Auto Insurance Basics

Who Has the Cheapest Car Insurance Quotes in Wyoming?

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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 Auto Insurance in Wyoming

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.

This graph ranks the auto insurance carriers in Wyoming from the cheapest to the most expensive

Find the Cheapest Auto Insurance Quotes in Your Area

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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:

RankAuto Insurance CompanyAverage Annual Rates
1Progressive$881
2GEICO$1,010
3State Farm$1,121
4Grange Insurance Association$1,256
5MetLife$1,846

Cheapest Car Insurance in Wyoming: by City

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:

CityAuto Insurance CompanyAverage Annual Rates
AftonProgressive$866
GEICO$1,007
State Farm$1,116
ArapahoeProgressive$868
GEICO$1,007
State Farm$1,116
BasinProgressive$884
GEICO$1,007
State Farm$1,116
BuffaloProgressive$914
GEICO$1,007
State Farm$1,116
CasperProgressive$877
GEICO$942
State Farm$1,152
CheyenneProgressive$920
GEICO$1,038
State Farm$1,128
CodyProgressive$869
GEICO$1,007
State Farm$1,116
DouglasProgressive$872
GEICO$1,022
State Farm$1,116
EvanstonProgressive$844
GEICO$1,007
State Farm$1,116
Fort WashakieProgressive$868
GEICO$1,007
State Farm$1,116
GilletteProgressive$914
GEICO$1,022
State Farm$1,116
GlenrockProgressive$872
GEICO$1,022
State Farm$1,116
Green RiverProgressive$859
GEICO$1,022
State Farm$1,116
GreybullProgressive$869
GEICO$1,007
State Farm$1,116
GuernseyProgressive$872
GEICO$1,007
State Farm$1,116
JacksonProgressive$866
GEICO$926
State Farm$1,296
KemmererProgressive$844
GEICO$1,007
State Farm$1,116
LanderProgressive$868
GEICO$1,007
State Farm$1,116
LaramieProgressive$882
GEICO$1,007
State Farm$1,116
LingleProgressive$914
GEICO$1,007
State Farm$1,116
LovellProgressive$869
GEICO$1,007
State Farm$1,116
LuskProgressive$914
GEICO$1,007
State Farm$1,116
NewcastleProgressive$920
GEICO$1,007
State Farm$1,116
PinedaleProgressive$868
GEICO$1,007
State Farm$1,116
PowellProgressive$869
GEICO$1,007
State Farm$1,116
RawlinsProgressive$877
GEICO$1,022
State Farm$1,116
RivertonProgressive$868
GEICO$1,007
State Farm$1,116
Rock SpringsProgressive$859
GEICO$1,022
State Farm$1,116
SaratogaProgressive$868
GEICO$1,022
State Farm$1,116
SheridanProgressive$891
State Farm$1,044
GEICO$1,105
ThermopolisProgressive$868
GEICO$1,007
State Farm$1,116
TorringtonProgressive$914
GEICO$1,007
State Farm$1,116
WarrenProgressive$986
GEICO$1,038
State Farm$1,128
WheatlandProgressive$872
GEICO$1,007
State Farm$1,116
WorlandProgressive$868
GEICO$1,007
State Farm$1,116
Yellowstone National ParkProgressive$868
GEICO$1,007
State Farm$1,116

Cities with the Cheapest Car Insurance in Wyoming

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.

RankCityAverage Annual RatesChange vs. State Average
1Saratoga$1,151-6%
2Rawlins$1,153-6%
3Casper$1,156-5%
4Green River$1,156-5%
5Rock Springs$1,156-5%

Saratoga, WY

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, WY

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.  

Casper, WY

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.  

Cities with the Most Expensive Car Insurance

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.

RankCityAverage Annual PremiumChange vs State Average
1Warren$1,3268%
2Cheyenne$1,3137%
3Afton$1,2603%
4Kemmerer$1,2563%
5Jackson$1,2512%

Warren, WY

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, WY

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, WY

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, WY

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, WY

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

Best Auto Insurance Companies in Wyoming

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
Progressive Insurance 4 $30.13 0.646
State Farm Insurance 18 133.91 0.655
Mountain West Farm Bureau Mutual 13 86.80 0.729
Mid-Century Insurance  10 34.41 1.415
Farmers / Fire Insurance Exchange 9 29.59 1.481
Safeco Insurance Company of America 6 16.75 1.745
Allstate Insurance 5 6.64 3.669
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. 

Average Cost of Car Insurance by City in Wyoming

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.

This graph ranks the auto insurance carriers in Wyoming from the cheapest to the most expensive

Methodology

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:

RankCityAverage Annual PremiumChange vs. State Average
34Afton$1,2603%
20Arapahoe$1,2391%
31Basin$1,2422%
6Buffalo$1,179-4%
3Casper$1,156-5%
35Cheyenne$1,3137%
21Cody$1,2391%
16Douglas$1,2210%
8Evanston$1,193-2%
22Fort Washakie$1,2391%
15Gillette$1,2200%
9Glenrock$1,212-1%
4Green River$1,156-5%
23Greybull$1,2391%
12Guernsey$1,2180%
32Jackson$1,2512%
33Kemmerer$1,2563%
24Lander$1,2391%
10Laramie$1,213-1%
17Lingle$1,2270%
25Lovell$1,2391%
18Lusk$1,2270%
13Newcastle$1,2180%
26Pinedale$1,2391%
27Powell$1,2391%
2Rawlins$1,153-6%
11Riverton$1,2170%
5Rock Springs$1,156-5%
1Saratoga$1,151-6%
7Sheridan$1,179-4%
28Thermopolis$1,2391%
19Torrington$1,2270%
36Warren$1,3268%
14Wheatland$1,2180%
29Worland$1,2391%
30Yellowstone National Park$1,2391%

Sources: Wyoming Minimum Auto Insurance Requirements
Population

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