In a Nutshell
The cost of car insurance for Wyoming drivers depends on individual circumstances like your credit, vehicle type and driving history. We compared estimated rates or several different driver profiles to find some of the lowest-cost insurers for basic coverage in the Equality State.Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
History buffs and outdoor enthusiasts (hello, Yellowstone!) know there’s plenty of opportunity for adventure in Wyoming. But when you hit the road, are you confident you’re getting the best value for your car insurance?
We looked at estimated car insurance rates from insurance companies across Wyoming to calculate the average cost and find out which insurers offer the cheapest basic-coverage rates for a number of driver needs and profiles.
To make the fairest comparisons between companies, we based our calculations on a relatively neutral driver profile — someone with no tickets, accidents or claims, for example (see our full methodology). Your rates may differ depending on your driving history, as well as other factors that affect car insurance like your age, vehicle type, mileage and coverage selection.
Read on to learn about Wyoming’s average car insurance rates and our findings for the cheapest options for minimum coverage.
- Cost of car insurance in Wyoming
- 5 cheapest car insurance companies in Wyoming
- Cheapest state-minimum car insurance in Wyoming
- Cheapest car insurance for good credit in Wyoming
- Cheapest car insurance for poor credit in Wyoming
- Cheapest car insurance for drivers with multiple claims in Wyoming
- Cheapest car insurance for young drivers in Wyoming
- Wyoming auto insurance requirements
- Is usage-based insurance available in Wyoming?
- FAQs about the cheapest car insurance rates in Wyoming
- Methodology
Cost of car insurance in Wyoming
Average monthly premiums for car insurance in Wyoming range from just over $30 up to around $57 for basic coverage, depending on the type of coverage and driver profile.
Average monthly auto insurance premiums in Wyoming
| Driver or coverage | Avg. monthly cost |
|---|---|
| State-minimum car insurance in Wyoming | $30.19 |
| Drivers with poor credit in Wyoming | $45.71 |
| Drivers with multiple claims in Wyoming | $55.73 |
| Young drivers in Wyoming | $56.63 |
5 cheapest car insurance companies in Wyoming
We calculated these rates based on a specific driver profile, as detailed in our methodology, to get a baseline comparison.
Unless otherwise noted, our Wyoming driver is between 36 and 45 years old, has a credit score between 680 and 719, drives a car worth between $20,000 and $30,000 and has no tickets or coverage gaps. Not you? Read on: We also looked for the cheapest car insurance companies for drivers with different credit scores, ages and coverage options.
1. American National P&C
American National P&C offers car insurance through a network of local agents. Standout additional coverage options include roadside assistance, gap insurance and replacement parts coverage. Plus, customers involved in an accident with other cars insured by American National P&C can get discounted deductibles.
2. Geico
Geico offers a wide range of coverage options and many opportunities to save money for safe driving habits, safety equipment and customer loyalty. Its mobile app allows users to manage their policies, pay bills, request roadside assistance and more. Read reviews of Geico to learn more.
3. USAA
USAA is available to military members and their families. USAA auto insurance is available nationwide with various discount opportunities, including unique savings for deployed military members. The USAA app allows members to manage their policy from their mobile devices. USAA offers standard and optional coverage options. Read reviews of USAA to learn more.
4. State Farm
State Farm is one of the largest auto insurers in the U.S., with thousands of local agents nationwide. In addition to standard auto insurance coverages like liability, comprehensive and collision, State Farm offers optional coverages, such as emergency roadside service and rideshare insurance. State Farm offers numerous discounts, including discounts for safe driving and bundling. Read reviews of State Farm to learn more.
5. Farmers
Farmers auto insurance is available in most states and has tens of thousands of independent agents across America. The company offers a wide range of insurance products, including car, home, life, business and pet. With Farmers, you can insure many types of vehicles, including motorcycles, boats and RVs, and the company offers many ways to save on your policy with discounts for getting good grades, driving safely, installing anti-theft devices and more. Read reviews of Farmers to learn more.
