You can find the cheapest full-coverage car insurance in Wyoming for $69 a month from American National Finance. It saves you $77 compared to the state average car insurance cost of $146 monthly.
Shopping for car insurance in Wyoming can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
- American National Finance has the cheapest car insurance rates in Wyoming for full coverage at $69 a month among the companies analyzed by the team of CarInsurance.com.
- In Wyoming, drivers with clean driving records pay 43% less than drivers with a DUI.
- The city of Cheyenne has the lowest auto insurance rates in Wyoming, with an average premium of $1,676 per year.
- You can save up to 53% per year on your car insurance policy in Wyoming by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance 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 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 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.
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Wyoming drivers who pay lower insurance premiums
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
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.
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 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.
Below, you’ll see average annual rates for major insurance providers in Wyoming, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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
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 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 auto insurance in Wyoming by driving history
Your driving history impacts insurance premiums in Wyoming, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Wyoming, drivers with a history of traffic violation pay an average of $666 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
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 in Wyoming after a DUI conviction
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.
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 rates after an at-fault accident in Wyoming
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 .
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 |
|---|---|---|---|---|
| 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Which cities in Wyoming have 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 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 auto insurance in Wyoming?
Shopping around for car insurance quotes in Wyoming can help drivers save 53% annually on full coverage policies.
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 auto insurance in Wyoming
Based on our findings, American National Finance provides the cheapest rates for a full coverage policy in Wyoming if you have 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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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Wyoming