Tennessee vs Wyoming Car Insurance

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

Quick Verdict

More Affordable

Wyoming is $210/yr cheaper on average.

Fewer Uninsured

Wyoming has a lower uninsured rate (5.8% vs 16.7%).

Rate & Coverage Comparison

Attribute	Tennessee	Wyoming
Avg Annual Premium	$1,640	$1,430
Min Liability	$540	$470
Full Coverage	$1,640	$1,430
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	16.7%	5.8%
Registered Vehicles	5,666,200	473,140
Accidents/Year	84,993	7,097
Population	6,910,000	577,000

Minimum Coverage Requirements

Tennessee

25/50 / 15 liability

Wyoming

25/50 / 20 liability

Premium Comparison

Tennessee$540 – $1,640

Liability: $540Avg: $1,640Full: $1,640

Wyoming$470 – $1,430

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

TennesseeFull 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, Tennessee or Wyoming?

Wyoming has cheaper car insurance, with an average annual premium of $1,430 compared to $1,640 in Tennessee - a difference of $210 per year.

How do Tennessee and Wyoming compare on fault systems?

Tennessee 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 Tennessee vs Wyoming?

Tennessee requires 25/50 / 15 liability. Wyoming requires 25/50 / 20 liability. Minimum liability costs $540/yr in Tennessee and $470/yr in Wyoming.

Which state has more uninsured drivers, Tennessee or Wyoming?

Tennessee has a higher uninsured driver rate at 16.7%, compared to 5.8% in Wyoming. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Tennessee 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

Tennessee

Wyoming

Avg Annual Premium

$1,640

$1,430

Min Liability

$540

$470

Full Coverage

$1,640

$1,430

Fault System

At-Fault (Tort)

Uninsured Rate

16.7%

5.8%

Registered Vehicles

5,666,200

473,140

Accidents/Year

84,993

7,097

Population

6,910,000

577,000