Wyoming Cheapest Car Insurance & Best Car Insurance Options
Farmers has the Wyoming cheapest car insurance and best car insurance options for Wyoming drivers. Minimum coverage in Wyoming is only an average of $23 per month at Farmers, while Wyoming drivers who want full coverage policies at Farmers will pay an average of $98 per month for coverage.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Jan 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
UPDATED: Jan 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
- Farmers has the cheapest Wyoming auto insurance
- Minimum coverage at Farmers averages $23 per month
- Other cheap companies include Geico, USAA, and State Farm
Farmers is the best place to find the Wyoming cheapest car insurance and best coverage options. Some of the other best auto insurance companies in Wyoming include USAA, Geico, and State Farm.
Read on to learn how to find cheap auto insurance in Wyoming, or use our free quote comparison tool to jump right into comparing Wyoming car insurance quotes.
Wyoming Cheapest Car Insurance Rates
Carrying insurance in Wyoming is mandated by law. However, who provides your insurance and anything above the state-required minimums are a matter of choice. Comparison shopping is the best way to ensure you are able to find cheap car insurance. Comparing different rates will help you make better insurance decisions with confidence.
Cheapest Car Insurance in Wyoming - Quick Hits |
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The cheapest Wyoming car insurance options are: For minimum coverage: Farmers For full coverage: Farmers After an at-fault accident: Allstate After a speeding ticket: Farmers After a DUI: Allstate For poor credit history: Geico For young drivers: Allstate For young drivers with one accident: State Farm For young drivers with speeding violation: Farmers |
Keep reading to learn how to save money with Wyoming insurance companies and how to find the best coverage for the most affordable cost.
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Who has the cheapest car insurance in Wyoming?
All things considered equal, Wyoming’s most affordable insurance company is Farmers. Farmers consistently save drivers with the lowest rate for minimum coverage insurance, which is 37% less expensive than Wyoming’s state average insurance premiums.
Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
Enter your zip code above to compare affordable rates from the best auto insurers to help you save money.
Company | Average annual rate |
---|---|
Farmers | $281 |
Geico | $309 |
USAA | $311 |
State Farm | $375 |
The Hartford | $461 |
Allstate | $548 |
Grange | $640 |
*Your results may vary when you get a quote.
We found the most expensive insurance providers for minimum coverage during our rate analysis are Allstate and Grange, with an average annual quote of $548 and $640.
The cheapest car insurance in Wyoming is based on several factors. First, you must determine if you want full coverage or the state minimum coverage. Then, you must factor in your vehicle information, age, and driving history (learn more: What factors impact the cost of car insurance?).
Minimum coverage is a liability-only policy with bodily injury and property damage liability insurance (read more: Understanding Liability Auto Insurance).
Cheapest Car Insurance for Full Coverage in Wyoming
Farmers offer the best insurance rates of $1,180 a year or only $98 a month for full coverage, 25% cheaper than Wyoming’s state average rate. This makes it the cheapest company for full coverage.
The second best is Geico, which offers full coverage insurance rates at $1,366 a year or 14% cheaper than average.
Company | Annual Cost | Monthly Cost |
---|---|---|
Farmers | $1,180 | $98 |
Geico | $1,366 | $113 |
State Farm | $1,531 | $127 |
Allstate | $1,743 | $145 |
Wyoming average | $1,571 | $130 |
*Your rates may vary when you get a quote depending on your driver profile.
The state average premium for full coverage auto insurance is $1,571 a year. This premium works out to $130 per month.
Full coverage policies include comprehensive and collision, which reimburse property damage to your vehicle from car accidents, vandalism, or thefts.
Learn more:
Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
AutoInsureSavings.org licensed agents recommend drivers in Wyoming with newer model vehicles to buy a full coverage policy.
Cheapest Car Insurance for Drivers With an Accident
Allstate offers the cheapest annual premium for anyone with a car accident on their driving record in Wyoming. With a savings of 25%, your insurance premium with Allstate would be $1,902 a year or $158 per month.
Farmers offered us a quote at $1,986 per year for our sample driver with an accident, 22% cheaper than the average annual rate of $2,530.
Company | Annual Cost | Monthly Cost |
---|---|---|
Allstate | $1,902 | $158 |
Farmers | $1,986 | $165 |
State Farm | $1,997 | $166 |
Liberty Mutual | $2,358 | $196 |
Wyoming average | $2,530 | $210 |
The least expensive auto insurance coverage exists for people with clean driving records. Most people have had at least one car accident. Therefore, if you have had an auto accident, know that you are not alone.
