The cheapest full coverage car insurance in Wyoming is $69 , saving you $77 compared to the average cost of insurance in the state, which is around $146 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Wyoming, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Wyoming should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- According to recent data, American National Finance offers the cheapest full coverage car insurance in Wyoming at $69 per month.
- Wyoming drivers with a clean driving record pay 43% less for car insurance than drivers with a DUI.
- In Wyoming, the city of Cheyenne has the most affordable car insurance rates at $1,676 annually.
- Comparing price quotes from multiple insurers can help you save up to 53% per year on your car insurance policy in Wyoming.
Which company offers the cheapest car insurance in Wyoming?
American National Finance offers the cheapest car insurance rates in Wyoming for a full coverage policy with an average premium of $69 per month or around $827 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Wyoming by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Wyoming per month
| Company | Full Coverage Monthly Rates |
|---|---|
| American National Finance | $69 |
| State Farm | $127 |
| Farmers | $135 |
| Geico | $209 |
| Allstate | $236 |
| USAA* | $103 |
Note: USAA is only available to military community members and their families.
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Who pays a lower insurance premium in Wyoming?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 7% less than single drivers.
- Wyoming drivers with clean records pay 43% less than drivers who have a DUI on their record.
- Wyoming drivers in their 20s pay 53% lower rates for insurance than a 16-year-old in Wyoming.
- Adding a teen to your policy will cost you 72% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 20% less on their insurance premiums.
- Drivers insured for three or more years can save up to 27% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 5% for this state more on their premiums.
Cheapest insurers for different coverage levels in Wyoming
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Geico is the cheapest for a state minimum policy.
- Geico has the cheapest rates for a liability-only policy (50/100/50).
- American National Finance offers the cheapest car insurance for a full coverage policy (100/300/100) in Wyoming.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Wyoming
Wyoming requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $20,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Wyoming, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| Geico | $174 |
| American National Finance | $177 |
| State Farm | $245 |
| Farmers | $359 |
| Allstate | $624 |
| USAA* | $164 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Wyoming
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
In the table below, see the average annual rates from Wyoming’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Geico | $203 |
| American National Finance | $221 |
| State Farm | $297 |
| Farmers | $419 |
| Allstate | $658 |
| USAA* | $190 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Wyoming
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The table below shows the average annual rates from major insurance providers in Wyoming, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| American National Finance | $827 |
| State Farm | $1,521 |
| Farmers | $1,623 |
| Geico | $2,514 |
| Allstate | $2,831 |
| USAA* | $1,230 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Wyoming by driving history
In Wyoming, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $666 more annually in Wyoming than an individual with a clean driving record.
Cheap car insurance rates after a speeding ticket in Wyoming
If you’ve got a speeding ticket on your Wyoming driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $1,522 , State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Wyoming.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,409 | $1,522 | 8% | $113 |
| Farmers | $1,658 | $1,760 | 6% | $102 |
| Allstate | $2,514 | $2,839 | 13% | $325 |
| Geico | $2,130 | $4,228 | 98% | $2,098 |
| USAA* | $1,102 | $1,248 | 13% | $146 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in Wyoming after a DUI conviction
State Farm offers the cheapest car insurance to Wyoming drivers with a DUI conviction at $1,522 per year and Allstate has the second-cheapest insurance premiums at $3,060 a year, based on recent data.
If you have a clean record, you are likely to pay 43% less for car insurance than someone with a DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,409 | $1,522 | 8% | $113 |
| Allstate | $2,514 | $3,060 | 22% | $546 |
| Farmers | $1,658 | $3,394 | 105% | $1,736 |
| Geico | $2,130 | $5,463 | 156% | $3,332 |
| USAA* | $1,102 | $1,996 | 81% | $894 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates in Wyoming after an at-fault accident
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,635 .
Farmers is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,964 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,409 | $1,635 | 16% | $227 |
| Farmers | $1,658 | $1,964 | 18% | $306 |
| Geico | $2,130 | $3,200 | 50% | $1,070 |
| Allstate | $2,514 | $3,396 | 35% | $882 |
| USAA* | $1,102 | $1,393 | 26% | $291 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Which cities in Wyoming have the lowest auto insurance rates?
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
Cheyenne is the city with the lowest premiums in Wyoming at an annual auto insurance rate of $1,676 .
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Wyoming cities with the lowest car insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Cheyenne | $1,676 |
| Big Horn | $1,702 |
| Ranchester | $1,702 |
| Sheridan | $1,702 |
| Wyarno | $1,702 |
| Banner | $1,709 |
| Story | $1,709 |
| Dayton | $1,709 |
| Parkman | $1,709 |
| Granite Canon | $1,712 |
Explore the top 10 factors that influence car insurance rates
Average savings on car insurance in Wyoming
If you compare car insurance quotes, you could enjoy an annual saving of around 53% on a full coverage policy in Wyoming.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Wyoming: Save on premiums
Wyoming drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Wyoming.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Air bags | 1% | $8 |
| Anti-theft device | 4% | $69 |
| Daily commute | 5% | $100 |
| Days advanced purchase | 17% | $546 |
| Days per week driven | 5% | $114 |
| Electronic funds transfer | 8% | $182 |
| Homeowner | 4% | $137 |
| Lower annual mileage | 4% | $72 |
| Loyalty – years renewal with company | 6% | $82 |
| Marital status | 7% | $145 |
| Multi policy | 8% | $168 |
| Paperless/electornic documents | 9% | $273 |
| Payment type | 11% | $357 |
| Primary use | 11% | $155 |
| Safety devices | 3% | $82 |
| Years insured | 26% | $589 |
| Years licensed | 18% | $526 |
Final thoughts on cheap car insurance in Wyoming
Our research shows that American National Finance has the cheapest full coverage car insurance rates in Wyoming for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Wyoming, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Wyoming for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/20.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Wyoming