State Farm ranks as the best car insurance company in Wyoming, earning a MoneyGeek score of 4.68 out of 5 for its strong customer service and competitive rates. While State Farm leads overall, the right provider varies based on your specific needs, so consider GEICO, Farmers, American National and Allstate as strong alternatives.
Best Car Insurance in Wyoming
Updated: January 25, 2026
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Wyoming is State Farm, standing out with the highest customer satisfaction score in the state.
GEICO offers the best insurance for Wyoming drivers with bad credit, while American National provides the most affordable coverage for low-income drivers in the state.
To find the best car insurance rates in Wyoming, decide what coverage you need first, research provider options and compare plenty of quotes before making your choice.
Best Car Insurance Companies in Wyoming
| State Farm | 4.68 | $48 | 1 | 3 |
| Geico | 4.5 | $48 | 2 | 3 |
| Farmers | 4.25 | $55 | 4 | 1 |
| American National | 4.25 | $46 | 5 | 3 |
| Allstate | 3.6 | $92 | 3 | 2 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Wyoming by Driver Profile
State Farm leads Wyoming auto insurance rates in seven out of ten categories, including coverage for young, adult and senior drivers. GEICO offers the best rates for drivers with bad credit and older cars, while American National tops the low-income category.
| Young Drivers | State Farm | 3 | 1 | 3 |
| Adult Drivers | State Farm | 2 | 1 | 3 |
| Senior Drivers | State Farm | 1 | 1 | 3 |
| Drivers With an Accident | State Farm | 1 | 1 | 3 |
| Drivers With a DUI | State Farm | 1 | 1 | 3 |
| Drivers With a Speeding Ticket | State Farm | 1 | 1 | 3 |
| Drivers With Bad Credit | GEICO | 2 | 2 | 3 |
| Drivers With Low Income | American National | 1 | 5 | 3 |
| Drivers With Newer Cars | State Farm | 3 | 1 | 3 |
| Drivers With Old Cars | GEICO | 1 | 2 | 3 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Wyoming Car Insurance Recommendations
These recommendations work for most Wyoming drivers, but your situation is unique. Review our top five providers to find coverage that fits your needs.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Farmers | 0.20 | $98 | 4 | 1 |
| State Farm | 0.18 | $83 | 1 | 3 |
| American National | 0.16 | $93 | 5 | 3 |
| Geico | 0.15 | $111 | 2 | 3 |
| Allstate | 0.13 | $160 | 3 | 2 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Wyoming Car Insurance Reviews
See detailed service comparisons for our top-rated insurance companies below.
State Farm
Best Customer Experience in Wyoming
MoneyGeek Rating
4.7/ 5
4.9/5Affordability
5/5Customer Experience
2.5/5Coverage Points
Average Monthly Full Coverage Cost
$76For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$21For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Drive Safe & Save Program
GEICO
Second Best Overall in Wyoming
MoneyGeek Rating
4.5/ 5
4.9/5Affordability
4.4/5Customer Experience
2.5/5Coverage Points
Average Monthly Full Coverage Cost
$82For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$15For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Mechanical Breakdown Insurance
How to Find the Best Car Insurance in Wyoming
Finding the right car insurance in Wyoming requires comparing options that match your needs and budget. Follow these steps to secure the best coverage.
- 1Decide on coverage needs before you buy
Decide on what coverage you need. Consider your driving habits, location and finances when selecting auto insurance that meets Wyoming required minimums.
- 2Research average costs and discounts you may qualify for
Start by researching average car insurance costs in Wyoming. Explore home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can help you save more.
- 3Look through provider customer experiences and coverage options thoroughly
Search for customer feedback and review company coverage options.
- 4Consider non-standard coverage options
Look into specialized options like non-owner car insurance or pay-per-mile policies if they better suit your situation. Different recommendations apply if you need an SR-22 in Wyoming.
- 5Compare plenty of quotes through multiple means
Shopping around helps find the cheapest option possible from agents and online.
- 6Reassess annually
Review coverage options each year and see if you can find a better deal.
Best Wyoming Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. State Farm is the top-rated company overall, while GEICO and Farmers are also good options for drivers in Wyoming.
Best Auto Insurance in Wyoming: FAQ
Know what you need before you buy. These questions help you pick the right car insurance.
What is the best car insurance company in Wyoming?
State Farm ranks as the best car insurance company in Wyoming overall, with a MoneyGeek score of 4.68 out of 5 and an average monthly premium of $76 for full coverage.
What is the best car insurance company for minimum coverage in Wyoming?
GEICO provides the most cost-effective minimum coverage in Wyoming, with average rates starting at $175 per year.
What is the best car insurance in Wyoming for young drivers?
State Farm is the top choice for young adults in Wyoming, combining competitive rates around $185 monthly for full coverage with excellent customer service ratings.
What is the best car insurance for Wyoming drivers who value customer service?
State Farm leads customer experience in Wyoming with a score of 5 out of 5. The company excels in their purchase experience, agent interactions, digital tools and claims handling processes.
What is the best car insurance in Wyoming if you have driving offenses?
State Farm is best for Wyoming drivers with violations, offering monthly rates of $23 for minimum coverage and $82 for full coverage auto insurance.
How We Rated the Best Car Insurance in Wyoming
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Wyoming. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We pulled quotes for a 40-year-old man with clean credit, no tickets and no accidents. That's our starting point. Then we ran the numbers for teens, seniors, drivers with DUIs, people with bad credit and about 20 other profiles. Why? Because your rate depends on your situation, not some generic average.
- Customer experience (30% of score): We read hundreds of Google reviews from Wyoming drivers. We checked J.D. Power rankings, AM Best ratings and yes, even Reddit rants. Local complaints matter more than national scores, so we filtered for Wyoming-specific problems and wins.
- Coverage options (10% of score): We counted every coverage type, add-on and perk each company offers. Some throw in roadside assistance. Others let you insure your pet. We noted what makes each one different.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.