Who Has the Cheapest Car Insurance Quotes in Wyoming?

Find Cheap Auto Insurance Quotes in Wyoming

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The average cost of minimum-coverage car insurance in Wyoming is $485 per year, or $40 per month. For a full coverage auto insurance policy in Wyoming, the average cost is $2,118 per year, or $176 per month.


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Enter your ZIP code above now to compare cheap auto insurance rates from the best Wyoming insurers in your area.

Who has the cheapest car insurance quotes in Wyoming?

The cheapest minimum-coverage car insurance quotes in Wyoming are offered by:

  • State Farm
  • GEICO
This graph shows the three cheapest auto insurance companies in Wyoming compared to the state average.
This graph shows the three cheapest auto insurance companies in Wyoming compared to the state average.

Find Cheap Auto Insurance Quotes in Wyoming

Currently insured?
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These two auto insurers offered the lowest car insurance rates for a liability-only policy in Wyoming, averaging $255 per year, or $21 per month — or 47% cheaper than the state average.

The insurance companies with the most expensive auto quotes in Wyoming were:

  • Allstate
  • Farmers

In Wyoming, these companies had an average annual quote of $716, or 47% more than the state average.

Average cost of minimum-coverage car insurance among top Wyoming insurers

RankInsurerCar insurance quote
1State Farm$250
2GEICO$261
3Farmers$603
4Allstate$828

Minimum-coverage car insurance meets Wyoming's minimum legal requirements.

Unlike full coverage, minimum coverage doesn't include comprehensive and collision insurance, which protects you from vehicle damage following a collision, theft, vandalism or natural disaster — regardless of who's at fault.

Although full coverage usually costs more, purchasing higher liability coverage limits and adding comprehensive and collision coverage can offer useful financial protection after an expensive accident.

The average difference in cost between full- and minimum-coverage car insurance in Wyoming is $1,632 per year, or $136 per month, in savings.

Who has the cheapest full coverage car insurance in Wyoming?

The cheapest full coverage auto insurance companies in Wyoming are:

  • State Farm: $1,140
  • GEICO: $1,545

These two car insurance carriers were the most affordable for full coverage in Wyoming, offering auto quotes of $1,342 on average, or 37% less than the state average of $2,118.

The insurers with the most expensive auto quotes for full coverage in Wyoming are:

  • Allstate: $3,155
  • Farmers: $2,631

Full coverage car insurance policies include comprehensive and collision insurance, which reimburse property damage to your automobile following most accidents, thefts, natural disasters and vandalism.

Who offers the cheapest full coverage auto insurance in Wyoming for drivers with an accident history?

Wyoming drivers with an accident on their driving record may be able to find cheap full coverage car insurance quotes at State Farm and GEICO.

These two insurance providers were the most affordable for a full coverage auto policy with a prior accident history, offering average annual rates of $1,799 per year, or 35% cheaper than the Wyoming average of $2,748.

RankInsurerQuote before accidentQuote after accidentDifference
1State Farm$1,140$1,324$184
2GEICO$1,545$2,275$729
3Farmers$2,631$3,031$400
4Allstate$3,155$4,364$1,209
Quotes are for an at-fault accident causing $2,000 in property damage.

Just one accident and claim filing on your driving record can increase your car insurance quotes substantially.

The annual cost difference in Wyoming auto insurance quotes for a full coverage policy with no accident history versus a plan with one accident was $630, or $53 per month.

Accident historyAverage annual quote
No accidents$2,118
One accident$2,748

The best-rated car insurance companies in Wyoming

For Wyoming residents, the lowest-cost car insurance company may not be the best for customer service quality. In fact, certain insurance companies are often a better fit for certain types of drivers — depending on your individual circumstances.

Using complaint data from the Wyoming Department of Insurance as a measure of customer satisfaction, we identified the top-rated car insurance companies in Wyoming.

The best Wyoming insurers were:

  • Farm Bureau
  • State Farm
  • Safeco

We've listed the top Wyoming insurers from best (lowest complaint index) to worst (highest complaint index).

RankInsurerComplaint ratio
1Farm Bureau0.113
2State Farm0.118
3Safeco0.143
4Progressive0.181
5Farmers0.229
6GEICO0.341
7USAA0.357
8Allstate0.368

A complaint ratio measures how many complaints each insurer receives relative to their market share of premiums underwritten and indicates how good an auto insurance company's customer service quality is.

The lower the ratio, the fewer complaints a company received relative to its size, meaning that customers were less likely to complain.

