Cheap Car Insurance Wyoming

The Cheapest Wyoming Car Insurance is $13/Mo ($155/Yr) for Liability Insurance from USAA and $73/Mo ($877/Yr) for Full Coverage from American National Insurance.

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Updated: Apr 11, 2024

Written by: Daniel Robinson

Written by: Daniel Robinson Writer

Daniel Robinson is a writer based in Greenville, N.C. with expertise in auto insurance, loans, warranty options and more. Away from the keyboard, Daniel spends time with his wife and son, plays guitar and obsesses over the Beatles and Baltimore Orioles.

Writer

Edited by: Rashawn Mitchner

Edited by: Rashawn Mitchner Managing Editor

RaShawn Mitchner is a MarketWatch Guides team senior editor covering personal finance topics and insurance. She’s spent over a decade writing and editing articles about how to save money on things including travel, entertainment and household services.

Senior Editor

We at the MarketWatch Guides Auto Team have reviewed the cheapest car insurance options in Wyoming. We took an in-depth look at the best car insurance companies and the cheapest car insurance companies in Wyoming, comparing rates, coverage and reviews. We’ll provide a list of recommended providers below as well as estimates for drivers from different profiles. You’ll also find key information about Wyoming insurance laws and regulations.

Cheapest Wyoming Auto Insurance

Based on our rate estimates, Wyoming car insurance rates are slightly above the national average. But that shouldn’t stop you from finding great car insurance in the Equality State at affordable rates. Here, we’ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers.

Cheapest Car Insurance Companies in Wyoming

The cheapest car insurance companies in Wyoming are USAA, American National Insurance, State Farm and Farmers. The overall and cost ratings for these providers are listed below.

Top Wisconsin Car Insurance Companies	Overall Rating	Cost Rating	Learn More
USAA Learn More	9.5	10.0	Learn More
American National	8.3	8.6
State Farm Learn More	9.2	9.0	Learn More
Farmers Learn More	8.7	7.9	Learn More

Top Wisconsin Car Insurance Companies	Overall Rating	Cost Rating	Learn More
USAA Learn More	9.5	10.0	Learn More
American National	8.3	8.6
State Farm Learn More	9.2	9.0	Learn More
Farmers Learn More	8.7	7.9	Learn More

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Wyoming.

Because car insurance companies have different calculation methods for premiums, no two quotes are the same. For this reason, we recommend comparing rates from multiple providers if you want to find the cheapest car insurance in Wyoming.

Cheapest Car Insurance Coverage in Wyoming

One of the major factors that impacts car insurance rates is the coverage level you choose. Most providers give minimum liability and full coverage car insurance quotes. While minimum liability is all that is required, it’s worth considering a full coverage auto insurance policy.

Below are the cheapest auto insurance options in Wyoming for both coverage types.

Cheapest Liability Car Insurance in Wyoming

At $13 per month or $155 per year, USAA provides the cheapest liability car insurance in Wyoming. Geico and American National Insurance also have affordable options. Below is the complete list of cheap liability coverage options in Wyoming.

Cheapest Liability Insurance in Wyoming	Estimated Monthly Cost	Estimated Annual Cost
USAA	$13	$155
Geico	$16	$188
American National Insurance	$21	$252
State Farm	$22	$261
Farmers	$32	$386
Allstate	$52	$629

Cheapest Full Coverage Car Insurance in Wyoming

According to our rate estimates, American National Insurance offers the cheapest full coverage car insurance in the Equality State at $73 per month or $877 per year. USAA and State Farm are also strong options for motorists. We highlight the complete list of cheapest full coverage options in for auto insurance in Wyoming below.

Cheapest Full Coverage Insurance in Wyoming	Estimated Monthly Cost	Estimated Annual Cost
American National Insurance	$73	$877
USAA	$77	$920
State Farm	$121	$1,448
Farmers	$122	$1,467
Geico	$182	$2,180
Allstate	$205	$2,457

Cheap Car Insurance in Wyoming

Age, driving history and a person’s credit scores can have a huge impact on the cost of car insurance in Wyoming. Below we compare cheap car insurance estimates for Wyoming motorists in these categories.

