Who Has the Cheapest Car Insurance Quotes in Wyoming?

Who Has the Cheapest Car Insurance Quotes in Wyoming?

Geico has some of the cheapest Wyoming car insurance rates, at $18 per month for a liability policy and $109 per month for full coverage.

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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.

Cheapest car insurance companies in Wyoming

Find Cheap Auto Insurance Quotes in Wyoming

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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.

Company
Annual rate
Monthly rate
Geico$222$18
State Farm$286$24
Farmers$460$38
Allstate$720$60

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.

Company
Annual rate
Monthly rate
State Farm$1,303$109
Geico$1,310$109
Farmers$1,992$166
Allstate$2,408$201

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:

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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.

Company
Annual rate
Monthly rate
State Farm$1,410$117
Farmers$2,093$174
Geico$2,523$210
Allstate$2,736$228

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.

Company
Annual rate
Monthly rate
State Farm$1,516$126
Geico$1,928$161
Farmers$2,295$191
Allstate$3,293$274

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.

Insurer
Annual cost
Monthly cost
Allstate$2,966$247
Geico$3,236$270
Farmers$3,702$309

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.

Company
Annual rate
Monthly rate
Geico$1,695$141
State Farm$1,990$166
Farmers$2,332$194
Allstate$3,385$282

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.

Company
Annual rate
Monthly rate
Geico$1,235$103
State Farm$1,303$109
Farmers$1,992$166
Allstate$2,302$192

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.

Company
Liability only
Full coverage
Geico$735$3,790
State Farm$913$4,131
Farmers$1,281$5,761
Allstate$2,175$8,248

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.

Company
Annual rate
Monthly rate
Geico$920$77
State Farm$1,017$85
Farmers$1,348$112
Allstate$2,511$209

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.

Company
Annual rate
Monthly rate
Geico$817$68
State Farm$1,119$93
Farmers$1,484$124
Allstate$2,532$211

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.

Company
Editor's rating
JD Power
AM Best
State Farm
844A++
Geico
821A++
Farmers
813A
Allstate
825A+

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.

City
Average annual cost
Percent from average
Afton$1,745-1%
Aladdin$1,8023%
Albin$1,7520%
Alcova$1,7671%
Alpine$1,744-1%
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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

Methodology

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:

Coverage type
Study 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.

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.