Best & Cheapest Car Insurance Quotes in Wyoming (2026)
American National has the best cheap car insurance in Wyoming, at $98 per month for full coverage. That's $25 per month less than the state average.
Find Cheap Auto Insurance Quotes in Wyoming
Best cheap auto insurance in Wyoming
Best and cheapest car insurance in Wyoming
- Cheapest full coverage: American National, $98/mo
- Cheapest minimum liability: Geico, $18/mo
- Cheapest for young drivers: Geico, $59/mo
- Cheapest after a ticket: State Farm, $121/mo
- Cheapest after an accident: State Farm, $130/mo
- Cheapest for teens after a ticket: Geico, $73/mo
- Cheapest after a DUI: American National, $194/mo
- Cheapest for poor credit: American National, $140/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm offers the best combination of affordable rates and great customer service in Wyoming.
American National and Geico also have cheap quotes, but their customer service isn't typically as good as State Farm's.
Cheapest Wyoming car insurance: American National
American National has the cheapest full coverage car insurance in Wyoming.
Find Cheap Auto Insurance Quotes in Wyoming
- American National has the cheapest full-coverage rates in Wyoming overall, at $98 per month, on average.
- State Farm charges an average of $112 per month for full coverage, which is $14 per month more than the cheapest widely-available option.
- USAA has the cheapest rates in Wyoming overall, at $94 per month. However, only military members, veterans and some of their family members can get car insurance from USAA.
Cheapest full coverage auto insurance in Wyoming
Company | Monthly rate | |
|---|---|---|
| American National | $98 |
| Geico | $109 |
| State Farm | $112 |
| Farmers | $163 |
| Allstate | $210 |
*USAA is only available to current and former military members and their families.
Data-powered research on Wyoming car insurance
| Data-powered research on Wyoming car insurance |
|---|
Cheapest liability-only auto insurance in Wyoming: Geico
Geico has the cheapest minimum liability car insurance quotes in Wyoming.
A minimum liability policy from Geico costs just $18 per month, which is $12 per month less than the Wyoming state average.
USAA has the best liability-only insurance for military members, veterans and their families in Wyoming. At just $17 per month, minimum liability insurance to avoid penalties from USAA is even cheaper than Geico. In addition, USAA has much better customer service than Geico.
Cheapest Wyoming auto insurance companies
Company | Monthly rate |
|---|---|
| Geico | $18 |
| State Farm | $22 |
| American National | $24 |
| Farmers | $39 |
| Allstate | $60 |
*USAA is only available to current and former military members and their families.
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Cheap auto insurance rates in Wyoming for teens: Geico and American National
Geico has the most affordable quotes for young drivers in Wyoming. Geico's rate of $59 per month for liability-only coverage is $29 per month cheaper than the average across the state.
American National has the best price for full coverage, at $243 per month. That's $156 per month less than the Wyoming average.
Cheapest Wyoming car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $59 | $313 |
| American National | $67 | $243 |
| State Farm | $71 | $354 |
| Farmers | $107 | $472 |
| Allstate | $175 | $749 |
*USAA is only available to current and former military members and their families.
Wyoming teens pay close to three times more for car insurance than older drivers. That's because insurance companies believe their lack of driving experience makes them more likely to cause an accident in the future.
The best way for young drivers in Wyoming to save money on car insurance is by sharing a policy with their parents or an older relative. A shared policy typically costs much less than two standalone policies, and you can qualify for a multi-car discount. It's also a good idea to see if you can bundle your auto and home or renters insurance.
Best Wyoming car insurance quotes after a speeding ticket: State Farm
State Farm has the cheapest auto insurance quotes in Wyoming for drivers with a speeding ticket.
At $121 per month, a full coverage policy from State Farm costs $44 per month less than the Wyoming average. It's also $25 per month less than the second-cheapest option, American National.
Cheap Wyoming car insurance with a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $121 |
| American National | $146 |
| Farmers | $171 |
| Geico | $210 |
| Allstate | $238 |
*USAA is only available to current and former military members and their families.
In Wyoming, a single speeding ticket will raise your rates by around 26%. That's an average increase of $35 per month for a full coverage policy.
Cheapest Wyoming insurance after an accident: State Farm
State Farm has the cheapest full coverage car insurance quotes for Wyoming drivers with an accident on their record. Full coverage from State Farm costs around $130 per month, which is $45 per month cheaper than the Wyoming average.
Best car insurance rates in Wyoming after an accident
Company | Monthly rate |
|---|---|
| State Farm | $130 |
| Geico | $161 |
| American National | $170 |
| Farmers | $188 |
| Allstate | $286 |
*USAA is only available to current and former military members and their families.
Just one accident on your driving record can increase full coverage quotes by $44 per month in Wyoming.
You don't need to worry about switching car insurance companies right after an accident. Your rates won't increase until your current policy renews. But any quotes you get will include your accident, so they'll probably be more expensive than what you're currently paying.
It's best to wait until your insurance company sends your renewal offer, which should be a few weeks to a month before your current policy expires. Then, you should compare quotes from multiple companies to find the best price.
Cheapest auto insurance in Wyoming for teens with a ticket or accident: Geico
Geico is the best company for young drivers with a speeding ticket or accident on their record.
At Geico, an 18-year-old typically pays around $73 for a minimum-liability policy after a ticket or $65 per month after a crash.
Company | Ticket | Accident |
|---|---|---|
| Geico | $73 | $65 |
| American National | $79 | $95 |
| State Farm | $79 | $88 |
| Farmers | $113 | $124 |
| Allstate | $201 | $202 |
*USAA is only available to current and former military members and their families.