Wyoming insurance carriers will cover people with an accident. The average rate in Wyoming for a person with a car accident on their driving record would be $2,530 per year, over $950 more than the average premium for full coverage (learn more: Will car insurance rates increase after an accident?).
Cheapest Car Insurance for Drivers With a Speeding Ticket
Farmers Insurance gives drivers with speeding tickets the best insurance coverage in Wyoming. The premium under Farmers is $1,265 a year, 42% less expensive than the average premium. The second cheapest is State Farm, which offered us a quote at $1,601 or 27% cheaper than average.
The average insurance premium for a Wyoming driver with a speeding violation is $2,178, over $500 more than insurance for a clean record driver. See below how a traffic ticket can impact your car insurance rates.
Company | Annual Cost | Monthly Cost |
---|---|---|
Farmers | $1,265 | $105 |
State Farm | $1,601 | $133 |
Geico | $1,690 | $140 |
Wyoming average | $2,178 | $181 |
A speeding violation stays on Wyoming driving records for 12 months. During those 12 months, the cost of insurance will go up. However, once the speeding violation falls off your insurance, your rates can go down again.
Cheapest Car Insurance for Drivers with a DUI
Allstate gives drivers with their first DUI a break. With a DUI and Allstate insurance coverage, a driver will pay only $2,177 a year, or 33% cheaper than the average DUI premium in Wyoming. Allstate’s premium is over $1,000 in savings from the average premium for a DUI.
Company | Annual Cost | Monthly Cost |
---|---|---|
Allstate | $2,177 | $181 |
Farmers | $2,653 | $221 |
State Farm | $2,980 | $248 |
Wyoming average | $3,211 | $267 |
Nothing about a DUI is inexpensive; your first offense comes with fines and other legal problems. A DUI in Wyoming can raise your insurance premiums by over $1,000 a year. It can bring your average Wyoming car insurance rate to $3,211.
Read more: The Best Car Insurance Companies After a DUI
Cheapest Car Insurance for Drivers With Poor Credit
Geico offers the least expensive insurance premiums for Wyoming drivers with poor credit. Geico provides a savings of over $577 a year or 27% less expensive, with an insurance premium of $1,599 a year.
State Farm is the second cheapest insurance option with $521 in savings or 24% cheaper. The annual premium under State Farm is $1,655 or $137 monthly rate.
Insurer | Annual Cost | Monthly Cost |
---|---|---|
Geico | $1,599 | $133 |
State Farm | $1,655 | $137 |
Allstate | $2,075 | $172 |
Liberty Mutual | $2,366 | $197 |
Wyoming average | $2,140 | $178 |
Who has the cheapest car insurance for young drivers?
Young drivers shopping for insurance can find cheap rates in Wyoming with Allstate, who provided our agents with a $3,572 annual quote or $297 per month.
Insurer | Annual Cost | Monthly Cost |
---|---|---|
Allstate | $3,572 | $297 |
Farmers | $3,975 | $331 |
Geico | $4,390 | $365 |
State Farm | $4,492 | $374 |
Wyoming average | $6,930 | $577 |
Farmers is the next best option with a $331 monthly rate or 43% less expensive than Wyoming’s young driver rate.
A teen driver who recently received their driver’s license or has been driving for less than ten years is a higher-risk driver, as they tend to get more traffic tickets and have more accidents. The cheapest insurance option for teen drivers is to join their parent's existing auto insurance policy.Daniel Walker Licensed Insurance Agent
The cost to insure a Wyoming driver under 25 is significantly higher than insuring a driver over 30, making it important to shop around for the best car insurance for teens.
Advertiser Disclosure: Some of the offers within the content are from companies where AutoInsureSavings.org may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith. |
Cheapest for Young Drivers with a Speeding Ticket
Young or teen drivers should compare quotes with Farmers if they have a speeding violation in their driving history. Farmer’s provided our agents a quote at $4,077 per year or $339 per month.
Wondering how much will my auto insurance go up with a speeding ticket? The average rate increase for teen drivers violating the speed limit in Wyoming is 18%.
Insurer | Annual Cost | Monthly Cost |
---|---|---|
Farmers | $4,077 | $339 |
Geico | $4,300 | $358 |
Allstate | $4,763 | $396 |
Wyoming average | $7,299 | $608 |
Cheapest for Young Drivers in Wyoming with One Accident
According to our licensed agent’s rate analysis, younger drivers with an at-fault accident can find the cheapest insurance quotes with State Farm, with an average cost of $4,769 annually or $397 per month.
