in Wyoming in 2025, with their share of the state total of $615 million.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 24.6% | $151 million |
| 2 | Progressive Group | 21.79% | $134 million |
| 3 | Mountain West Farm Group | 10.35% | $64 million |
| 4 | Farmers Insurance Group | 9.31% | $57 million |
| 5 | Berkshire Hathaway Group | 8.01% | $49 million |
| 6 | United Services Automobile Association Group | 6.68% | $41 million |
| 7 | Allstate Insurance Group | 5.9% | $36 million |
| 8 | Liberty Mutual Group | 4.57% | $28 million |
| 9 | Sentry Insurance Group | 2% | $12 million |
| 10 | Markel Group | 1.92% | $12 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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