Drivers typically see an increase in car insurance rates starting at age 65, according to CarInsurance.com data. The Centers for Disease Control and Prevention reports that older drivers have higher fatal crash rates than those aged 35 to 54.

Even though rates may rise, seniors can still find good car insurance deals. Our guide will help find the most affordable rates for senior drivers in Wyoming and suggest other ways to save on your auto insurance premiums.

Carinsurance.com Insights
  • The average cost of car insurance for a 65-year-old driver in Wyoming is $1,696 per year for a full coverage policy.
  • According to CarInsurance.com’s research, a 70-year-old driver in Wyoming pays 2% more for full coverage than more for full coverage than a 65-year-old driver.
  • Finding the cheapest car insurance for seniors over 70 becomes more important as rates increases significantly. For instance, a 75-year-old driver in Wyoming pays 4% more more a full coverage policy than a 65-year-old driver.
  • Reviewing and comparing car insurance quotes every six months or at renewal can help you find the most affordable rates.

Cheapest car insurance companies for seniors in Wyoming

Find the cheapest full coverage car insurance rates in Wyoming for drivers of different ages below.

  • Overall cheapest car insurance for seniors over 60: American National, $73 per month.
  • Cheapest for seniors at age 65: American National, $67 per month.
  • Cheapest for seniors at age 70: American National, $72 per month.
  • Cheapest for seniors at age 75: American National, $80 per month.

Compare cheap car insurance quotes for senior drivers in Wyoming

Below, find the cheapest car insurance rates in Wyoming from major insurers for three coverage levels: state minimum, liability-only with limits of 50/100/50 and full coverage with 100/300/100 limits.

Rates by companies for seniors in Wyoming

Select your age and type of coverage below to see the average annual and monthly rates.

Results for age 60 and the following coverage level: full coverage
Company NameAvg. Annual PremiumAvg. Monthly Premium
 
Coverage types:
  • Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
  • Liability only: 50/100/50 liability only
  • State minimum: State minimum coverage

State minimum car insurance refers to the least amount of coverage that a driver is legally required to have in a particular state. This typically includes liability insurance, which covers bodily injury and property damage to others if you are at fault in an accident. Each state sets its own minimum requirements for coverage limits.

Liability car insurance with limits of 50/100/50 means:

  • $50,000 per person for bodily injury
  • $100,000 per accident for bodily injury per accident
  • $50,000 per accident for property damage

A liability policy covers expenses for injuries and damages you cause to others in an accident, but not your own injuries or vehicle damage.

Full coverage insurance with limits of 100/300/100 includes higher liability limits:

  • $100,000 per person for bodily injury
  • $300,000 per accident for bodily injury to multiple people
  • $100,000 per accident for property damage

It also typically includes:

Full coverage ensures you are covered for a wide range of incidents, both for your liability to others and for your own vehicle’s damage.

Why do car insurance rates increase for senior drivers in Wyoming?

Insurance rates for older drivers tend to increase due to several factors. Statistics suggest that seniors are more likely to be involved in accidents compared to younger drivers, excluding teen drivers, according to the Insurance Institute for Highway Safety.

Despite decades of driving experience, older drivers face age-related problems like hearing or vision loss, slower reflexes, side effects from medication and other health concerns that make driving more challenging.

The CDC found that drivers older than 70 have higher crash death rates per 1,000 crashes than drivers aged 35-54 and NHTSA statistics show that senior drivers 65 and older were involved in 13% of fatal accidents in 2020, which is up 26% from 2011.

In addition, older drivers are more likely to need medical treatment even after a minor accident, and steep hospital expenses contribute to an overall increase in insurance rates.

“Unfortunately, as we move past middle age, the odds of being more severely injured or dying in a car crash increase significantly,” says Carole Walker, executive director at Rocky Mountain Insurance Association.

“Statistically, older drivers have a higher risk of causing a crash, but an even bigger factor adding to higher car insurance bills are common health problems that make them more prone to being hurt and incurring medical bills – even in low-speed or less serious crashes,” she says.

All of this leads to higher car insurance rates. Car insurance premiums go up for most senior drivers in their mid-60s, according to CarInsurance.com data analysis, and then continue to climb. The average car insurance cost for a 65-year-old driver in Wyoming is $1,696 for a full coverage policy. Drivers age 70 pay $1,745 for the same coverage.