State Farm’s insurance rate is 36% less expensive than Wyoming’s $7,433 average rate for young drivers with an at-fault accident.
Insurer | Annual Cost | Monthly Cost |
---|---|---|
State Farm | $4,769 | $397 |
Geico | $5,073 | $422 |
Allstate | $5,331 | $444 |
Wyoming average | $7,433 | $619 |
Best Auto Insurance Companies in Wyoming
If we use the NAIC complaint index, J.D. Powers claims satisfaction study, and the average price for state minimum and full coverage, Farmers Insurance is the best auto insurer in Wyoming.
For Wyoming drivers, sometimes getting the most affordable auto insurer isn’t the best for quality customer service. Depending on your assets and situation, you may need to compare insurance companies with higher than average customer service and satisfaction standards.
According to ValuePenguin, State Farm received the highest customer satisfaction ratings for Wyoming’s car insurance. It is typically a lower-cost insurer for most categories by 20% in Wyoming. However, it also received the highest satisfaction ratings from its customers for both claims service and 2nd overall customer service behind Allstate.
Best Auto Insurance Company | % customers extremely satisfied with recent claim | % customers who rated customer service as excellent |
---|---|---|
State Farm | 73% | 46% |
Allstate | 72% | 47% |
Farmers Insurance | 71% | 38% |
Geico | 64% | 42% |
If we take the National Association of Insurance Commissioners (NAIC) complaint index and J.D. Power claims satisfaction score, the results are slightly different. Farmers Insurance has the lowest complaint ratio from customers, as illustrated below.
Insurer | NAIC Complaint Index | J.D. Power claims satisfaction score | AM Best Financial Strength |
---|---|---|---|
Farmers Insurance | 0.45 | 872 | A |
Allstate | 0.63 | 876 | A+ |
State Farm | 0.66 | 881 | A++ |
Geico | 1.01 | 871 | A++ |
Allstate, State Farm, and Farmers Insurance, the best-rated insurers with excellent financial strength, have a complaint ratio below one or better than average, which means all three insurance companies have fewer complaints relative to their size.
Geico’s customer complaint index is higher than average at 1.01 but has excellent financial strength, and J.D. Power claims satisfaction score.
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Average Wyoming Car Insurance Costs by City
The average full coverage insurance policy in Wyoming is $1,571 annually or $130 per month. Out of the most populous cities in Wyoming, residents of Cheyenne and Casper get the cheapest rates.
The smaller Wyoming towns of Kirby and Shoshoni have less than average rates at $1,453 per year.
Cheapest Car Insurance in Cheyenne, WY
Drivers in Cheyenne can find the most affordable coverage with Farmers with a $1,276 annual rate for our 30-year-old sample driver. A $1,276 quote from Farmers is 23% cheaper than Cheyenne’s average rate, as illustrated below.
Cheyenne Company | Average Premium |
---|---|
Farmers | $1,276 |
State Farm | $1,380 |
Allstate | $1,532 |
Cheyenne average | $1,648 |
Cheapest Car Insurance in Casper, WY
Casper residents can find cheaper car insurance coverage with Allstate, who provided our licensed agents a quote at $1,365 per year or a $113 monthly rate. Allstate is 19% less expensive than the average citywide rate in Casper.
Casper Company | Average Premium |
---|---|
Allstate | $1,365 |
Farmers | $1,419 |
Geico | $1,598 |
Casper average | $1,678 |
Cheapest Coverage for Drivers in Gillette, WY
Gillette drivers can find cheap coverage options with Farmers, who offered us a quote at $1,143 annually or a $95 monthly rate for full coverage. Farmer’s insurance quote is 30% cheaper than Gillette’s average rate of $1,612 per year.
Gillette Company | Average Premium |
---|---|
Farmers | $1,143 |
Allstate | $1,322 |
Geico | $1,488 |
Gillette average | $1,612 |
Cheapest Car Insurance in Laramie, WY
Drivers with clean driving history in Laramie can find the cheapest auto insurance quotes with Farmers with quotes at $1,010 per year and 32% less expensive than the average Laramie rate, as illustrated.
Laramie Company | Average Premium |
---|---|
Farmers | $1,010 |
State Farm | $1,133 |
Geico | $1,281 |
Laramie average | $1,482 |
Cheapest Auto Insurance in Sheridan, WY
AutoInsureSavings.org licensed agents found that Sheridan’s cheapest rate is with Geico, who provided us a quote at $1,367 per year for full coverage or 30% lower than the average rate.