Cheapest Car Insurance for Young Drivers in Wyoming

Young drivers can pay significantly more for car insurance than older drivers. The tables below show the cheapest car insurance for young drivers in Wyoming, along with estimated monthly and annual costs.

Cheapest Wyoming Car Insurance for 16-Year-Olds

Young drivers pay a steep price for car insurance coverage in the Equality State. We found that Farmers tends to offer cheap auto insurance for 16-year-old drivers, costing around $2,836 per year or $236 per month.

Cheapest Car Insurance in Wyoming for 16-Year-Olds	Estimated Monthly Cost	Estimated Annual Cost
Farmers	$236	$2,836
USAA	$260	$3,123
State Farm	$311	$3,729
American National Insurance	$321	$3,852
Geico	$442	$5,309

Cheapest Wyoming Car Insurance for 17-Year-Olds

Our team found that American National Insurance offers cheap car insurance estimates for 17-year-old Wyoming drivers: $2,089 per year or $174 per month. The average rate estimate for 17-year-old drivers is $5,261 per year or $438 per month.

Cheapest Car Insurance in Wyoming for 17-Year-Olds	Estimated Monthly Cost	Estimated Annual Cost
American National Insurance	$174	$2,090
USAA	$231	$2,773
Farmers	$236	$2,836
State Farm	$282	$3,380
Geico	$442	$5,309

Cheapest Wyoming Car Insurance for 18-Year-Olds

Based on our research, 18-year-old Wyoming drivers can find affordable car insurance through American National Insurance, with average rates of $1,935 per year or $161 per month. The average rate estimate for an 18-year-old driver is $4,801 per year or $400 per month.

Cheapest Car Insurance in Wyoming for 18-Year-Olds	Estimated Monthly Cost	Estimated Annual Cost
American National Insurance	$161	$1,935
USAA	$209	$2,503
Farmers	$220	$2,645
State Farm	$269	$3,232
Geico	$427	$5,128

Cheapest Wyoming Car Insurance for 21-Year-Olds

Good drivers in their early 20s can expect to find lower average premiums than teen drivers. For 21-year-old Wyoming drivers, American National Insurance offers the cheapest car insurance coverage, averaging $1,233 per year or $103 per month. The average rate estimate for 21-year-old drivers in the state is $2,898 per year or $242 per month.

Cheapest Car Insurance in Wyoming for 21-Year-Olds	Estimated Monthly Cost	Estimated Annual Cost
American National Insurance	$103	$1,233
USAA	$111	$1,334
State Farm	$177	$2,118
Farmers	$197	$2,369
Geico	$266	$3,197

Cheapest Wyoming Car Insurance for 25-Year-Olds

On average, American National Insurance provides the cheapest car insurance rates for 25-year-olds at $896 per year or $75 per month. The average rate estimate for a 25-year-old Wyoming motorist is $2,030 per year or $169 per month.

Cheapest Car Insurance in Wyoming for 25-Year-Olds	Estimated Monthly Cost	Estimated Annual Cost
American National Insurance	$75	$896
USAA	$96	$1,146
Farmers	$128	$1,539
State Farm	$132	$1,582
Geico	$200	$2,403

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Cheapest Wyoming Car Insurance for High-Risk Drivers

Age is not the only factor that influences the price you pay for a car insurance policy. Your driving history and credit score also play a significant role in determining your rates. The sections below provide average car insurance costs for different driving situations.

Cheapest Wyoming Car Insurance for Drivers With a Speeding Ticket

Wyoming drivers with a speeding violation on their driving record usually pay a hefty price for car insurance. Motorists spend an average of $2,019 per year or $168 per month for auto insurance in Wyoming after a speeding violation.

Cheapest Car Insurance in Wyoming for Drivers With a Speeding Ticket	Estimated Monthly Cost	Estimated Annual Cost
USAA	$79	$945
American National	$101	$1,210
State Farm	$125	$1,500
Farmers	$135	$1,614
Allstate	$222	$2,661

Cheapest Wyoming Car Insurance for Drivers With a Recent Accident

Expect your annual premiums for auto insurance to skyrocket after an at-fault accident in the Equality State. Wyoming drivers generally pay an average rate of $2,142 per year or $179 per year for full coverage car insurance following a car accident.

