The average cost of minimum-coverage car insurance in Wyoming is $410 per year, or $34 per month. For a full coverage auto insurance policy in Wyoming, the average cost is $2,123 per year, or $177 per month.
Enter your ZIP code above to compare cheap auto insurance rates from the best Wyoming insurers in your area.
Cheapest auto insurance in Wyoming: State Farm
State Farm and Geico offered the cheapest minimum-coverage car insurance quotes in Wyoming. The two auto insurers offered the lowest car insurance rates for a liability-only policy in Wyoming, averaging $256 per year, or $21 per month — or 38% cheaper than the state average.
The insurance companies in our analysis with the most expensive auto quotes in Wyoming were Farmers and Allstate.
These companies had an average annual quote of $449 and $680 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 $1,713 per year, or $143 per month, in savings.
Cheapest company for full coverage: State Farm
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. State Farm offered annual rates of $1,141 on average, or 46% less than the state average of $2,123.
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 record, 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:
Cheapest for drivers with an accident: State Farm
Wyoming drivers with an accident on their driving record may be able to find cheap full coverage car insurance quotes at State Farm and Geico.
The two insurance providers were the most affordable for a full coverage auto policy with a prior accident history, with State Farm offering average annual rates of $1,327 per year, or 52% cheaper than the Wyoming average of $2,754.
Just one accident and claim filing on your driving record can increase your car insurance quotes substantially.
The annual cost difference in Wyoming auto insurance quotes for a full coverage policy with no accident history versus a plan with one accident was $631, or $53 per month.
Average annual quote
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. However, Farmers Insurance customers would see the smallest percentage rate increase after a ticket — 5%. Geico customers face the largest price increase after speeding: 93% higher rates, or $119 per month.
Cheapest car insurance for drivers with a DUI: State Farm
Drivers in Wyoming pay, on average, 64% higher rates for full coverage auto insurance after getting a DUI. This equates to $1,350 per year. If you have a DUI or DWI on your driving record, State Farm offered the best quotes, at an average of $103 per month.
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 a low credit score, at $141 per month. Though Farmers had the least price variance based on credit — drivers with poor credit would only pay 20% more on average than those with very good 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 the average married drivers paying 3% less than an unmarried one. Single drivers would pay an average of $59 more per year; however, this price difference drops to $0 at State Farm and Farmers.
Cheapest car insurance for young drivers: State Farm
The average cost of car insurance for young drivers in Wyoming is $1,231 per year, or $103 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 $6,718 per year for young drivers in Wyoming, over three times higher than it is for others.
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.
Cheapest for young drivers with one accident: State Farm
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. On average, the most affordable car insurance quotes for young people who have been in an accident is State Farm, which offers prices 46% below average.
Cheapest for young drivers with one speeding ticket: State Farm
Similarly, a speeding ticket can significantly increase car insurance costs for younger drivers. In Wyoming, young drivers with a speeding ticket on their record pay 15% more on average for full coverage than those without any incidents.
Best auto insurance companies in Wyoming
For Wyoming residents, the lowest-cost car insurance company may not be the best for customer service quality. In fact, certain insurance companies are often a better fit for certain types of drivers — depending on your individual situation.
The best insurer in Wyoming is State Farm, based on its customer service and claim satisfaction ratings from our survey of customers, in addition to its low rates for most drivers.
However, if you're eligible for a discount from Allstate, this company received good ratings from car insurance customers as well. Geico customers had the lowest score with regards to claim experience.
Percent of respondents overall extremely satisfied with most recent claim
Percent of respondents who rated customer service as "excellent"
Overall rank takes both claim satisfaction and customer service rankings into account.
Complaint data from the National Association of Insurance Commissioners (NAIC), which we've used as a measure of customer satisfaction, tells a similar story.
Farmers, Allstate and State Farm, the best-rated insurers, all have a complaint index below 1, which means they received fewer complaints than typical based on their size. Geico's customer complaint rating is just slightly above the average.
NAIC Complaint Index
J.D. Power claims satisfaction score (Higher is better)
AM Best Financial Strength Rating
A complaint ratio measures the number of complaints each insurer receives relative to their market share of premiums underwritten and indicates the quality of an auto insurance company's customer service.
The lower the ratio, the fewer complaints a company received relative to its size, meaning that customers were less likely to complain.
Average car insurance cost in Wyoming by city
The average cost of a full coverage car insurance policy in Wyoming is $2,123 per year, or approximately $177 per month.
The cheapest Wyoming cities for full coverage car insurance are Sheridan, Big Horn and Ranchester. The average cost of a policy in these cities was $2,028 per year, or just 5% below the state mean.
The most expensive cities for auto insurance in Wyoming are Weston, Rozet and Recluse.
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: State Farm
- Full coverage: State Farm
- After an at-fault accident: State Farm
- After a speeding ticket: State Farm
- After a DUI: State Farm
- Poor credit history: Geico
- Very good credit history: Geico
- Married couples: State Farm
- Young drivers: State Farm
- Young drivers with one accident: State Farm
- Young drivers with speeding ticket: State Farm
We collected thousands of rates from ZIP codes across Wyoming for the largest 10 insurers. 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, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.
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.