- According to recent data, American National offers the cheapest full coverage car insurance in Wyoming at $106 per month.
- Wyoming drivers with a clean driving record pay 81% less for car insurance than drivers with a DUI.
- In Wyoming, the city of Cheyenne has the most affordable car insurance rates at $1,947 annually.
- Comparing price quotes from multiple insurers can help you save up to 38% per year on your car insurance policy in Wyoming.
The cheapest car insurance in Wyoming costs $106 per month for a full coverage policy from American National. That’s a $66 savings from the average cost of insurance in the state, which is $172 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 in Wyoming?
American National offers the cheapest car insurance rates in Wyoming for a full coverage policy with an average premium of $106 per month or around $1,271 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 | $106 |
| Farmers | $134 |
| State Farm | $137 |
| Allstate | $265 |
| GEICO | $268 |
| USAA* | $120 |
Who pays a lower insurance premium in Wyoming?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 5% less than single drivers.
- Wyoming drivers with clean records pay 81% less than drivers who have a DUI on their records.
- Wyoming drivers in their 20s pay 42% lower rates for insurance than a 16-year-old in Wyoming.
- Adding a teen to your policy will cost you 52% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 25% less on their insurance premiums.
- Drivers insured for three or more years can save up to 24% 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
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
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.
- American National has the cheapest rates for a liability-only policy (50/100/50).
- American National 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
In Wyoming, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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
The following table lists Wyoming’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| American National | $226 |
| GEICO | $225 |
| State Farm | $277 |
| Farmers | $399 |
| Allstate | $672 |
| USAA* | $233 |
Cheapest Wyoming insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, 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 |
|---|---|
| American National | $245 |
| GEICO | $249 |
| State Farm | $315 |
| Farmers | $439 |
| Allstate | $700 |
| USAA* | $257 |
Cheapest full coverage car insurance in Wyoming
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from 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 following table lists the average annual rates of major insurance companies in Wyoming from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| Company | Full coverage annual rates |
|---|---|
| American National | $1,271 |
| Farmers | $1,607 |
| State Farm | $1,642 |
| Allstate | $3,184 |
| GEICO | $3,222 |
| USAA* | $1,439 |
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 $908 more annually than drivers with clean records.
Cheap car insurance rates in Wyoming after a speeding ticket
A speeding ticket can impact your Wyoming car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Farmers has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,706 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Farmers | $1,607 | $1,706 | 6% | $99 |
| State Farm | $1,642 | $1,786 | 9% | $144 |
| American National | $1,271 | $1,870 | 47% | $599 |
| Allstate | $3,184 | $3,648 | 15% | $464 |
| GEICO | $3,222 | $6,400 | 99% | $3,178 |
| USAA* | $1,439 | $1,631 | 13% | $192 |
Cheapest car insurance in Wyoming after a DUI conviction
State Farm offers the cheapest car insurance to Wyoming drivers with a DUI conviction at $1,786 per year and American National has the second-cheapest insurance premiums at $2,475 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 81% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $1,642 | $1,786 | 9% | $144 |
| American National | $1,271 | $2,475 | 95% | $1,204 |
| Farmers | $1,607 | $3,299 | 105% | $1,692 |
| Allstate | $3,184 | $3,955 | 24% | $771 |
| GEICO | $3,222 | $8,270 | 157% | $5,048 |
| USAA* | $1,439 | $2,632 | 83% | $1,193 |
Cheap car insurance rates in Wyoming after an at-fault accident
If you’re a driver with an at-fault accident on your record, Farmers is the cheapest option, offering car insurance at an average cost of $1,906 annually.
State Farm is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,929 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Farmers | $1,607 | $1,906 | 19% | $299 |
| State Farm | $1,642 | $1,929 | 18% | $287 |
| American National | $1,271 | $2,178 | 71% | $907 |
| Allstate | $3,184 | $4,378 | 38% | $1,194 |
| GEICO | $3,222 | $4,842 | 50% | $1,620 |
| USAA* | $1,439 | $1,834 | 27% | $395 |
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Wyoming
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.
In Wyoming, Cheyenne stands out as the city with the lowest auto insurance rates, at an average of $1,947 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Wyoming with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Cheyenne | $1,947 |
| Sheridan | $1,992 |
| Casper | $2,003 |
| Evanston | $2,061 |
| Green River | $2,061 |
| Rock Springs | $2,066 |
| Riverton | $2,070 |
| Laramie | $2,074 |
| Gillette | $2,099 |
| Jackson | $2,130 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in Wyoming?
By comparing car insurance quotes, you can save an average of 38% 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 | 4% | $84 |
| Anti-Theft Device | 3% | $55 |
| Comp and Coll Deductibles | 26% | $544 |
| Daily Commute | 5% | $111 |
| Days Advanced Purchase | 18% | $365 |
| Days Per Week Driven | 5% | $112 |
| Electronic Funds Transfer | 7% | $152 |
| Homeowner | 4% | $91 |
| Lower Annual Mileage | 4% | $77 |
| Loyalty – Years Renewal With Company | 13% | $275 |
| Marital Status | 5% | $113 |
| Multi Policy | 8% | $156 |
| Paperless/Electornic Documents | 9% | $182 |
| Payment Type | 12% | $237 |
| Primary Use | 10% | $204 |
| Safety Devices | 4% | $81 |
| Student Away At School | 28% | $580 |
| Years Insured | 25% | $510 |
| Years Licensed | 24% | $494 |
The bottom line on cheap auto insurance in Wyoming
Based on our findings, American National provides the cheapest rates for a full coverage policy in Wyoming if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Wyoming, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates 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.
*USAA is only available to military community members and their families.
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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