- 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.
The cheapest car insurance in Wyoming costs $69 per month for a full coverage policy from American National Finance. That’s a $77 savings from the average cost of insurance in the state, which is $146 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Wyoming including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
Which company offers the cheapest car insurance rates in Wyoming?
Based on data analysis by CarInsurance.com, American National Finance provides the cheapest full coverage auto insurance rates for Wyoming drivers at a monthly rate of $69 or $827 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Wyoming.
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.
Who pays the lowest auto insurance premiums 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 companies for different coverage levels in Wyoming
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of 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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest state minimum coverage in Wyoming
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Wyoming, you must have at least the following insurance coverage on your car.
| 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, you’ll see average annual rates for major insurance providers in Wyoming, ranked from cheapest to most expensive for 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 insurance providers for liability-only coverage in Wyoming
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Wyoming, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates 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 car insurance companies in Wyoming for full coverage
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.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Wyoming based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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
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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.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Wyoming, drivers with a history of such violations typically pay $666 more annually than drivers with clean records.
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 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.
Drivers with clean driving records can expect to pay an average of 43% less than those with a history of 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 companies in Wyoming after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $1,635 a year.
On the other hand, Farmers offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,964.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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.
Check out the most affordable insurance options in your neighboring state
Which cities in Wyoming have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Wyoming is Cheyenne, at $1,676 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Wyoming with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on car insurance in Wyoming?
By comparing car insurance quotes, you can save an average of 53% per year for 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
In Wyoming, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Wyoming below.
| 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 |
The bottom line on cheap car insurance in Wyoming
Based on our research, if you are a good driver, American National Finance is the cheapest in Wyoming for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Wyoming is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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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