As you shop for coverage, we always recommend comparing quotes from multiple auto insurance companies to find the best rate for you.
Cheapest auto insurance in Wyoming: Geico
Geico offered the cheapest minimum coverage car insurance quotes in Wyoming, with average price of $222 per year, or $18 per month — 47% cheaper than the state average.
Find Cheap Auto Insurance Quotes in Wyoming
The insurance companies in our analysis with the most expensive auto quotes in Wyoming were Farmers and Allstate. These companies had average annual quotes of $460 and $720 for minimum coverage, respectively.
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 (regardless of who’s at fault), theft, vandalism or natural disaster.
Although full coverage usually costs more, purchasing higher liability coverage limits and adding comprehensive and collision coverage can offer useful financial protection after an accident.
The average difference in cost between full and minimum coverage car insurance in Wyoming is $1,332 per year.
Cheapest company for full coverage: State Farm
The average cost of a full coverage car insurance policy in Wyoming is $1,753 per year, or approximately $146 per month.
The cheapest full coverage auto insurance companies in Wyoming are State Farm and Geico. These car insurers were the most affordable for full coverage in Wyoming with monthly rates of $109, which is 26% less than the state average.
Allstate and Farmers offered the most expensive quotes in our analysis for full coverage car insurance in Wyoming. 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.
Cheap car insurance for drivers with prior incidents
Drivers in Wyoming with violations on their records, such as a traffic ticket or DUI citation, will usually face higher car insurance rates. Therefore, we analyzed which insurer is the most affordable policy for drivers who:
Find Cheap Auto Insurance Quotes in Wyoming
Cheapest car insurance for people with a speeding ticket: State Farm
On average, State Farm offered the cheapest auto insurance rates in Wyoming for drivers with a speeding ticket. Allstate customers face the highest prices after speeding: $2,736 per year, or $228 per month.
Cheapest for drivers with an accident: State Farm
Wyoming drivers with an accident on their driving records may be able to find cheap full coverage car insurance quotes at State Farm and Geico.
Both offer affordable full coverage auto policy rates with a prior accident history, with State Farm offering average annual rates of $1,516 per year, or 33% cheaper than the Wyoming average of $2,258.
Just one accident and claim filing on your driving record can increase your car insurance quotes by $631, or $53 per month.
Cheapest car insurance for drivers with a DUI: Allstate
If you have a DUI or DWI on your driving record, Allstate offered the best quotes, at an average of $247 per month.
Drivers in Wyoming pay, on average, 88% higher rates for full coverage auto insurance after getting a DUI. This equates to an average of $3,301 per year.
State Farm's rates for drivers with a DUI are not available in this state.
Cheapest car insurance for drivers with poor credit: Geico
In Wyoming, drivers with poor credit pay 34% higher auto insurance rates than those with average credit. Geico offered the best quotes to drivers with low credit scores, at $141 per month. Farmers had the smallest price increase based on credit — drivers with poor credit would only pay 17% more on average than those with average credit.
Cheapest car insurance for married drivers: State Farm
Married drivers frequently get lower auto insurance quotes than single drivers. This difference is relatively modest in Wyoming, with average married drivers paying 3% less than unmarried ones. Single drivers pay an average of $59 more per year; however, not all insurers offer discounts to married drivers.
Cheapest car insurance for young drivers: Geico
Young drivers shopping for the cheapest car insurance in Wyoming are likely to find the best rates with State Farm or Geico, both of which have rates below $1,000 per year for a minimum coverage policy. Geico's rate of $735 was the lowest we found overall.
The average cost of car insurance for 18-year-old drivers in Wyoming is $1,276 per year, or $106 per month, if you have your own liability-only policy.
Car insurance for young drivers is often much more expensive than for drivers in their 30s or 40s. The average cost of full coverage car insurance is $5,483 per year for young drivers in Wyoming, more than three times higher than it is for older drivers.
Cheapest car insurance for young drivers after a ticket: Geico
The best company for a young driver after a speeding ticket at Geico, where the typical price was $920 — 28% less than the typical rate across all insurers.
A speeding ticket can significantly increase car insurance costs for younger drivers. In Wyoming, young drivers with a speeding ticket on their records pay 14% more on average for full coverage than those without any incidents.
Cheapest car insurance for young drivers after an accident: Geico
On average, the most affordable car insurance quotes for young people who have been in an accident is Geico, which offers prices 45% below average. At-fault accidents will cause the cost of your car insurance policy to increase, and the impact of this can be harsher for young drivers who already face expensive premiums.
Best auto insurance companies in Wyoming
The best insurer in Wyoming is State Farm, based on ValuePenguin's overall rating that factors in price, coverage options and customer service satisfaction ratings.
The cheapest car insurance company for you may not be the best for customer service quality. The good news is that Geico and State Farm, two of the cheapest companies for most Wyoming drivers, also have high scores for customer support.
Average car insurance cost in Wyoming, by city
The cheapest Wyoming cities for full coverage car insurance are Big Horn, Ranchester and Sheridan. The average cost of a policy in each of these cities was $1,673 per year, or 5% below the state mean.
The most expensive cities for auto insurance in Wyoming are Hoback, Jackson, Moose Wilson Road, South Park, Teton Village and Wilson. The average cost in each of these cities was $1,843 per year.
Average annual cost
Percent from average
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 or are more likely to face a liability claim. For example, we typically recommend Wyoming drivers have greater liability coverage if they spend a lot of time on the road.
Recap of the cheapest auto insurance in Wyoming
- Minimum coverage: Geico
- Full coverage: State Farm
- After a speeding ticket: State Farm
- After an at-fault accident: State Farm
- After a DUI: State Farm
- Poor credit history: Geico
- Married drivers: Geico
- Young drivers: Geico
- Young drivers after a ticket: Geico
- Young drivers after an accident: Geico
We collected thousands of rates from ZIP codes across Wyoming. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full coverage policy with the following limits:
|Bodily liability||$50,000 per person/$100,000 per accident|
|Personal injury protection||$10,000|
|Property damage||$25,000 per accident|
|Uninsured/underinsured motorist bodily injury||$50,000 per person/$100,000 per accident|
|Comprehensive and collision||$500 deductible|
For our minimum coverage policy, we quoted a policy with the minimum required limits in Wyoming.
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.