Auto insurance in Wyoming: Minimum coverage requirements

Like in most states, Wyoming drivers need to abide by the insurance laws and carry a minimum amount of auto insurance. The state only requires drivers to carry liability insurance with the following minimum limits:

  • Bodily injury (BI): $25,000 per person / $50,000 per accident
  • Property damage (PD): $20,000 per accident

While the above is the lowest amount of insurance coverage you can have, you should consider adding more if you have more to lose. For example, we typically recommend that Wyoming drivers match their liability coverage to what they have in total assets.

Cheapest car insurance in Wyoming by city

We reviewed local auto insurance quotes for the largest cities in Wyoming to report on the insurers with the most affordable rates near you.

The best auto insurers with the lowest rates vary significantly depending on where you live in Wyoming. Even in the most expensive cities, however, shoppers can find cheap car insurance if they compare quotes online from multiple companies.

Here is a list of the best Wyoming car insurance companies that offer the lowest prices for a year's worth of full coverage in the state's most populous cities.

State Farm, GEICO and Farmers frequently took the top three spots.

CityInsurerCar insurance quote
AftonState Farm$1,139
GEICO$1,582
Farmers$2,595
AlpineState Farm$1,139
GEICO$1,582
Farmers$2,595
Bar NunnState Farm$1,139
GEICO$1,470
Farmers$2,827
BasinState Farm$1,139
GEICO$1,582
Farmers$2,594
Big PineyState Farm$1,139
GEICO$1,582
Farmers$2,595
BuffaloState Farm$1,139
GEICO$1,582
Farmers$2,594
ByronState Farm$1,139
GEICO$1,582
Farmers$2,594
CasperState Farm$1,139
GEICO$1,470
Farmers$2,827
CheyenneState Farm$1,133
GEICO$1,470
Farmers$2,719
CodyState Farm$1,139
GEICO$1,582
Farmers$2,594
CokevilleState Farm$1,139
GEICO$1,582
Farmers$2,595
CowleyState Farm$1,139
GEICO$1,582
Farmers$2,594
DaytonState Farm$1,060
GEICO$1,478
Farmers$2,594
DiamondvilleState Farm$1,139
GEICO$1,582
Farmers$2,595
DouglasState Farm$1,133
GEICO$1,498
Farmers$2,414
DuboisState Farm$1,139
GEICO$1,582
Farmers$2,594
EvanstonState Farm$1,139
GEICO$1,582
Farmers$2,414
EvansvilleState Farm$1,139
GEICO$1,470
Farmers$2,827
GilletteState Farm$1,133
GEICO$1,498
Farmers$2,869
GlenrockState Farm$1,133
GEICO$1,498
Farmers$1,414
Green RiverState Farm$1,133
GEICO$1,498
Farmers$1,869
GreybullState Farm$1,139
GEICO$1,582
Farmers$2,594
GuernseyState Farm$1,139
GEICO$1,582
Farmers$2,595
HannaState Farm$1,133
GEICO$1,498
Farmers$2,414
HudsonState Farm$1,139
GEICO$1,582
Farmers$2,594
KemmererState Farm$1,139
GEICO$1,582
Farmers$2,595
La BargeState Farm$1,139
GEICO$1,582
Farmers$2,595
LaramieState Farm$1,139
GEICO$1,582
Farmers$2,595
LingleState Farm$1,139
GEICO$1,582
Farmers$2,595
LovellState Farm$1,139
GEICO$1,582
Farmers$2,594
LuskState Farm$1,139
GEICO$1,582
Farmers$2,595
LymanState Farm$1,139
GEICO$1,582
Farmers$2,414
MillsState Farm$1,139
GEICO$1,470
Farmers$2,827
MoorcroftState Farm$1,139
GEICO$1,582
Farmers$2,595
Mountain ViewState Farm$1,139
GEICO$1,498
Farmers$2,414
NewcastleState Farm$1,139
GEICO$1,582
Farmers$2,595
Pine BluffsState Farm$1,133
GEICO$1,470
Farmers$2,719
PinedaleState Farm$1,139
GEICO$1,582
Farmers$2,595
PowellState Farm$1,139
GEICO$1,582
Farmers$2,594
RanchesterState Farm$1,060
GEICO$1,478
Farmers$2,594
RawlinsState Farm$1,133
GEICO$1,498
Farmers$2,414
SaratogaState Farm$1,133
GEICO$1,498
Farmers$2,414
SheridanState Farm$1,060
GEICO$1,478
Farmers$2,594
ShoshoniState Farm$1,139
GEICO$1,478
Farmers$2,594
SundanceState Farm$1,139
GEICO$1,582
Farmers$2,595
TorringtonState Farm$1,139
GEICO$1,582
Farmers$2,595
UptonState Farm$1,139
GEICO$1,582
Farmers$2,595
WamsutterState Farm$1,133
GEICO$1,498
Farmers$2,869
WorlandState Farm$1,139
GEICO$1,582
Farmers$2,594
WrightState Farm$1,133
GEICO$1,498
Farmers$2,869

To help you shop for inexpensive car insurance in Wyoming, we identified the cheapest insurers for a full coverage policy in:

Cheap car insurance in Cheyenne, Wyoming

  • Average annual auto insurance quote in Cheyenne = $2,119
  • Comparable to Wyoming average

Car insurance rates in Cheyenne were in line with the state average. However, drivers can still find less expensive rates in Wyoming with an auto insurance quotes comparison.