Cheapest Car Insurance in Wyoming for Drivers With a Recent Accident	Estimated Monthly Cost	Estimated Annual Cost
USAA	$88	$1,050
American National	$118	$1,418
State Farm	$134	$1,612
Farmers	$150	$1,798
Geico	$210	$2,523

Cheapest Wyoming Car Insurance for Drivers With a DUI

Most car insurance providers will flag you as a high-risk driver after a violation for driving under the influence (DUI). Premiums rise to an average cost of $2,871 per year or $239 per month in Wyoming for drivers with a DUI on their record.

Cheapest Car Insurance in Wyoming for Drivers With a DUI	Estimated Monthly Cost	Estimated Annual Cost
State Farm	$125	$1,500
USAA	$126	$1,514
American National	$135	$1,615
Allstate	$239	$2,865
Farmers	$257	$3,089

Cheapest Wyoming Car Insurance for Drivers With Poor Credit

Having a poor credit score increases the average rate for car insurance in Wyoming to $2,669 per year or $222 per month, according to our rate estimates.

Cheapest Car Insurance in Wyoming for Drivers With Poor Credit	Estimated Monthly Cost	Estimated Annual Cost
American National	$97	$1,162
Farmers	$152	$1,828
Geico	$190	$2,284
State Farm	$193	$2,312
USAA	$202	$2,421

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Best Cheap Car Insurance in Wyoming

For those who would like to know about the cheapest auto insurance in the Equality State, the sections below contain more detailed information.

#1 USAA: Low Rates for Military

9.2/10

Overview

Military members, veterans and their families can typically find cheap car insurance in Wyoming through USAA. The insurer has one of the industry’s strongest customer service reputations, with an A+ rating from the BBB and high scores on J.D. Power satisfaction studies.

Keep reading: USAA insurance review

Industry Standing

J.D. Power regional rating: 883/1,000
AM Best financial strength: A++
Better Business Bureau (BBB) rating: A+

#2 American National: Affordable Rates for Young Drivers

8.3/10

Overview

American National can be a good option for young drivers and those with poor credit in the Equality State. The insurer provides standard auto insurance along with extras such as roadside assistance and guaranteed asset protection, also known as gap insurance. American National also claims to cover up to $2,000 of customized vehicle equipment through its comprehensive and collision coverage.

Industry Standing

J.D. Power regional rating: Not rated
AM Best financial strength: A
BBB rating: Not rated

#3 State Farm: Editor’s Choice

9.4/10

Overview

Wyoming drivers choose State Farm for its affordable car insurance rates and extensive coverage options. The nation’s largest car insurance company offers standard coverage options as well as emergency roadside assistance, rideshare driver coverage and rental car reimbursement. Motorists can take advantage of State Farm’s many car insurance discounts and the Drive Safe & Save™ usage-based program to save on their auto insurance premiums.

Keep reading: State Farm insurance review

Industry Standing

J.D. Power regional rating: 839/1,000
AM Best financial strength: A++
BBB rating: A+

#4 Farmers: Strong Coverage Options

8.4/10

Overview

Farmers is one of the cheapest coverage options for car insurance in Wyoming, especially for good drivers and teen drivers. The company stands out due to its range of add-on coverage options, including rental car reimbursement, rideshare coverage, customized equipment coverage, accident forgiveness and more.

Keep reading: Farmers insurance reviews

Industry Standing

J.D. Power regional rating: 802/1,000
AM Best financial strength: A
BBB rating: A

Average Cost of Car Insurance in Wyoming

Our rate estimates show that Wyoming drivers pay an average of $1,767 per year or $147 per month for a full coverage policy. That’s about 2% more expensive than the national average of $1,730 per year. Wyoming is the United States’ eighth-cheapest state for car insurance, according to data from the National Association of Insurance Commissioners (NAIC).

