Best & Cheapest Car Insurance Quotes in Wyoming (2026)
Geico has the cheapest car insurance in Wyoming, at $109 per month for full coverage.
Find Cheap Car Insurance Quotes in Wyoming
Best cheap auto insurance in WY
Geico and State Farm are the cheapest companies for most people in Wyoming.
- Want full coverage? Geico: $109/mo
- Only need minimum coverage? Geico: $18/mo
- Want the best service? State Farm: $112/mo
- Have a speeding ticket? State Farm: $121/mo
- Caused an accident? State Farm: $130/mo
- Need coverage for a teen? Geico: $59/mo
- Got a DUI? State Farm: $212/mo
- Have poor credit? Geico: $150/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in WY: Geico
Geico has the cheapest full coverage car insurance in Wyoming.
- Geico charges an average of $109 per month for full coverage car insurance in Wyoming. That's 17% less than the statewide average.
- State Farm could be a better choice for many Wyoming drivers because it has better customer service reviews than Geico. And, at $112 per month, full coverage from State Farm only costs a few dollars more per month.
- 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.
Find Cheap Car Insurance Quotes in Wyoming
Cheapest full coverage auto insurance in Wyoming
Company | Monthly rate |
|---|---|
| Geico | $109 |
| State Farm | $112 |
| Farmers | $163 |
| Allstate | $210 |
| USAA* | $94 |
*USAA is only available to current and former military members and their families.
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 an average of 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 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 |
| Farmers | $39 |
| Allstate | $60 |
| USAA* | $17 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Wyoming
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% |
| Alta | $138 | 5% |
| Alva | $131 | 0% |
| Antelope Valley-Crestview | $132 | 1% |
| Arapahoe | $129 | -1% |
| Arminto | $131 | 0% |
| Arvada | $127 | -3% |
| Auburn | $129 | -1% |
| Baggs | $127 | -3% |
| Bairoil | $131 | 0% |
| Banner | $125 | -5% |
| Bar Nunn | $132 | 0% |
| Basin | $129 | -2% |
| Bedford | $129 | -1% |
| Beulah | $131 | 0% |
| Big Horn | $124 | -5% |
| Big Piney | $129 | -1% |
| Bondurant | $129 | -2% |
| Bosler | $129 | -1% |
| Boulder | $129 | -1% |
| Buffalo | $129 | -1% |
| Buford | $129 | -1% |
| Burlington | $129 | -2% |
| Burns | $129 | -2% |
| Byron | $129 | -2% |
| Carpenter | $129 | -2% |
| Casper | $131 | 0% |
| Centennial | $129 | -1% |
| Cheyenne | $127 | -3% |
| Chugwater | $128 | -2% |
| Clearmont | $127 | -3% |
| Cody | $129 | -2% |
| Cokeville | $129 | -1% |
| Cora | $129 | -2% |
| Cowley | $129 | -2% |
| Crowheart | $129 | -2% |
| Daniel | $129 | -2% |
| Dayton | $125 | -5% |
| Deaver | $129 | -2% |
| Devils Tower | $131 | 0% |
| Diamondville | $129 | -1% |
| Dixon | $127 | -3% |
| Douglas | $128 | -2% |
| Dubois | $129 | -2% |
| Edgerton | $132 | 0% |
| Elk Mountain | $127 | -3% |
| Emblem | $129 | -2% |
| Encampment | $127 | -3% |
Best car insurance in Wyoming: State Farm
-
Full coverage rate$112/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processGoodClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingA++An A++ financial strength rating means that a company has a superior ability to pay customer claims, even in difficult financial situations. This is the highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Wyoming based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Wyoming
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
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 an average of $121 per month, a full coverage policy from State Farm costs $44 per month less than the Wyoming average. It's also $50 per month less than the second-cheapest option, Farmers.
Cheap Wyoming car insurance with a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $121 |
| Farmers | $171 |
| Geico | $210 |
| Allstate | $238 |
| USAA* | $106 |
*USAA is only available to current and former military members and their families.
In Wyoming, a single speeding ticket could 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, on average, $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 |
| Farmers | $188 |
| Allstate | $286 |
| USAA* | $117 |
*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.
Cheap auto insurance rates in Wyoming for teens: Geico
Geico has the most affordable quotes for young drivers in Wyoming.
- Minimum coverage: Geico's average rate of $59 per month for liability-only coverage is $29 per month cheaper than the average across the state.
- Full coverage: Geico also has the best price for full coverage, at $313 per month. That's $86 per month less than the Wyoming average.
Cheapest Wyoming car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $59 | $313 |
| State Farm | $71 | $354 |
| Farmers | $107 | $472 |
| Allstate | $175 | $749 |
| USAA* | $48 | $264 |
*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 young drivers' lack of 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 stand-alone policies, and you can qualify for a multicar discount. It's also a good idea to see if you can bundle your auto and home or renters insurance.
Cheapest auto insurance in Wyoming for teens with a ticket or accident: Geico
Geico is the best company in Wyoming 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 |
| State Farm | $79 | $88 |
| Farmers | $113 | $124 |
| Allstate | $201 | $202 |
| USAA* | $50 | $57 |
*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: State Farm
State Farm offers the best quotes in Wyoming if you have a DUI or DWI, at an average of $212 per month for full coverage. That's $23 per month less than the Wyoming state average.
Company | Monthly rate |
|---|---|
| State Farm | $212 |
| Allstate | $258 |
| Geico | $270 |
| Farmers | $303 |
| USAA* | $171 |
*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: Geico
Geico has the best quotes in Wyoming for drivers with poor credit scores. At $150 per month, full coverage from Geico is $60 per month cheaper than the state average.
Company | Monthly rate |
|---|---|
| Geico | $150 |
| State Farm | $186 |
| Farmers | $196 |
| Allstate | $316 |
| USAA* | $276 |
*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.
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
If you're caught driving without car insurance in Wyoming, you may be fined, put in jail or both. However, unless you have other legal issues or you caused a severe crash, you probably won't be jailed for your first offense. If you're pulled over without insurance more than once, you'll likely have your license suspended until you can show proof of insurance.
Potential fines and penalties for driving without insurance in Wyoming- Fine: $500 to $1,500
- Jail time: Up to six months
- Driving privileges: Upon your second offense, your license and registration will be suspended until proof of insurance is provided
- Other penalties: Must have an SR-22 certificate for three years
- Other fees: $50 license reinstatement fee
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 8 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 of 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, Geico has the cheapest full coverage car insurance in Wyoming. At $109 per month, full coverage from Geico is 17% cheaper than the Wyoming average. Geico also 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.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
