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Cheapest Car Insurance in Wyoming

“Big Wyoming” gets its nickname from the expansive wide-open ranges across its vast landscape. With the clash of the Great Plains and the Rocky Mountains comes the unrivaled wild-western panoramas that make Wyoming earn it nickname, “The Cowboy State”. Whether covered in snow or bristling in long grass, the Grand Teton National Park introduces visitors to the Rocky Mountains all year long. Open ranges and open skies make this wilderness state a sought-after destination for many drivers across the nation. is making getting around the state a little easier by finding and organizing all the essential car insurance facts and laws in this one stop spot.


Change seems to come slow across such a wide open state, but not so much with its driving laws and regulations. This list of Wyoming’s important laws and regulations provides the state’s drivers an easy-to-read source to help protect them on the road.

Wyoming’s Minimum Requirements for Car Insurance

  • Wyoming’s Mandatory Auto Insurance Law states that every vehicle driven in the state must be covered by Liability Insurance.
  • Liability minimums in Wyoming:
    • $25,000 per person in an accident.
    • $50,000 per accident.
    • $20,000 covers property damage in an accident.

New Driver Licensing Requirements

  • The Wyoming Driver’s License Manual neatly outlines the licensing process for new and out-of-state drivers. If an applicant holds a valid out-of-state license, he/she may waive the written and skills tests. This also applies to a qualified driver who has completed an approved driver education course. For drivers under the age of 18, the Wyoming Department of Transportation (WYDOT) recommends obtaining an instruction permit to gain valuable driving training prior to being eligible for a full driver license.
  • Instruction Permit. The following is needed for this permit:
    • Applicants must have turned 15 years old.
    • The applicants must pass the written test and the knowledge test.
    • The applicant may only drive when a licensed driver age 18 or older is occupying the seat adjacent to the driver.
    • The applicant must drive for 50 hours including 10 hours of night driving. This must be documented by the supervising driver(s).
    • The applicant must hold the permit for at least 6 months.
  • Intermediate License. After passing the road skills test and the requirements for the permit, an applicant who has turned 16 years old may apply for this license. The following restrictions apply:
    • More than one unrelated passenger under the age of 18 is not allowed in the vehicle unless the applicant is being supervised by a licensed driver age 18 or older.
    • All applicants must wear seat belts.
    • The applicant is restricted from driving between 11pm and 5am unless:
      • the applicant is accompanied by an adult as listed above.
      • the applicant is required to drive for a medical emergency/necessity.
      • the applicant is going to/from school or work.
  • At age 16 years, 6 months, the applicant may apply for a Full Driver License if he/she has:
    • held the Intermediate license for at least 6 months with no violations.
    • Completed a driver education course.
    • Satisfied all requirements for the Intermediate License.
  • Vision Screening. An applicant’s peripheral vision must be at least 120 degrees and his/her visual acuity must be at least 20/40 to obtain an unrestricted driver license. Corrective lenses may be worn to pass the test, and restrictions apply for lenses and differing levels of vision.
  • Knowledge Test. Wyoming’s Driver’s Manual must be studied in preparation for the knowledge test. The computer-based test evaluates the applicant’s knowledge in three areas:
    • Identifying traffic signs by shape, color and/or symbol
    • Identifying pavement markings and traffic signals
    • Understanding traffic laws, rules, regulations and proper driving procedures
  • If an applicant fails the test, he/she may re-take it the same day unless an excessive number of questions were answered wrong.
  • Skills Test. This test evaluates the driver’s vehicle handling skills. The specific requirements are outlined in the driver’s manual, and the vehicle provided by the applicant must be insured, registered and safe.
  • Upon failure of the skills test, the applicant must wait 24 hours to re-test. If the applicant misses more than 13 points, he/she must wait 36 hours.
  • Fees. Each applicant must pay the applicable fees:
    • Instruction Permit: $20
    • Intermediate License: $10
    • Regular License: $20


  • BAC limit: .08 Wyoming Law (§ 31-5-233) describes the legal factors in the state’s DUI evaluations. The minimum penalties for DUI in Wyoming are:
  • First Offense:
    • Jail: maximum 6 months
    • License revocation: 90 days
    • Fine: maximum $750
    • Ignition Interlock Device: required if BAC is over .15
  • Second Offense within 10 years:
    • Jail: 7 days to 6 months
    • License revocation: 1 year
    • Fine: $250 to $750
    • Ignition Interlock Device: required
  • Third Offense within 10 years:
    • Jail: 1 month to 6 months
    • License revocation: 3 years
    • Fine: $750 to $3,000
    • Ignition Interlock Device: lifetime
  • Refusals:
    • First Offense: License suspension for 6 months
    • Second and subsequent offense(s): suspension for 18 months

Texting & Driving Laws reports that Wyoming allows no texting for all drivers, and novice drivers may not operate a cell phone while driving.

