Best Car Insurance in Wyoming 2026

State Farm earns Wyoming's best car insurance score at 4.7/5. American National wins for low-income drivers at $46 per month. See top picks by driver profile and city.

Written by Mark Fitzpatrick

Updated: April 23, 2026

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Key Takeaways

State Farm earns Wyoming's top MoneyGeek score at 4.7/5, with a 5/5 customer experience score, and wins best and cheapest across most profiles, including adults at $19 per month and DUI at $23 per month, among the lowest rates found for those profiles in any state.

American National wins best and cheapest for low income at $46 per month and cheapest for bad credit at $100 per month, making it the alternative for Wyoming drivers in those profiles focused on rate.

State Farm leads all 10 Wyoming cities. Rates are among the most uniform found across any state's cities, ranging from $42 per month in Sheridan to $52 per month in Jackson.

HOW MONEYGEEK CHOSE THE BEST CAR INSURANCE IN WYOMING

MoneyGeek analyzed quotes from five Wyoming insurers across every ZIP code in the state. Wyoming is an at-fault state with some of the lowest car insurance rates in the country; low population density, minimal urban traffic and open highway driving keep accident frequency down.

MoneyGeek's licensed insurance producers factored in Wyoming's at-fault liability system, the state's vast geography and regional carriers like American National, which price policies based on local loss experience.

Affordability (60%): Rate is the primary driver. Wyoming's low baseline means dollar differences between insurers are proportionally smaller than in most states.
Customer experience (30%): Based on J.D. Power scores, NAIC complaint ratios, AM Best ratings and independent agent Google Business ratings.
Coverage options (10%): Measures the range of optional coverages offered in Wyoming.

Best Car Insurance in Wyoming by Driver Profile

State Farm is the right pick for most Wyoming drivers, winning best and cheapest across nearly every profile, with American National as the alternative for low-income and bad-credit drivers, where its rates are lower.

State Farm earns Wyoming's top MoneyGeek score at 4.7/5 with a perfect 5/5 customer experience score. At $19 per month for a clean-record adult and $23 per month after a DUI (both best and cheapest), its rates are among the lowest found for any insurer in any state, reflecting Wyoming's low population density and limited traffic volume.

American National wins best and cheapest car insurance in Wyoming for low-income at $46 per month, and cheapest for bad credit at $100 per month, with GEICO winning best score for bad credit at $112 per month. Although GEICO isn't a featured winner for most profiles, it wins best and cheapest for older cars at $11 per month, the lowest older-car rate found in Wyoming.

Driver Profile	Best Provider	Average Monthly Minimum Coverage	Average Monthly Full Coverage
Adult drivers (26–64), clean record	State Farm	$19	$76
Young drivers (16–25)	State Farm	$50	$139
Senior drivers (65+)	State Farm	$21	$79
After an at-fault accident	State Farm	$25	$90
After a speeding ticket	State Farm	$23	$83
After a DUI	State Farm	$23	$83
Drivers with newer cars	State Farm	$28	$87
Drivers with older cars	GEICO	$11	$57
Bad credit	GEICO	$112	$237
Low income	American National	$46	$107

Best Overall and Best for Young Drivers or Those With a Violation

State Farm

State Farm earns the top composite score in MoneyGeek's Wyoming analysis, 4.7 out of 5, with a perfect customer experience score and rates among the lowest for any insurer in the state. At $19 per month for a clean-record adult and $23 per month after a DUI, State Farm wins best and cheapest across most profiles. Wyoming's low population density and open highway driving patterns make it one of the most affordable states for car insurance, and State Farm's pricing reflects that baseline while leading in service quality.

State Farm holds a perfect customer experience score in MoneyGeek's Wyoming analysis. Its local agent network provides practical support for SR-22 documentation and ongoing compliance after a violation, and its J.D. Power claims-satisfaction standing runs above industry average. State Farm offers three optional coverages: roadside assistance, rental reimbursement and rideshare coverage. Rideshare coverage matters for Wyoming drivers working the Jackson Hole or Cheyenne markets.

Affordability (60%): 4.9/5
Customer Experience (30%): 5/5
Coverage Options (10%): 2.5/5

Don't pick State Farm if you need gap insurance or accident forgiveness. Neither is available. Farmers offers both, though its $26-per-month minimum is $7 more than State Farm for a clean-record adult. For low-income or bad-credit drivers, American National prices those profiles more competitively.

Best Cheap for Drivers With Bad Credit or Low Income

American National

American National wins best and cheapest for low income at $46 per month and cheapest for bad credit at $100 per month in MoneyGeek's Wyoming analysis. For Wyoming drivers in those profiles who want the lowest possible rate, American National holds. American National also wins cheapest for newer cars at $19 per month and cheapest for young drivers at $41 per month, making it worth a direct quote for those profiles as well. Its $2,000 custom parts coverage is included standard with every policy, which is useful for Wyoming drivers who modify or equip their vehicles for off-road or ranch use.