Sheridan Company | Average Premium |
---|---|
Geico | $1,367 |
Allstate | $1,460 |
Farmers | $1,531 |
Sheridan average | $1,946 |
Cheapest Auto Insurance in Jackson, WY
Residents of Jackson, WY can find cheap auto insurance with Allstate with a quote at $1,002 per year or an $84 monthly rate for a full coverage policy, which is 43% less expensive than the average $1,728 quote.
Jackson Company | Average Premium |
---|---|
Allstate | $1,002 |
Geico | $1,247 |
Farmers | $1,427 |
Jackson average | $1,728 |
Car Insurance Costs Less Populous Cities
The cost to insure a motor vehicle in Wyoming is determined by your zip code. There is a $600 price difference from one zip code (82903, $2,011) to the next (82403, $1,403) in Wyoming.
The most expensive towns to buy auto policies in Wyoming are Bear River and Lander.
City | Average annual rate | City | Average annual rate |
---|---|---|---|
Afton | $1,747 | La Grange | $1,548 |
Albin | $1,496 | Lander | $1,954 |
Alpine | $1,911 | Laramie | $1,482 |
Baggs | $1,730 | Lingle | $1,540 |
Bairoil | $1,428 | Lost Springs | $1,509 |
Bar Nunn | $1,538 | Lovell | $1,722 |
Basin | $1,659 | Lusk | $1,699 |
Bear River | $2,011 | Lyman | $1,454 |
Big Piney | $1,840 | Manderson | $1,843 |
Buffalo | $1,538 | Manville | $1,685 |
Burlington | $1,867 | Marbleton | $1,910 |
Burns | $1,717 | Medicine Bow | $1,538 |
Byron | $1,832 | Meeteetse | $1,687 |
Casper | $1,678 | Midwest | $1,790 |
Cheyenne | $1,648 | Mills | $1,692 |
Chugwater | $1,734 | Moorcroft | $1,887 |
Clearmont | $1,641 | Mountain View | $1,881 |
Cody | $1,700 | Newcastle | $1,911 |
Cokeville | $1,457 | Opal | $1,467 |
Cowley | $1,854 | Pavillion | $1,776 |
Dayton | $1,543 | Pine Bluffs | $1,648 |
Deaver | $1,722 | Pinedale | $1,631 |
Diamondville | $1,403 | Pine Haven | $1,547 |
Dixon | $1,765 | Powell | $1,822 |
Douglas | $1,811 | Ranchester | $1,681 |
Dubois | $1,856 | Rawlins | $1,659 |
East Thermopolis | $1,902 | Riverside | $1,554 |
Edgerton | $1,521 | Riverton | $1,821 |
Elk Mountain | $1,874 | Rock River | $1,611 |
Encampment | $1,498 | Rock Springs | $1,559 |
Evanston | $1,537 | Rolling Hills | $1,687 |
Evansville | $1,567 | Saratoga | $1,603 |
Fort Laramie | $1,632 | Sheridan | $1,946 |
Frannie | $1,667 | Shoshoni | $1,453 |
Gillette | $1,612 | Sinclair | $1,544 |
Glendo | $1,687 | Star Valley Ranch | $1,590 |
Glenrock | $1,565 | Sundance | $1,576 |
Granger | $1,700 | Superior | $1,598 |
Green River | $1,672 | Ten Sleep | $1,487 |
Greybull | $1,587 | Thayne | $1,700 |
Guernsey | $1,500 | Thermopolis | $1,676 |
Hanna | $1,716 | Torrington | $1,711 |
Hartville | $1,411 | Upton | $1,699 |
Hudson | $1,676 | Van Tassell | $1,499 |
Hulett | $1,718 | Wamsutter | $1,479 |
Jackson | $1,728 | Wheatland | $1,719 |
Kaycee | $1,658 | Worland | $1,532 |
Kemmerer | $1,799 | Wilson | $1,624 |
Kirby | $1,453 | Wright | $1,538 |
La Barge | $1,543 | Yoder | $1,754 |
Minimum Car Insurance Requirements in Wyoming
Wyoming drivers must carry a minimum amount of car insurance. State law mandates drivers have at least $25,000 per person and up to $50,000 per accident of bodily injury liability coverage. They also require at least $20,000 of property damage liability coverage.