Unique Laws

Alcohol seems to play some part in many of Wyoming’s laws. For example, one may not skydive, ski, buy junk, buy rubber, occupy a mine or walk into a sawmill while intoxicated. Other, not so alcoholic, laws include the prohibition of showering on Wednesdays and taking pictures of rabbits in June. One may not tattoo a horse to disguise it, and one may not fish with a firearm!


Best Cheap Car Insurance Quotes for Wyoming

Laramie County Car Insurance

Home to the state capital of Cheyenne, Laramie County is Wyoming's most populous, home to 91,738 residents at the 2010 Census. Interstate 25 meets Interstate 80 in Cheyenne, which is also the county seat. The county makes up the southeast corner of the state, lying about 90 miles north of Denver, Colorado. Laramie County is not to be confused with the city of Laramie, located in the neighboring County of Albany.

Located at the Nebraska state line to the east, Laramie County has the honor of being the least populous county that is the most populous county in its state. Nicknamed "Trail Town USA," for its many connecting greenways, Cheyenne is one of the least centrally located state capitals in the U.S. Points of interest include the Wyoming State Museum, Cheyenne Frontier Days Old West Museum, Curt Gowdy State Park and Cheyenne Depot Plaza.

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Natrona County Car Insurance

Home to 75,450 at the 2010 Census, Natrona County is Wyoming's second most populous. Interstate 25 traverses its northeast portion through Casper, the county seat. The county was named for its local deposits of natron, a naturally occurring mineral mixture once harvested as an early cleaner and mouthwash.

Unique geographic features include Casper Mountain, which rises 3,000 feet above the town, Devil's Gate and Teapot Rock. Hell's Half Acre, located about 40 miles west of Casper, is a 320-acre oddity that includes deep ravines, rock formations, caves and erosion. It was used as the location for a fictional planet during the filming of the movie, "Starship Troopers." Native Americans were said to have used the area to drive bison to their deaths during hunts.

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Campbell County Car Insurance

An elongated county stretching from the Montana state line south to include part of the Thunder Basin National Grassland, Campbell County in northeast Wyoming was home to 46,133 at the 2010 Census. The county is bisected by Interstate 90, which runs through the county seat of Gillette.

Located near the small town of Wright is the largest coal mine in the U.S., known as Black Thunder. The surface mine is located in the Powder River Basin, which contains one of the largest deposits of coal in the world. The Eagle Butte Coal Mine 7 miles north of Gillette offers educational guided tours. Also among attractions for visitors is the Rockpile Museum, a free museum depicting the history of coal mining and offering hands-on activities for children.

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Sweetwater County Car Insurance

Meeting both Utah and Colorado at their northern borders, Sweetwater County in southern Wyoming is the largest county in the state by area. Home to 43,806 at the 2010 Census, the county encompasses most of the Great Divide Basin.

Green River, the county seat, annually hosts Flaming Gorge Days, a music festival with basketball tournament, 5K and other activities. The county's largest city, Rock Springs, is known as the "Home of 56 Nationalities" due to the influx of immigrants from all over the globe who came to work in the coal mines that supplied the Union Pacific Railroad. Each summer, the city hosts International Day downtown. "Wyoming's Big Show" is another popular yearly event held in Rock Springs.

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Fremont County Car Insurance

Roughly the size of Vermont, the central Wyoming County of Fremont is the state's second largest by area, at 9,266 square miles. It encompasses part of the Bridger National Forest, Shoshone National Forest and Teton National Forest. Much of the western edge of the county runs along the Continental Divide.

Lander, the county seat, is a tourist draw with a number of dude ranches nearby and is located just south of the Wind River Indian Reservation. Points of interest include Sinks Canyon State park, the Museum of the American West and the Fremont County Pioneer Museum. The largest community of Riverton is so named because it is the meeting point of four rivers. It is also home of Central Wyoming College and visitor draws such as the Wind River Casino, Wind River Heritage Center and Castle Gardens Petroglyph Site.

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Albany County Car Insurance

In southern Wyoming along the Colorado state line, Albany County had 36,299 residents at the 2010 Census. Interstate 80 runs northwest to southeast through the south end of the county, connecting the county seat of Laramie to the state capital of Cheyenne 50 miles to the east.

Also the largest city in the county, Laramie is home to the University of Wyoming, founded in 1886. The university's Geological Museum is a popular museum for families. Other points of interest include the Laramie Plains Museum, Medicine Bow National Forest and the Wyoming Territorial Prison State Historic Site, one of two remaining U.S. territorial prisons. Now a museum with a self-guided tour, it is said to have housed many noted outlaws, including Butch Cassidy and the Sundance Kid.