The state average for minimum car insurance coverage for a 35-year-old driver in Wyoming with a good credit history and clean driving record is $307 per year, or $26 per month, making it 52% cheaper than the national average of $635.

Wyoming Car Insurance Cost by Age

As in most states, teen drivers in Wyoming pay significantly more for car insurance coverage than other age groups. We found that the average cost of car insurance for a 16-year-old driver is $6,385 per year or $532 per month, while car insurance for 30-year-old drivers averages $1,848 per year or $154 per month.

Age	Estimated Monthly Cost	Estimated Annual Cost
16	$532	$6,385
17	$438	$5,261
18	$400	$4,801
19	$300	$3,605
21	$242	$2,898
25	$169	$2,030
30	$154	$1,848
40	$151	$1,814
50	$141	$1,691
55	$137	$1,649
65	$141	$1,696
75	$165	$1,986

Wyoming Car Insurance Cost by City

Wyoming residents can expect to find affordable car insurance premiums throughout the entire state. Rates tend to be slightly higher on average in more densely-populated cities like Cheyenne and Gillette.

City in Wyoming	Estimated Monthly Cost	Estimated Annual Cost
Sheridan	$155	$1,855
Rawlins	$156	$1,876
Evanston	$157	$1,879
Cody	$158	$1,894
Powell	$158	$1,894
Riverton	$158	$1,900
Douglas	$159	$1,904
Laramie	$160	$1,914
Lander	$160	$1,920
Buffalo	$161	$1,929
Worland	$161	$1,935
Cheyenne	$161	$1,937
Mills	$162	$1,947
Torrington	$162	$1,949
Wheatland	$162	$1,949
Green River	$163	$1,962
Casper	$164	$1,964
Rock Springs	$164	$1,970
Newcastle	$169	$2,025
Gillette	$169	$2,033
Jackson	$170	$2,041

*Average rates above apply to the top three companies in each city.

Factors that Affect Wyoming Car Insurance Rates

When you shop for car insurance quotes, premiums will largely vary based on the provider.

Other factors that can influence your car insurance rates include:

Age
Gender
Marital status
Location
Credit score
Driving history

One way to lower your premiums for car insurance in Wyoming is by bundling your plan with renters or homeowners insurance. It’s also smart to compare auto insurance quotes from multiple providers in order to find an affordable rate.

Wyoming Car Insurance Requirements

Each state sets minimum car insurance requirements to prove financial responsibility in the event of an accident. In Wyoming, drivers must carry a liability insurance policy with the following minimum coverage standards:

Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $20,000 per accident

Liability coverage protects other drivers and their passengers in accidents that you cause. If you want more than the state minimum liability requirements, consider purchasing a policy that includes liability coverage, collision insurance and comprehensive coverage for greater protection. Many motorists opt for uninsured motorist coverage and medical payments (MedPay) insurance as well.

Note that personal injury protection is not available as a form of car insurance in Wyoming.

How To Get Car Insurance in Wyoming

Drivers in Wyoming should consider a car insurance policy from USAA, American National, State Farm or Farmers. Comparing quotes from multiple companies allows you to find the best coverage and cost.

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Cheap Auto Insurance in Wyoming: The Bottom Line

In this article, we reviewed the cheapest auto insurance companies, coverage and rates in Wyoming. We also looked at the average cost of car insurance and coverage requirements in the Equality State.

Cheapest Car Insurance in Wyoming: FAQ

Below are frequently asked questions about the cheapest car insurance in Wyoming.

Our rate estimates show that Wyoming drivers pay an average of $1,767 per year for full coverage car insurance. This is about 2% more expensive than the national average of $1,730 per year.

Based on our research, USAA consistently has some of the cheapest car insurance rates for 35-year-old drivers with a good credit history and a clean driving record. Geico, American National and State Farm also generally offer affordable rates.

No, our research shows that Wyoming drivers pay about 2% more than the national average for car insurance. The average motorist with a clean driving record and good credit history pays around $147 per month for full coverage car insurance.

Our research shows that the average driver pays $147 per month for full coverage car insurance in Wyoming, for a total of $1,767 per year.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials: