Massachusetts vs Wyoming Car Insurance

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

Quick Verdict

More Affordable

Wyoming is $40/yr cheaper on average.

Fewer Uninsured

Wyoming has a lower uninsured rate (5.8% vs 6.2%).

Rate & Coverage Comparison

Attribute	Massachusetts	Wyoming
Avg Annual Premium	$1,470	$1,430
Min Liability	$480	$470
Full Coverage	$1,470	$1,430
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	6.2%	5.8%
Registered Vehicles	5,764,600	473,140
Accidents/Year	86,469	7,097
Population	7,030,000	577,000

Minimum Coverage Requirements

Massachusetts

20/40 / 5 liability

Wyoming

25/50 / 20 liability

Premium Comparison

Massachusetts$480 – $1,470

Liability: $480Avg: $1,470Full: $1,470

Wyoming$470 – $1,430

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

MassachusettsFull 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, Massachusetts or Wyoming?

Wyoming has cheaper car insurance, with an average annual premium of $1,430 compared to $1,470 in Massachusetts - a difference of $40 per year.

How do Massachusetts and Wyoming compare on fault systems?

Massachusetts uses a no-fault system while Wyoming uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in Massachusetts vs Wyoming?

Massachusetts requires 20/40 / 5 liability. Wyoming requires 25/50 / 20 liability. Minimum liability costs $480/yr in Massachusetts and $470/yr in Wyoming.

Which state has more uninsured drivers, Massachusetts or Wyoming?

Massachusetts has a higher uninsured driver rate at 6.2%, compared to 5.8% in Wyoming. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Massachusetts 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

Massachusetts

Wyoming

Avg Annual Premium

$1,470

$1,430

Min Liability

$480

$470

Full Coverage

$1,470

$1,430

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

6.2%

5.8%

Registered Vehicles

5,764,600

473,140

Accidents/Year

86,469

7,097

Population

7,030,000

577,000