Wyoming auto insurance averages - $948.24 per year in 2023, ranked #40 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Wyoming's 2019-2023 expenditure path rose on this NAIC series; averages reflect purchased coverage mix, not a binder price.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $948.24 ▲11.8% | $390 |
| 2022 | $847.99 ▲7.4% | $358 |
| 2021 | $789.58 ▲2.6% | $347 |
| 2020 | $769.22 ▼1.0% | $343 |
| 2019 | $776.95 | $356 |
Evidence lead: Coverage-component signature
Wyoming's strongest visible signal here is its 2019-2023 expenditure path. The cards below separate that change from level, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Coverage-component signature
Wyoming's most distinctive 2023 component is comprehensive: $452.42, or 81.7% above the 51-jurisdiction average of $249.02. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
2023 cost position
At $948.24, Wyoming ranks #40 of 51 by 2023 average expenditure. That puts the state in the lower-cost portion of this particular NAIC measure. The ordering is comparative only; it does not control for driver history, limits, deductibles, vehicle choice, or the share of residents purchasing optional coverages.
Year-by-year shape
Wyoming's only decline is a shallow -1.0% in 2020 — small enough that the five-year climb barely registers it. The largest annual movement is instead the 2023 reading at +11.8%, and the latest step is +11.8%. This is a rising series with one flat spot, not a genuine reversal.
Five-year movement
The 2019-to-2023 comparison for Wyoming is +22.0%, the #17 change among 51 jurisdictions. The state therefore moved faster than most of the table, although the endpoint comparison can conceal pauses or reversals between those years. The year-by-year shape below provides that missing context.
Narrow registry context
Wyoming's complaint lookup is comparatively narrow: 30 represented companies and 3,105 records, ranking #50 and #50 among 51 jurisdictions. The smaller footprint makes the displayed denominators essential context. It must not be converted into a complaint-rate judgment or used as a causal story for the separate auto-cost series.
Nearest expenditure peers. By average expenditure, Wyoming's closest peers in this dataset are Ohio ($947.24) and South Dakota ($936.15), both within a few dollars of Wyoming's own $948.24.
Note on state comparisons: These averages reflect the mix of coverages purchased in Wyoming, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
