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.
- Among the companies analyzed by CarInsurance.com, American National Finance stands out as the cheapest option for full coverage car insurance in Wyoming, with an insurance premium of $69 per month.
- Drivers in Wyoming with a clean record pay 43% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Wyoming is Cheyenne, with an annual premium of $1,676.
- Wyoming drivers can save up to 53% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Car insurance companies with cheap car insurance in Wyoming
American National Finance has the cheapest full coverage car insurance in Wyoming, at an average premium of $69 per month or around $827 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Wyoming. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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 Wyoming companies for different coverage levels
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.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you 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 full coverage in Wyoming
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
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
Your driving history affects how much you pay for insurance in Wyoming because insurance companies use it to assess the risk associated with insuring a driver.
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 in Wyoming after a speeding ticket
If you have a speeding ticket on your Wyoming driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,522 per year.
| 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
Wyoming drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,522 a year, followed by Allstate with an annual premium of $3,060 annually, 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 after an at-fault accident in Wyoming
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.
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 $1,676 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 | $1,676 |
| 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 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on auto insurance in Wyoming?
Shopping around for car insurance quotes in Wyoming can help drivers save 53% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good 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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