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Sheridan County Car Insurance

Just south of the Wyoming-Montana state line is Sheridan County, home to nearly 30,000 at the 2010 Census. Its seat, Sheridan, a popular Western town for tourism, is located at Interstate 90 and U.S. Route 14.

The county contains part of the Bighorn National Forest, one of the oldest government protected forest lands in the U.S. It contains Shell Falls, a waterfall a few miles upstream from the town of Shell. The first Dude Ranch in Wyoming, Eaton's Ranch, was located near Wolf. It is where the term "dude" originated. Founded on 1879, it's located on the old Bozeman Trail about 18 miles west of Sheridan.

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Park County Car Insurance

Located at the northwest corner of Wyoming, Park County is a big tourist draw, named for the famous park that lies partially within it. The county contains just over half of the vast Yellowstone National Park, a 3,500-square-mile wilderness located on a volcanic hot spot.

The county seat, the town of Cody, is named after William "Buffalo Bill" Cody. With a population of about 10,000, Cody lies on the Shoshone River, which flows through it via a deep canyon. Aside from Yellowstone, draws for visitors include the Buffalo Bill Historic Center, Cody Stampede Rodeo and Old Trail Town, a restoration of more than 25 Western buildings and artifacts just off the Yellowstone Highway. Cody is the birthplace of abstract artist Jackson Pollock.

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Teton County Car Insurance

At the Idaho state line in northwest Wyoming, Teton County contains all of Grand Teton National Park and about 40 percent of Yellowstone National Park, including most of Yellowstone Lake. It is home to the Jackson Hole ski area, a valley situation between the Teton Range and the Gros Ventre Range.

Within the Jackson Hole valley is the county seat and largest city in Teton County, the City of Jackson, where the population was 8,647 at the 2010 Census. Jackson is a popular tourist town where signature arches made from elk antlers are a big draw. In addition to its many parks and resorts, the National Elk Refuge lures visitors who take horse-drawn sleigh rides in the winter to view the elk herds there. The tourism has also allowed development of a large shopping, restaurant and entertainment district in Jackson.

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Uinta County Car Insurance

Northeast of the Utah State Line, Uinta County makes up the southwestern corner of Wyoming. The county seat, Evanston, sits right at the Utah border, home to 12,359 at the 2010 Census. Interstate 80 running east-to-west bisects the county, passing through Evanston on the west end to Rock Springs 90 minutes to the east.

Uinta County is home to Bear River State Park, where bison and elk are often seen by passersby. Attractions for visitors also include the downtown Evanston Uinta County Museum, St. Mary Magdalen Catholic Church and Chinese Joss House Museum.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Big Horn$1,017.00$776.00$1,134.00$851.00$1,040.00
Hot Springs$1,017.00$776.00$1,134.00$851.00$1,040.00
Weston$1,017.00$776.00$1,134.00$851.00$1,040.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

Wyoming’s average auto insurance premiums were recorded at 632 in 2008 by This was over 150 below that year’s national average. That same year, the state’s average insurance premiums as a percentage of income hit their lowest point since 1991. At 1.18 percent, they remained just below the nation’s 1.57 percent. Through 2013 both premiums and premiums as a percentage of income have remained below the national average.

Drunk Driving Fatalities

According to The National Highway Traffic Safety Administration, the national drunk driving fatalities percentage was 2 percent higher than Wyoming’s in 2011. However, the state saw a surge of fatalities and ended 2012 with an average of 32, 1 percent above the nation’s. Fatalities fell below the average in 2013 but once again rose above the average in 2014.

Teen Drinking and Driving

The Centers for Disease Control indicates that teen drinking and driving in Wyoming exceeds the national average.

Vehicular Theft in Wyoming

Wyoming enjoyed a vehicle theft rate nearly 128 points below the national average in 2012 and the rate has remained consistently low and below the national average through 2014.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Safe driversGeico
Young driversGeico
High-mileage driversSafeco
Drivers with points on recordSafeco


State Department of Insurance

Wyoming Department of Insurance
106 E. 6th Ave.
Cheyenne, WY 82002
(307) 777-7401
(800) 438-5768
Get Directions

Department of Transportation

Wyoming Department of Transportation
5300 Bishop Blvd.
Cheyenne, WY 82009
(307) 777-4375
Get Directions

Department of Motor Vehicles

Wyoming Department of Transportation
5300 Bishop Blvd.
Cheyenne, WY 82009
(307) 777-4375
For office locations, visit

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