Teen Driver Insurance in Wyoming: Parents' Guide
Wyoming requires 25/50/20 liability coverage and is an at-fault state.
Compare Teen Driver Insurance RatesWyoming at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
15
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Wyoming
Teen drivers progress through a graduated licensing system starting at age 15 with a learner's permit, advancing to an intermediate license at 16, and reaching full unrestricted licensure at 16 years and 6 months after holding the intermediate license for six months. Wyoming statute requires all auto insurers operating in the state to offer good student discounts to drivers under 25 who maintain a B average or better, making this one of the few state-mandated teen driver discounts in the country.
Liability Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Full Coverage
What Drivers Pay in Wyoming
$145–$348/mo
Typical monthly rate in Wyoming, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
Find the Right Policy for Your Teen
Compare Teen Driver Insurance RatesRules for new drivers
Night driving
11pm-5am
Passengers
no more than 1 passenger younger than 18
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Adding Teen to Parent Policy vs. Separate Policy
The primary decision for Wyoming parents. Adding a teen to an existing parent policy is almost always cheaper due to multi-car, multi-line, and loyalty discounts that don't apply to a new standalone teen policy.
Liability Limits Above State Minimum
Wyoming's 25/50/20 minimum leaves parents exposed. A teen driver causing a serious injury accident can generate medical bills exceeding $100,000, and the parent's assets are at risk if the teen is a household member.
Collision Coverage on Older Vehicles
For teen drivers using an older vehicle (8+ years, valued under $4,000), collision coverage may cost more in premiums over two years than the vehicle's actual cash value.
Uninsured Motorist Coverage
Protects the teen driver and family if hit by an uninsured or underinsured driver. Wyoming does not require this coverage, but 11–13% of state drivers lack insurance.
Telematics and Usage-Based Insurance
Programs like State Farm's Drive Safe & Save, Progressive's Snapshot, and GEICO's DriveEasy monitor driving behavior through a smartphone app or plug-in device and offer discounts for safe habits.
Good Student Discount Verification
Wyoming law requires all insurers to offer a good student discount to drivers under 25 who maintain a B average (3.0 GPA) or equivalent. Parents must submit proof each term or year to maintain eligibility.