On customer experience, American National ranks fifth in MoneyGeek's Wyoming analysis with a 3.3/5 score, the lowest of any analyzed insurer in the state. Its service profile is narrower than State Farm's, with less coverage on the independent agent Google Business profiles that inform MoneyGeek's scoring. American National offers two standard optional coverages alongside its custom equipment inclusions.

Affordability (60%): 5/5
Customer Experience (30%): 3.3/5
Coverage Options (10%): 1.9/5

Don't pick American National if a strong service record is the priority. State Farm's perfect customer experience score and competitive rates across most profiles make it the better all-around pick for most Wyoming drivers. American National's case is specific to bad-credit, low-income and certain equipment-heavy use cases.

MONEYGEEK VERDICT

State Farm is the primary pick for most Wyoming drivers. American National is the alternative for bad-credit and low-income profiles and drivers with custom equipment. Wyoming's rate environment is among the cheapest in the country, so the dollar difference between State Farm and American National is smaller here than it would be in a high-rate state.

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Best Car Insurance in Wyoming by City

State Farm leads all 10 Wyoming cities. Rates are among the most uniform found across any state's cities: the range from Sheridan ($42 per month) to Jackson ($52 per month) is $10 per month. Jackson's higher rate reflects the resort town's above-average traffic and tourism vehicle activity versus the rest of Wyoming's rural markets.

City	Best Provider	MoneyGeek Score	Average Monthly Premium
Cheyenne	State Farm	4.60	$46
Casper	State Farm	4.60	$47
Gillette	State Farm	4.70	$45
Laramie	State Farm	4.60	$45
Rock Springs	State Farm	4.60	$45
Sheridan	State Farm	4.60	$42
Green River	State Farm	4.60	$45
Evanston	State Farm	4.60	$45
Riverton	State Farm	4.60	$45
Jackson	State Farm	4.50	$52

Summary: Best Car Insurance Providers in Wyoming on Average

State Farm leads Wyoming at 4.7/5, 0.18 points above GEICO's second-place 4.5/5. Wyoming's five-insurer market is smaller than most states. Both State Farm and GEICO earn the same coverage score (2.5/5): the distinction between them is customer experience (State Farm's perfect 5/5 vs. GEICO's 4.4/5) and rate leadership by profile. The methodology weights affordability at 60%, customer experience at 30% and coverage at 10%.


State Farm	4.68	$48	1	3
Geico	4.5	$48	2	3
Farmers	4.26	$55	4	1
American National	4.25	$46	5	3
Allstate	3.61	$92	3	2

How to Find the Best Car Insurance in Wyoming

Wyoming's low rates mean even the largest gaps between providers represent modest dollar differences, but for bad-credit drivers the right insurer within the same state can still differ by $50 or more per month compared to a clean-record rate from the same insurer.

1
Check Wyoming's minimum coverage requirements
Wyoming requires 25/50/20 liability coverage. The state follows an at-fault system with no personal injury protection (PIP) requirement.
2
Factor in Wyoming's low baseline rates
Wyoming consistently ranks among the cheapest states for car insurance. Even violation-affected profiles here compare favorably to clean-record rates in most states.
3
Consider custom equipment coverage
American National includes $2,000 of custom parts coverage standard, worth considering for Wyoming drivers who outfit vehicles for ranch or off-road use.
4
Account for credit scoring
Wyoming allows credit scoring as a rating factor. American National wins cheapest bad credit at $100 per month; GEICO wins best composite score for bad-credit drivers at $112 per month, meaning GEICO ranks highest on MoneyGeek's overall scoring model for that profile, not that it offers the lowest rate.

Frequently Asked Questions About Car Insurance in Wyoming

Who has the cheapest car insurance in Wyoming?

American National offers the cheapest rate for a clean-record adult at $18 per month. State Farm wins best MoneyGeek score at $19 per month. After a DUI, State Farm offers the lowest rate at $23 per month. For bad credit, American National is cheapest at $100 per month and GEICO wins best composite score at $112 per month. GEICO's higher rate reflects its stronger overall MoneyGeek score for that profile, not a lower price.

What car insurance coverage is required in Wyoming?

Wyoming requires minimum liability coverage of 25/50/20: $25,000 per person, $50,000 per accident and $20,000 for property damage. The state doesn't require personal injury protection (PIP).

Is Wyoming a no-fault state?

No. Wyoming is an at-fault state. The driver responsible for an accident is liable for damages, and the injured party may file a claim against the at-fault driver's liability insurance.

Does Wyoming allow credit scoring for car insurance?

Yes. Wyoming permits insurers to use credit history as a rating factor. GEICO wins best composite score for bad-credit drivers at $112 per month; American National wins cheapest at $100 per month.

Which Wyoming insurer has the best customer service?

State Farm ranks first in MoneyGeek's Wyoming customer experience scoring at 5/5. GEICO ranks second at 4.4/5. These scores are drawn from MoneyGeek's internal Wyoming scoring model incorporating J.D. Power, NAIC complaint ratios, AM Best ratings and independent agent Google Business ratings.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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