State profile · WY · CMS + NAIC
Wyoming marketplace insurers denied 18.0% of claims (23rd of 30 states); drivers average $948/yr for auto cover, #40 nationally by cost.
The verdict
Marketplace insurers in Wyoming deny 18.0% of claims - below the 20% national average, the 23rd-highest of 30 states, and drivers pay an average $948 a year for auto cover, less than the $1191 national average (the 40th-most-expensive of 51 states).
2019: $777 average expenditure
$777 avg expenditure
2020: $769 average expenditure
$769 avg expenditure
2021: $790 average expenditure
$790 avg expenditure
2022: $848 average expenditure
$848 avg expenditure
2023: $948 average expenditure
$948 avg expenditure
What this shows Wyoming drivers' average auto cost rose 22% between 2019 and 2023.
Year over year, Wyoming's average auto expenditure rose 11.8% from 2022 to 2023, part of a 22% increase (+$171) since 2019. See the full 5-year state-by-state comparison.
Wyoming auto rates in detail →Wyoming: $948/yr average auto expenditure (this state)
$948 avg expenditure
Montana: $975/yr average auto expenditure
$975 avg expenditure
Kansas: $973/yr average auto expenditure
$973 avg expenditure
Ohio: $947/yr average auto expenditure
$947 avg expenditure
South Dakota: $936/yr average auto expenditure
$936 avg expenditure
1 insurers reporting marketplace claims in Wyoming
| # | Insurer | Claims | |
|---|---|---|---|
| 1 | Blue Cross Blue Shield of Wyoming B | 1,333,619 |
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Auto-cost position
Wyoming's 2023 average auto expenditure was $948, 40th of 51 jurisdictions by cost and 20.4% below the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
Marketplace claims filing
Wyoming's reporting insurers denied 18.0% of submitted marketplace claims, ranking 23rd among the 30 states with a comparable federal filing. This is a carrier-reported claims measure, not a consumer-complaint rate or a prediction of how an individual claim will be resolved.
State insurance rules
Wyoming uses an at-fault (tort) auto-insurance system: the driver responsible for an accident, or their insurer, is liable for the other party's damages -- unlike the 12 no-fault states. Wyoming's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, Wyoming's closest peers in PlainInsurer's dataset are Ohio ($947/yr) and South Dakota ($936/yr) -- both within a few dollars of Wyoming's own $948/yr.
Border comparison. Wyoming borders Colorado, Idaho, Montana, Nebraska, South Dakota, and Utah. Wyoming's auto costs run higher than 4 of them and lower than 2, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.