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.
- 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.
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.
Wyoming drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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 companies for state minimum coverage in Wyoming
Wyoming requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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 are the average annual rates from major insurance companies in Wyoming, ranked from cheapest to the most expensive for the 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 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 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
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 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, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,522 a 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.
Cheap car insurance rates after a DUI conviction in Wyoming
CarInsurance.com analyzed insurance rates for Wyoming drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,522. Allstate is the second-cheapest insurer at an average of $3,060 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 43% less than drivers with a DUI on their record.
| 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
Wyoming cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Cheyenne is the city with the lowest premiums in Wyoming at an annual auto insurance rate of $1,676.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Find below a list of Wyoming cities with the lowest 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 |
Explore the top 10 factors that influence 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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