For drivers, car insurance rates start to increase around age 65, according to CarInsurance.com data. That’s not surprising. Older drivers have higher crash deaths than drivers between the ages of 35 and 54, according to the Centers for Disease Control and Prevention. CDC data also shows that 20 older adults are killed every day in car crashes.

However, seniors in Wyoming can still find affordable car insurance. Our guide provides tips on securing the cheapest rates for seniors in Wyoming and helps save on auto insurance premiums.

Key Highlights
  • A 65-year-old driver in Wyoming pays an average of $1,696 annually for full coverage car insurance.
  • In Wyoming, a 70-year-old driver’s car insurance rates are 2% more for full coverage than for a 65-year-old driver.
  • Compared to a 65-year-old driver, a 75-year-old driver in Wyoming pays 4% more a full-coverage car insurance.
  • To get the best car insurance rates in Wyoming, shop for quotes every six months or when your policy is up for renewal.

Cheapest car insurance companies for seniors in Wyoming

Here are the most affordable full coverage car insurance rates in Wyoming for drivers of different ages:

  • Cheapest for seniors, overall: 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

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

Full coverage 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.

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

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

As drivers age, car insurance typically becomes more expensive. This is largely because statistics reveal that seniors, on average, are more involved in accidents than younger drivers, excluding teenagers, according to the Insurance Institute for Highway Safety.

Although older drivers typically have many years of experience on the road, they often face age-related challenges such as hearing or vision loss, slower reflexes, medication side effects and other health issues that can complicate driving.

The CDC reports that drivers older than 70 have a higher rate of crash fatalities per 1,000 crashes than those aged 35-54. NHTSA statistics reveal that in 2020, senior drivers 65 and older were involved in 13% of fatal accidents, up by 26% since 2011.

In addition, seniors are more likely to require medical care, even after a less severe accident, and expensive hospital bills will increase the insurance cost.

“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.

According to an analysis by CarInsurance.com, rates start to climb for most senior drivers in their mid-60s and continue to increase from then on.

In Wyoming, the average cost for a full coverage policy is $1,696 for a 65-year-old and $1,745 for a 70-year-old.

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.

Seniors with a speeding ticket or minor moving violation should expect to pay more for coverage. According to our analysis, the best insurance companies for seniors with tickets are mentioned below.

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 serious driving violation; your insurance rates will soar once it hits your driving record. In most cases, your insurance premium will double if you have a DUI. According to CarInsurance.com in some states, the increase can be as much as 88% after your first DUI. If you manage to rack up a second DUI, the increase could be as much as 206%.

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

Similar to a ticket or DUI, an accident on your record will lead to higher insurance rates. Although the exact increase depends on the insurer, data show drivers can expect a 40% hike in premiums after an at-fault accident with property damage over $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?

While auto insurance for seniors can be costly, there are ways to save. Here are some simple steps to lower your premiums:

  • Shop around: Comparing car insurance quotes every six months or annually around renewal time can help you find the best deal.
  • Raise your deductible: By increasing your deductible from $500 to $1,000, you can reduce your monthly premiums. However, make sure you have enough savings to cover the higher deductible.
  • Ask about discounts: Discounts, such as bundling with homeowners insurance, loyalty discounts and years of being licensed, are excellent ways to reduce your car insurance costs. Learn more about 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

Collapse allExpand all

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

Based on our data, $190 offers the lowest state minimum auto insurance rates for seniors in Wyoming, at $190 yearly. American National and State Farm also provide affordable rates on state minimum coverage for seniors in Wyoming.

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

According to CarInsurance.com, Geico offers the cheapest liability car insurance for seniors in Wyoming at $224 per year. American National and State Farm also offer inexpensive rates.

Does State Farm offer a senior discount in Wyoming?

State Farm doesn’t offer a specific senior discount in Wyoming, but it provides several discounts that seniors can use to reduce their insurance rates. These include discounts for completing a defensive driving course, safe driving, being a long-term customer, bundling policies and vehicle advanced safety features.

Bottom line

American National is the cheapest for senior drivers in Wyoming. To find the best car insurance rates, seniors should shop around and compare quotes online from various insurers. They can also qualify for discounts by taking defensive driving courses or bundling their car insurance with other types of coverage.

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

Methodology

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.

Still have a question? Ask our experts

Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.

Authors Browse all FAQs
Please enter a valid input Min 50 to max 250 characters are allowed. Only (& ? , .) charcters are allowed.
All information provided will remain confidential.
Please enter a valid input
Browse all FAQ’s >>
Error: Security check failed
Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered. You are a bot!
Ask another question
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.