Find the Cheapest Insurance Quotes in Your Area
We reviewed auto insurance quotes across several major companies in Wyoming to determine which companies had the best rates for insuring our driver's car. The analysis covered the 36 most populated cities in the Equality State for a 30 year old single male driver. Rates varied widely based on which insurers motorists get quotes from - as low as $881 at the cheapest auto insurance company, or as high as $1,846 at the costliest. To start looking for great rates in your area, fill in your zip code above for a list of the top companies active in your area.
- Cheapest Car Insurance Companies
- Cheapest Auto Insurance Rates: by City
- Best Auto Insurance Companies in Wyoming
- Average Cost of Car Insurance by City
We analyzed quotes from several major insurers for our example motorist in the Equality State, and averaged them across all cities to see which companies had the cheapest car insurance rates in Wyoming. Results indicate that Progressive, GEICO, State Farm, and Grange Insurance Association had the best rates for insuring a car in Wyoming. The top four carriers charged an average of $1,067 for a year's worth of full coverage protection, which was a 13% discount to the state mean.
Find the Cheapest Auto Insurance Quotes in Your Area
On the other hand, the most expensive car insurance rates in Wyoming were offered by MetLife at an average annual premium of $1,846, which meant about $623 (51%) more out of pocket for our sample driver. Below is a table illustrating the five Wyoming auto insurers we used in the study, and their respective annual average insurance quote for our sample driver:
|Rank||Auto Insurance Company||Average Annual Rates|
|4||Grange Insurance Association||$1,256|
On a local level, we broke down the data of all cities we surveyed to provide motorists with a better view of the companies with the best auto insurance rates in their area. These amounts were calculated using our driver as a benchmark, so your actual rates will differ based on factors such as vehicles and driving history. GEICO and Progressive dueled for the top two positions, with State Farm finishing solidly with the third cheapest car insurance in most Wyoming cities:
|City||Auto Insurance Company||Average Annual Rates|
|Yellowstone National Park||Progressive||$868|
The five cities with the lowest auto insurance costs in Wyoming have smaller populations and are located in the northern half of the state. They have an average cost of $1,154 per year.
|Rank||City||Average Annual Rates||Change vs. State Average|
Saratoga has the cheapest auto insurance in Wyoming at an annual premium of $1,151 for our sample driver, which is about 6% lower than the state average. Located in Carbon County, Saratoga is known for its hot spring and for hosting the Steinley Cup microbrew competition.
Rawlins has the second most affordable auto insurance in Wyoming and is also situated in Carbon County, Wyoming. On average, rates are $1,153 per year, just missing the top spot on our list for cities with the cheapest insurance.
These three cities tied for the third spot for the most affordable cities to live in for auto insurance in Wyoming. Rates average $1,156 annually, which is approximately 5% lower than the state mean. The second biggest city in Wyoming, Casper, also known as “The Oil City” boasts a history of boomtowns and cowboys. Casper ranks as a family-friendly area in the West, taking eighth place in a list in Forbes magazine for “the best small cities to raise a family."
Green River, WY
Incorporated in 1868, Green River is known for its large deposits of natural minerals. Rates are also approximately $1,156 annually, which is 5% lower than the state mean.
Rock Springs, WY
Rock Springs is a sister city to Green River and is also a part of Sweetwater County. With 24,000 people, Rock Springs ranks as the fifth most populated city in the Cowboy State. This city has a rich cultural and international heritage, as a majority of settlers immigrated from all over the world to work in the coal mines that fueled the great Union Pacific Railroad in the late 19th century. It comes as no surprise that one of Rock Springs’s unique annual festivals is International Day.
Our five most expensive cities are generally the most populous in the state. On average, it costs about $1,281 to insure a vehicle with full coverage protection in these five locations.
|Rank||City||Average Annual Premium||Change vs State Average|
Warren has the most expensive auto insurance in Wyoming for our sample driver, offering rates at $1,326 annually. This is about 8% higher than the state mean of $1,223. Warren has a stable economy and an arts and culture scene.
