Maryland vs Wyoming Car Insurance

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

Quick Verdict

More Affordable

Wyoming is $440/yr cheaper on average.

Fewer Uninsured

Wyoming has a lower uninsured rate (5.8% vs 12.2%).

Rate & Coverage Comparison

Attribute	Maryland	Wyoming
Avg Annual Premium	$1,870	$1,430
Min Liability	$610	$470
Full Coverage	$1,870	$1,430
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	12.2%	5.8%
Registered Vehicles	5,065,140	473,140
Accidents/Year	75,977	7,097
Population	6,177,000	577,000

Minimum Coverage Requirements

Maryland

30/60 / 15 liability

Wyoming

25/50 / 20 liability

Premium Comparison

Maryland$610 – $1,870

Liability: $610Avg: $1,870Full: $1,870

Wyoming$470 – $1,430

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

MarylandFull 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, Maryland or Wyoming?

Wyoming has cheaper car insurance, with an average annual premium of $1,430 compared to $1,870 in Maryland - a difference of $440 per year.

How do Maryland and Wyoming compare on fault systems?

Maryland 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 Maryland vs Wyoming?

Maryland requires 30/60 / 15 liability. Wyoming requires 25/50 / 20 liability. Minimum liability costs $610/yr in Maryland and $470/yr in Wyoming.

Which state has more uninsured drivers, Maryland or Wyoming?

Maryland has a higher uninsured driver rate at 12.2%, compared to 5.8% in Wyoming. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Maryland 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

Maryland

Wyoming

Avg Annual Premium

$1,870

$1,430

Min Liability

$610

$470

Full Coverage

$1,870

$1,430

Fault System

At-Fault (Tort)

Uninsured Rate

12.2%

5.8%

Registered Vehicles

5,065,140

473,140

Accidents/Year

75,977

7,097

Population

6,177,000

577,000