CarInsurance.com found that 70-year-old drivers pay 2% more for full coverage than 65-year-old drivers in Wyoming, and 75-year-old drivers pay 4% more for a full coverage policy.

The table below shows the annual average rate increase for senior drivers by age in Wyoming for different coverage levels:

Chart
Table
AgeState minimumLiability onlyFull coverage
65$283$327$1,696
70$295$339$1,745
75$350$397$1,795

Coverage types:

  • Full coverage: 100/300/100 liability with $500 comp/coll deductible
  • Liability only: 50/100/50 liability only
  • State minimum: State minimum coverage only

Find out how much insurance costs for seniors

Cheapest car insurance for seniors with tickets in Wyoming

A speeding ticket or other moving violation will increase your insurance premiums regardless of age. Insurers value statistics, and the data show that drivers who have tickets are more likely to be involved in accidents that might lead to claims.

The rate increase will vary by insurance company, but Wyoming drivers can expect a 40% rise in their premiums after receiving a speeding ticket for going 1-29 mph over the limit.

If you are a senior with a speeding ticket or other minor moving violation on your record, expect to pay more for coverage. When we ran the numbers, these were the best insurance companies for seniors with tickets on their records.

CompanyAnnual rates with 1 speeding ticketMonthly rates with 1 speeding ticket
American National$1,171$98
State Farm$1,436$120
Farmers$2,184$182
Allstate$3,119$260
GEICO$5,163$430
USAA*$1,203$100

Cheapest car insurance for seniors with DUIs in Wyoming

A DUI is a major offense, and your insurance rates will rise significantly once it shows on your driving record. In most instances, your premium will double with a DUI. According to CarInsurance.com, in some states, rates can increase by 88% after the first DUI and up to 206% after a second.

Getting affordable coverage (or any coverage) becomes challenging after a DUI, but our data show these are some affordable insurers for seniors with a DUI in Wyoming:

CompanyAnnual rates with DUI first offenseMonthly rates with DUI first offense
State Farm$1,436$120
American National$1,544$129
Allstate$3,386$282
Farmers$3,527$294
GEICO$6,621$552
USAA*$1,929$161

Cheapest car insurance for seniors after an accident in Wyoming

Much like a ticket or DUI, having an accident on your driving record will raise your insurance rates. While the increase varies by insurer, our data show that drivers can expect their premium to jump by 40% after one at-fault accident with property damage exceeding $2,000.

The increase will generally be in effect for three to five years, so it’s essential to seek the most affordable insurance provider. Below, these insurers offer the cheapest car insurance rates for seniors after an accident in Wyoming.

CompanyAnnual rates with 1 at-fault accidentMonthly rates with 1 at-fault accident
American National$1,362$114
State Farm$1,543$129
Farmers$2,203$184
Allstate$3,745$312
GEICO$3,948$329
USAA*$1,383$115

How can seniors save on car insurance in Wyoming?

Auto insurance for seniors can be costly, but there are several ways to save. Here are some simple ways to lower your premiums:

  • Shop around: Regularly comparing car insurance rates – every six months or annually when it’s time to renew – can help you secure the best deal.
  • Raise your deductible: Raising your deductible from $500 to $1,000 can save you money each month, but ensure you have the funds available to cover the higher deductible if needed.
  • Ask about discounts Bundling with homeowners insurance, loyalty discounts and discounts for years of being licensed are great ways to save on car insurance. Find more details on discounts below. 

Tip iconEditor’s Tip:

Take a senior driving course: With an approved defensive driving course, seniors can save up to 8% on their car insurance in Wyoming. The American Automobile Association(AAA) and AARP offer defensive driving courses for senior drivers in Wyoming.

Car insurance discounts for senior drivers in Wyoming

Here are some car insurance discounts to help seniors lower their insurance costs.

Discount typePotential annual savings
Air bags1%
Anti-theft device4%
Daily commute4%
Days advanced purchase17%
Days per week driven4%
Defensive driver8%
Electronic funds transfer8%
Homeowner4%
Lower annual mileage6%
Loyalty – years renewal with company6%
Marital status4%
Multi policy8%
Paperless/electronic documents9%
Payment type11%
Primary use12%
Safety devices3%
Years insured26%
Years licensed18%

Choosing the cheapest and best car insurance for seniors in Wyoming

Senior drivers pay higher premiums than young adult drivers (excluding teens, of course). To find an affordable policy, assess your needs and determine the right amount of coverage.

