Iowa vs Wyoming Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Iowa is $80/yr cheaper on average.

Fewer Uninsured

Wyoming has a lower uninsured rate (5.8% vs 8.6%).

Rate & Coverage Comparison

Attribute	Iowa	Wyoming
Avg Annual Premium	$1,350	$1,430
Min Liability	$440	$470
Full Coverage	$1,350	$1,430
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	8.6%	5.8%
Registered Vehicles	2,615,800	473,140
Accidents/Year	39,237	7,097
Population	3,190,000	577,000

Minimum Coverage Requirements

Iowa

20/40 / 15 liability

Wyoming

25/50 / 20 liability

Premium Comparison

Iowa$440 – $1,350

Liability: $440Avg: $1,350Full: $1,350

Wyoming$470 – $1,430

Liability: $470Avg: $1,430Full: $1,430

IowaFull rates, age breakdown, requirements →WyomingFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Iowa or Wyoming?

Iowa has cheaper car insurance, with an average annual premium of $1,350 compared to $1,430 in Wyoming - a difference of $80 per year.

How do Iowa and Wyoming compare on fault systems?

Iowa uses a at-fault (tort) system while Wyoming uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Iowa vs Wyoming?

Iowa requires 20/40 / 15 liability. Wyoming requires 25/50 / 20 liability. Minimum liability costs $440/yr in Iowa and $470/yr in Wyoming.

Which state has more uninsured drivers, Iowa or Wyoming?

Iowa has a higher uninsured driver rate at 8.6%, compared to 5.8% in Wyoming. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Iowa vs Wyoming insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Iowa

Wyoming

Avg Annual Premium

$1,350

$1,430

Min Liability

$440

$470

Full Coverage

$1,350

$1,430

Fault System

At-Fault (Tort)

Uninsured Rate

8.6%

5.8%

Registered Vehicles

2,615,800

473,140

Accidents/Year

39,237

7,097

Population

3,190,000

577,000