The two insurers providing the cheapest car insurance rates in Cheyenne were State Farm and GEICO. These insurers priced rates at an average of $1,302, or 39% cheaper than the Cheyenne average.

Cheap car insurance in Casper, Wyoming

  • Average annual auto insurance quote in Casper = $2,141
  • One percent more expensive than Wyoming average

When shopping for auto insurance in Casper, be sure to compare car insurance quotes from several insurers. In Casper, the most expensive insurer, Allstate ($3,126), cost $1,987 more than the cheapest, State Farm ($1,139).

Cheap car insurance in Laramie, Wyoming

  • Average annual auto insurance quote in Laramie = $2,113
  • Comparable to Wyoming average

Car insurance in Laramie was typically in line with the Wyoming average. Laramie drivers looking for low-cost car insurance could still benefit by getting quotes from multiple providers. The most expensive insurer in town offered rates 12.8 times the cost of rates at the cheapest carrier.

Cheap car insurance in Gillette, Wyoming

  • Average annual auto insurance quote in Gillette = $2,234
  • Five percent more expensive than Wyoming average

To get the cheapest car insurance rates in Gillette, start with State Farm and GEICO. Together, these two companies charge an average of $1,316 a year to insure a car in Gillette, or about 41% less than the city average.

Cheap car insurance in Sheridan, Wyoming

  • Average annual auto insurance quote in Sheridan = $2,026
  • Four percent cheaper than Wyoming average

The average cost of insuring a driver for a year's worth of full coverage in Sheridan was slightly cheaper than the Wyoming average. We still recommend that Sheridan drivers get multiple quotes. The two most expensive insurers charged $2,782 per year on average, or 37% more than the Sheridan mean.

How much is car insurance in Wyoming cities?

The average cost of a full coverage car insurance policy in Wyoming is $2,118 per year, or approximately $176 per month.

The cheapest Wyoming cities for full coverage car insurance are:

  • Ranchester
  • Sheridan
  • Mountain View

The most expensive cities for auto insurance in Wyoming are:

  • Gillette
  • Upton
  • Sundance
RankCityCar insurance quote
1Ranchester$2,026
2Sheridan$2,026
3Mountain View$2,041
4Dayton$2,043
5Hanna$2,043
6Rawlins$2,047
7Saratoga$2,047
8Evanston$2,062
9Lyman$2,062
10Douglas$2,064
11Glenrock$2,082
12Shoshoni$2,084
13Basin$2,088
14Byron$2,088
15Cody$2,088
16Cowley$2,088
17Dubois$2,088
18Greybull$2,088
19Lovell$2,088
20Powell$2,088
21Pinedale$2,098
22Guernsey$2,102
23Big Piney$2,103
24Alpine$2,106
25Diamondville$2,106
26Kemmerer$2,106
27La Barge$2,106
28Afton$2,108
29Cokeville$2,108
30Buffalo$2,112
31Laramie$2,113
32Hudson$2,118
33Cheyenne$2,119
34Worland$2,121
35Pine Bluffs$2,122
36Lingle$2,138
37Lusk$2,138
38Torrington$2,138
39Casper$2,141
40Mills$2,141
41Green River$2,154
42Wamsutter$2,166
43Bar Nunn$2,177
44Evansville$2,177
45Wright$2,177
46Moorcroft$2,188
47Newcastle$2,188
48Sundance$2,188
49Upton$2,188
50Gillette$2,234

Methodology

We collected auto insurance quotes for Wyoming cities from four car insurance companies.

Our sample driver was a 30-year-old man who drives a 2015 Honda Civic EX. He had no credit history, which makes him comparable to drivers with below-average credit, according to our data source, Quadrant Information Services.

For a minimum-coverage policy, our sample driver had coverage equivalent to the minimum state legal requirements in Wyoming.

For full coverage car insurance quotes, our sample driver held a policy with the following limits:

Coverage typeStudy limits
Bodily liability$50,000 per person / $100,000 per accident
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision$500 deductible

Average premiums are for illustrative purposes, as individual quotes will differ based on driving history, ZIP code, vehicle type, coverage limits and other factors.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.