In Wyoming, 18-year-old drivers with a speeding ticket pay 13% more for car insurance. And an at-fault crash raises rates by 20%.
Cheapest car insurance in Wyoming after a DUI: American National
American National offers the best quotes in Wyoming if you have a DUI or DWI, at $194 per month for full coverage. That's $41 per month less than the Wyoming state average.
Company | Monthly rate |
|---|---|
| American National | $194 |
| State Farm | $212 |
| Allstate | $258 |
| Geico | $270 |
| Farmers | $303 |
*USAA is only available to current and former military members and their families.
Drivers in Wyoming pay 79% more for full coverage auto insurance after a DUI.
In addition, Wyoming drivers who get a DUI may need SR-22 insurance.
Insurance companies usually charge between $15 and $50 to file your SR-22 form. This is on top of any increase to your car insurance rates.
Cheapest car insurance in Wyoming for drivers with poor credit: American National
American National has the best quotes in Wyoming for drivers with poor credit scores. At $140 per month, full coverage from American National is $70 per month cheaper than the state average.
Company | Monthly rate |
|---|---|
| American National | $140 |
| Geico | $150 |
| State Farm | $186 |
| Farmers | $196 |
| Allstate | $316 |
*USAA is only available to current and former military members and their families.
In Wyoming, drivers with poor credit pay 61% more for auto insurance than those with good credit. That's because insurance companies believe people with bad credit scores are more likely to make insurance claims.
Best car insurance in Wyoming
USAA is the best insurance company in Wyoming.
That's because USAA has excellent customer service, cheap quotes and helpful coverage options.
State Farm is a great choice if you're not eligible for USAA. It offers reliable customer service at an affordable rate.
Top Wyoming car insurance companies
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| Farmers | 622 | A | |
| Geico | 645 | A++ | |
| Allstate | 635 | A+ |
Wyoming car insurance rates by city
The city of Sheridan and its nearby communities of Big Horn, Ranchester and Wyarno are the cheapest areas for car insurance in Wyoming.
Drivers in these places pay an average of $124 per month for full coverage insurance.
The most expensive area for auto insurance quotes in Wyoming is Jackson and its surrounding towns. The average cost in the area is $138 per month.
Average Wyoming car insurance quotes by location
City | Monthly rate | % from average |
|---|---|---|
| Afton | $129 | -1% |
| Aladdin | $131 | 0% |
| Albin | $129 | -2% |
| Alcova | $131 | 0% |
| Alpine | $129 | -1% |
What car insurance is required in Wyoming?
Wyoming drivers need to have a minimum amount of liability insurance to legally drive on public roads, which is sometimes written as 25/50/20.
- Bodily injury (BI) liability: $25,000 per person and $50,000 per accident
- Property damage (PD) liability: $20,000 per accident
What's the best car insurance coverage for Wyoming drivers?
Full coverage car insurance with higher liability limits and comprehensive and collision coverage is the best choice for most drivers.
Most lenders require you to have comprehensive and collision coverage if you have a car loan or lease. That's because these coverages pay for most types of damage to your car, regardless of whose fault it is. Comprehensive and collision are also a good idea if your car is less than eight years old or worth more than $5,000.
Although full coverage usually costs more, higher liability limits could save you money if you're ever in a serious accident. That's because the minimum required coverage may not be enough to cover the cost or a major crash.
For example, if you crash into and total an expensive pickup truck, $20,000 of property damage coverage probably won't be enough to fully replace it. If you have minimum coverage, you'll have to pay the remainder out of pocket.
Frequently asked questions
What is the cheapest insurance in Wyoming?
In 2026, American National has the cheapest full coverage car insurance in Wyoming. At $98 per month, full coverage from American National is a quarter less than the Wyoming average. Geico has the cheapest minimum liability rates, at $18 per month.
How much is car insurance in Casper, WY?
The average cost of car insurance in Casper is $131 per month for a full coverage policy. That's the same as the Wyoming average.
Is car insurance expensive in Wyoming?
Wyoming has the cheapest minimum liability car insurance rates in the country, and the third-cheapest full coverage rates. That's probably because Wyoming doesn't have any major cities with high traffic. It also has a low percentage of uninsured drivers and very few car thefts, according to the FBI.
Methodology
ValuePenguin collected thousands of rates from every ZIP code in Wyoming for a 30-year-old man who owns a 2018 Honda Civic EX and has good credit.
Quotes are for a full coverage policy with liability, collision and comprehensive coverage:
- $50,000 of bodily injury liability coverage per person, and $100,000 per accident
- $50,000 of property damage liability
- $50,000 of bodily injury uninsured motorist coverage per person, and $100,000 per accident
- $25,000 of uninsured motorist coverage for property damage
- Collision and comprehensive coverage with a $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Lead Writer
Matt Timmons is a Lead Writer on the insurance team at ValuePenguin, where he writes in-depth and timely pieces helping find the right coverage for them.
He's covered insurance at ValuePenguin since 2018, specializing in auto and home insurance, as well as life insurance. He's paid special attention to the EV insurance market, where prices are much higher than for gas cars.
Before he started writing about personal finance, Matt wrote about professional skills and online tools at an e-learning company.
How insurance helped Matt
During freshman orientation in college, Matt's iPod was stolen off his table while he was eating lunch. Luckily, he'd bought a college insurance plan the day before and he had money to buy a replacement before classes started.
Expertise
- Auto insurance
- Home insurance
- Insurance rate analysis
- Life insurance
Referenced by
- CNBC
- Miami Herald
- Yahoo! Finance
Education
- BA, Wesleyan University
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.