However, these coverages (bodily injury and property damage) do not cover injury or damage to you or your vehicle. It only helps the other driver and any passengers in your car.
Liability Coverage | Insurance Requirements |
---|---|
Bodily Injury Liability (BI) | $25,000 per person / $50,000 per accident |
Property Damage Liability (PD) | $20,000 per accident |
AutoInsureSavings.org licensed agents recommend buying coverage with higher liability limits in Wyoming if you have assets, such as a house, multiple vehicles, or a business.
Wyoming drivers who drive more often (over 12,000 miles per year) should consider higher liability coverage limits.
To learn more about finding the best car insurance options in Wyoming, contact the experts at AutoInsureSavings.org. Our licensed professionals will be happy to answer any questions you have.
Methodology
AutoInsureSavings.org comparison shopping study of rates included Zip Codes in Wyoming from the largest insurance companies.
AutoInsureSavings Coverage Methodology
AutoInsureSavings.org used insurance data provided by Quadrant Information Services. Rates were publicly sourced from insurer filings and are intended for comparative purposes as your premiums could differ. Our sample driver a 30-year-old male drives 12,000 miles each year in a 2018 Honda Accord. |
Coverage type | Study limits |
---|---|
Bodily liability insurance | $50,000 per person/$100,000 per accident |
Property damage | $25,000 per accident |
Personal injury protection | $10,000 |
Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
Comprehensive and collision | $500 deductible |
We changed the base auto policy to reflect the alternate driver for other comparison rate analyses such as age, credit score, marital status, and accident history.
Sources
— III.org. “Facts + Statistics”
— III.org. What Determines The Cost Of My Auto Insurance?
— NAIC. “2019 Market Share Report.”
— National Highway Traffic Safety Association. “2019 Fatality Crash Analysis.”
— NOLO. “Wyoming Auto Insurance Requirements.”
Frequently Asked Questions
Who are the cheapest car insurance companies in Wyoming?
For any driver with average to excellent credit, Farmers offers the cheapest options in Wyoming for state minimums and a full coverage auto policy. In most categories, Farmers offers savings of 37% off the average rate for car insurance in Wyoming.
If a driver has poor credit, Geico offers the cheapest auto insurance. Geico offers insurance at $600 less than the average rate for Wyoming drivers with poor credit.
If you had a recent auto accident, your best option is with Allstate, which offers coverage 25% cheaper than average.
How do I save on car insurance in Wyoming?
One of the best ways to lower your car insurance bill in Wyoming is to take advantage of insurance companies’ driver discounts. Insurance companies use specific algorithms to calculate insurance rates. Depending on the insurance company, they will use your driving record, age, education level, credit, and how many miles you drive daily.
You likely cannot change these pieces of information when you purchase insurance. However, most companies will offer discounts for things you can change. For instance, a new driver can take a defensive driving course and maintain good grades in school to receive driver discounts. Drivers can also take advantage of bundling options, safe driver discounts, and anti-theft options to save money on car insurance premiums.
How much is car insurance per month in Wyoming?
Wyoming is one of the cheaper places to obtain insurance. Wyoming offers wide-open roads with a minimal population.
The average monthly premium for car insurance in Wyoming is $38 for minimum coverage for a driver who is over 30 years old with a good driving record and good credit. This rate will change depending on your driving history, age, and credit score.
How much will my car insurance increase with a speeding ticket in Wyoming?
Car insurance with a clean driving record averages $1,571 a year – or $130 a month. If you receive a speeding ticket, the average cost of insurance is $2,178 – or $181 a month. This rate is an increase of over $607 a year or $50 a month.
How much is full coverage car insurance in Wyoming?
A driver over 30-years-old with a clean driving record and good credit will pay, on average, $1,571 a year for auto insurance.
Full coverage car insurance in Wyoming is based on several factors: age, driving records, vehicle information, credit score, and driving distance.
What is the best car insurance in Wyoming?
The best auto insurance in Wyoming is full coverage auto insurance, as it protects drivers from huge bills after an accident.
What is the minimum car insurance in Wyoming?
Wyoming drivers must carry liability insurance and uninsured motorist insurance.
Is it illegal to not have car insurance in Wyoming?
Yes, all drivers need to carry the minimum coverage required in Wyoming.
Is Wyoming a no-fault state?
Wyoming is an at-fault auto insurance state, so make sure to carry the best Wyoming auto insurance possible.
Is Wyoming a PIP state?
No, Wyoming does not require drivers to have PIP coverage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Jan 16, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.