Cheyenne’s auto insurance costs are the second most expensive in Wyoming at $1,313 per annum. As the county seat of Laramie County, Cheyenne is located in the very southeast corner of Wyoming. It is the most populated city in the state with around 60,000 residents, and with 25 square miles of land, is the fourth most densely populated city in the Cowboy State. It has several landmarks designated as National Historic Landmarks, including Fort Yellowstone and the Wyoming State Capitol.
Afton has the third most expensive city to live in for car insurance in Wyoming. It has rates of $1,260 per year, which is $105 monthly. Afton has the distinction of owning the largest arch created from the antlers of elk. Mormon settlers founded the city near the Oregon Trail.
Kemmerer takes the fourth spot on our list of most expensive cities for motorists. With annual premiums of $1,256, drivers in Kemmerer pay about 3% more than the state average. The city has a history with coal, which was discovered in 1843 in this location. The first underground mine was built here in 1881 by the Union Pacific Coal Company.
Jackson has the fifth most expensive auto insurance costs, with average annual premiums of $1,251. It is located in the westernmost part of Wyoming bordering Idaho State. Jackson is surrounded by a rich natural environment and a plethora of parks, such as the Grand Teton National Park, Yellowstone National Park, and the Palisades Reservoir. The 2010 US Census recorded 10,000 residents in the city, placing it as the tenth most populated city of Wyoming. With only 3 square miles of land, Jackson is the most densely populated city in the state, which is reflected in its expensive average auto insurance rates.
Minimum Car Insurance Requirements in Wyoming
Like in most states, Wyoming drivers need to abide by insurance laws and carry a minimum amount of auto insurance. The state only requires drivers to carry liability insurance.
- $25,000 per person/$50,000 per accident of bodily injury liability
- $20,000 of property damage liability
To determine which were the best car insurance companies in Wyoming, we gathered data from the state's Department of Insurance to compile a consumer complaint index. The complaint ratio compares a company's share of complaints to its share of premiums (that is - its auto insurance business) underwritten in Wyoming. Here are the rankings: the better a company is, the lower its index, while the higher its index number is, the worse it is from a complaint perspective. An average company has an index number of 1.
|Wyoming Auto Insurance Company||# of Closed Complaints||Direct Premium Written ($MM)||Complaint Index|
|State Farm Insurance||18||133.91||0.655|
|Mountain West Farm Bureau Mutual||13||86.80||0.729|
|Farmers / Fire Insurance Exchange||9||29.59||1.481|
|Safeco Insurance Company of America||6||16.75||1.745|
|Dairyland Insurance / Viking Insurance||6||7.52||3.887|
Our inference is that a smaller share of complaints versus a larger share of business means the company's doing comparatively better than an average company - a better measure than just focusing on the number of complaints. We've also aggregated smaller underwriting affiliates under the major marketing group that each company quotes business under. Based on this available set of data, Progressive, State Farm, and Mountain West Farm Bureau ranked as the best companies to insure Wyoming drivers' vehicles with.
Here is the full list of cities in Wyoming included in our premium comparison. We've ranked them from the cheapest auto insurance costs to the most expensive for our benchmark of a 30 year old male driver.
We obtained rate estimates from the 3 most populated cities in Wyoming. In order to get the most applicable average rates, our sample insured driver is a 30 year old single male who drives a 2011 Toyota Camry, which he owns outright, to commute to work about 12,000 miles a year. His credit score is in good condition, and he hasn't had any accident or traffic violations in the most recent five years.
|Insurance Coverage||Wyoming Minimum Coverage||Study Coverage|
|Bodily Injury (BI) (per person / per accident)||$25,000 / $50,000||$50,000 / $100,000|
|Property Damage (PD)||20,000||25,000|
|Uninsured Motorist BI (per person / per accident)||50,000 / 100,000|
|Uninsured Motorist PD||25,000|
Below are the 36 cities in Wyoming that we included in the study. We've organized them in alphabetical order along with their average annual costs:
|Rank||City||Average Annual Premium||Change vs. State Average|
|30||Yellowstone National Park||$1,239||1%|