Teen Driver Insurance in Wyoming: Parent & Teen Guide
Wyoming requires 25/50/20 liability coverage and is an at-fault state.
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Wyoming 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
The state operates a three-stage graduated licensing program: learner's permit at 15, intermediate license at 16 (with passenger and nighttime restrictions), and full unrestricted license at 17 after holding the intermediate license for at least six months without violations. Wyoming statute 26-9-225 mandates that all insurers licensed in the state must offer a good student discount to drivers under 25 who maintain a B average or equivalent, making this one of the most accessible discount programs for teen drivers and their parents.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist
Collision Coverage
Comprehensive 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
What Affects Your Rate
- Parents must provide report cards or transcripts annually to maintain eligibility.
- Some carriers in Wyoming offer additional discounts if the teen completes a defensive driving course after obtaining the intermediate license.
- This is especially effective for teens whose parents can review driving behavior through the app and address risky habits early.
- Assigning the teen to the household's least expensive vehicle to insure can reduce the premium significantly.
- Graduated licensing stage: Teens on a learner's permit may be rated lower than those with an intermediate license who are driving unsupervised.
Cover Your New Driver for Less
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
Liability-Only for Older Vehicles
State minimum 25/50/20 or increased limits (100/300/100). Covers damage and injuries the teen causes to others. No coverage for the teen's own vehicle.
Full Coverage for Financed Vehicles
Liability plus collision and comprehensive, required by lenders. Covers the teen's vehicle for at-fault crashes, theft, weather, and animal strikes.
Uninsured/Underinsured Motorist
Covers your teen's medical bills and vehicle damage if hit by a driver with no insurance or insufficient coverage. Not required in Wyoming but recommended.
Good Student Discount
Wyoming law requires all insurers to offer a discount to drivers under 25 who maintain a B average or equivalent GPA. This is the single most accessible discount for teen drivers.
Telematics and Usage-Based Programs
Smartphone apps or plug-in devices that monitor driving behavior (braking, speed, nighttime driving). Safe drivers earn discounts of 10–30% after an initial monitoring period of 60–90 days.
Driver Education and Defensive Driving
Discounts for completing state-approved driver education (typically required for the intermediate license) or voluntary defensive driving courses after licensure.