When comparing insurance options, consider the cost, customer service and discounts offered. Search for the best auto insurance companies with affordable rates and user-friendly websites or apps.

FAQ: Cheap car insurance for seniors in Wyoming

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Who has the cheapest state minimum auto insurance for seniors in Wyoming?

According to our data, GEICO offers the cheapest state minimum auto insurance for seniors in Wyoming at about $190 a year, on average. American National and State Farm also scored high when it comes to cheap state minimum insurance coverage for seniors in Wyoming.

Which companies offer the cheapest liability car insurance for seniors in Wyoming?

GEICO has the cheapest liability car insurance coverage for senior drivers in Wyoming at an average annual premium of $224. American National and State Farm also offer cheap liability insurance rates to seniors in Wyoming, based on CarInsurance.com data analysis.

Does State Farm offer a senior discount in Wyoming?

State Farm does not currently offer a senior discount in Wyoming, but it does offer quite a few deals that seniors can use to lower their premiums. This includes discounts for taking a defensive driving course, a safe driving discount, long-term customer, bundling and discounts for advanced safety features on your vehicle.

Bottom line

A CarInsurance.com analysis found that American National provides the cheapest full-coverage car insurance quotes for senior drivers in Wyoming.

Shopping around and comparing online rates from different insurers can help seniors find the best car insurance deals. Additionally, senior drivers might qualify for discounts by taking defensive driving courses or bundling their car insurance with another policy.

Check out how to shop for car insurance for seniors

Resources & Methodology

Additional Resources

There are several resources available for older drivers who want to stay safe behind the wheel and save on their insurance premiums:

  1. American Automobile Association: AAA helps senior drivers to continue driving for as long and safely as possible.
  2. AARP (American Association of Retired Persons): AARP’s smart driver program helps senior drivers to learn proven driving techniques and save money on car insurance.
  3. National Institute on Aging: The NIA provides tips to senior drivers about health and driving and offers free publications to aging seniors to answer health-related queries.
  4. Fitness-to-Drive Screening Measure Online: This web-based tool helps family members identify at-risk drivers.
  5. Eldercare Locator: Helps senior drivers maintain their independence, and provides information about highway safety for aging drivers and services.

Sources:

  1. Centers for Disease Control & Prevention. “Older Adult Drivers.” Accessed July 2025.
  2. Insurance Institute for Highway Safety. “Fatality Facts 2021 Older People.” Accessed July 2025.
  3. National Safety Council. “Motor Vehicle: Age Group Comparisons.” Accessed July 2025.
  4. National Highway Traffic Safety Administration “U.S. Department of Transportation’s Fatality Analysis Reporting System (FARS).” Accessed July 2025.

Behind the rates: How we analyzed cheapest costs for seniors in Wyoming

CarInsurance.com gathered car insurance rates for senior drivers from Quadrant Information Services. The rates are for a full coverage policy with limits 100/300/100 and a $500 comprehensive and collision deductible based on sample profiles of 65, 70 & 75 year old male and female drivers with clean driving records. We have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 170 national and regional car insurance companies.

To determine car insurance rates for senior drivers with a history of traffic violations, CarInsurance.com used a sample profile of a 65-year-old driver who owns a Honda Accord LX. We have compared 50,73,544 insurance quotes from 138 companies across 1,468 ZIP codes.

Car insurance rates are calculated by evaluating the sample profile of a 65-year-old male and female driver with the following incidents applied

  • One at-fault property damage accident over $2K
  • One at-fault property damage accident under $2K
  • At-fault bodily injury accidents
  • DUI/DWI first offense.
  • Speeding ticket (1-10 MPH over the limit,11-29 MPH over the limit & 30+ over limit)

These are sample rates and should only be used for comparison purposes.

Note: USAA is only available to military community members and their families.

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Meet our editorial team
author-img Shivani Gite Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network. Laura completed the pre-licensing course in Personal Lines Property & Casualty Insurance in Nevada.