Cheapest state-minimum car insurance in Wyoming
Most states require drivers to carry a mandatory minimum amount of bodily injury and property damage insurance. Wyoming requires 25/50/20 insurance, which is likely the cheapest coverage option you will find at most insurers.
The following five companies may offer the cheapest basic-coverage car insurance for Wyoming drivers looking for state-minimum coverage only.
5 cheapest car insurance companies in Wyoming for state-minimum coverage
| 1 | American National P&C | $17.58/month |
| 2 | Geico | $17.83/month |
| 3 | USAA | $18.04/month |
| 4 | State Farm | $25.92/month |
| 5 | Farmers | $37.58/month |
Cheapest car insurance for good credit in Wyoming
Your credit is one piece of the puzzle when it comes to the cost of car insurance. Most drivers with good credit pay less for their car insurance than drivers with poor credit.
These companies have the lowest estimated rates for minimum coverage for drivers considered to have good credit.
5 cheapest car insurance companies in Wyoming for those with good credit
| 1 | USAA | $13.97/month |
| 2 | American National P&C | $15/month |
| 3 | Geico | $15.36/month |
| 4 | State Farm | $21.86/month |
| 5 | Farmers | $35.03/month |
Cheapest car insurance for poor credit in Wyoming
Unfortunately, that also means drivers with less-than-perfect credit could find their car insurance premiums are higher. Luckily, there are other ways to help lower your premium, like by keeping a safe driving record.
Drivers with poor credit may find the cheapest insurance policies for basic insurance with these five insurers.
5 cheapest car insurance companies in Wyoming for those with poor credit
| 1 | American National P&C | $22.75/month |
| 2 | Geico | $23/month |
| 3 | USAA | $40.54/month |
| 4 | State Farm | $41.56/month |
| 5 | Farmers | $46.42/month |
Cheapest car insurance for drivers with multiple claims in Wyoming
Your rates could be higher if you have multiple insurance claims in your driving history.
The following companies have the lowest estimated rates for minimum coverage for drivers with multiple claims by insurance companies.
5 cheapest car insurance companies in Wyoming for multiple claims
| 1 | USAA | $33.38/month |
| 2 | Geico | $35.42/month |
| 3 | American National P&C | $37.17/month |
| 4 | State Farm | $42.88/month |
| 5 | Farmers | $77.17/month |
Cheapest car insurance for young drivers in Wyoming
Many insurers believe younger drivers are riskier to insure than older drivers. That means younger drivers, or other drivers who don’t have a robust driving history, may have more expensive policies.
The following companies have the lowest estimated basic-coverage rates for young drivers between the ages of 18 and 21.
5 cheapest car insurance companies in Wyoming for young drivers
| 1 | Geico | $31.92/month |
| 2 | USAA | $34.63/month |
| 3 | American National P&C | $42.42/month |
| 4 | State Farm | $48.96/month |
| 5 | Allstate | $75.06/month |
Wyoming auto insurance requirements
In Wyoming, the state minimum is $25,000 per person and $50,000 per accident of bodily injury liability and $20,000 of property damage insurance. If you have a car loan or lease, your coverage responsibilities may be more extensive.
Is usage-based insurance available in Wyoming
Usage-based insurance is vehicle insurance that allows customers to pay premiums based on their driving behavior. In Wyoming, drivers may save money on their car insurance by participating in their insurers’ UBI programs.
FAQs about the cheapest car insurance rates in Wyoming
No, Wyoming is not considered a no-fault state.
The state of Wyoming requires drivers to carry at least $25,000 per person and $50,000 per accident of bodily injury liability, and $20,000 of property damage insurance. If you have a car loan or lease, your coverage responsibilities may be more extensive.
Methodology
This article’s estimated rates are the lowest for minimum coverage based on the profile of a driver aged 36 to 45 living in Wyoming. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 or higher. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those aged 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on various factors, such as age, vehicle driving habits and history.
The average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes a Wyoming-mandated 25/50/20 insurance policy.