The Best Car Insurance in Wyoming for 2022

The best car insurance companies in Wyoming balance customer satisfaction, affordability and financial stability. Based on that criteria, State Farm is the best insurer in Wyoming as it ranks first for affordability and customer satisfaction among the widely available insurers in the state.

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Last Updated: 5/13/2022
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State Farm is the highest on MoneyGeek’s ranking system and performed the best in our study. However, since driver profiles and needs vary, the best insurer for you will depend on your particular needs. To help you find the best option for your unique needs, MoneyGeek broke down the best options based on key factors such as budget, age and driving history.

For drivers in Wyoming looking for the cheapest auto insurance companies, MoneyGeek also ranked the most affordable insurers in the state.

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The Best Car Insurance in Wyoming

Best Car Insurance Companies in Wyoming: Overall

To find the best car insurance providers in Wyoming, MoneyGeek scored insurers based on average premiums, claims ratings and customer satisfaction.

The best car insurance companies in Wyoming based on MoneyGeek’s study are:

  • State Farm: MoneyGeek score of 3.5 out of 5
  • Allstate: MoneyGeek score of 3.2 out of 5

USAA was not included in this analysis, but it received a MoneyGeek score of 5 out 5, which makes it the best auto insurance company in Wyoming for retired or active military members and their families.

The Top 4 Car Insurance Companies in Wyoming

1
State Farm
Score:3.5

2.5/5

Affordability

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

The average cost of a State Farm auto insurance policy is $726 per year, which is among the cheapest rates in Wyoming. State Farm also tied in first place for customer satisfaction and claims ratings in the state.

More About State Farm

State Farm policyholders can get rideshare coverage, which extends all coverages from your auto policy when a rideshare app is on and you are available for hire.

Read MoneyGeek's State Farm auto Insurance Review
2
Allstate
Score:3.2

1.3/5

Affordability

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Allstate ties in first place for customer satisfaction and claims ratings among car insurers in Wyoming. A policy with Allstate costs an average of $827 yearly and includes unique coverages such as Custom Parts insurance.

More About Allstate

Wyoming drivers with customized cars can benefit from the optional custom parts coverage offered by Allstate. This coverage includes reimbursement for height-extending roofs, custom murals, decals and other bespoke features. An Allstate policy also comes with portable electronics and media coverage for the loss of media devices used with an auto sound system.

Read MoneyGeek's Allstate auto Insurance Review
3
GEICO
Score:3.2

1.4/5

Affordability

4/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO ranks second in affordability among Wyoming car insurers at $827 per year. This provider has the highest financial stability score and ties for first place for customer satisfaction.

More About GEICO

GEICO policyholders with new or leased cars less than 15 months old can get Mechanical Breakdown Insurance (MBI), which covers all parts and systems, not just those covered by dealer warranties. This policy also allows you to earn accident forgiveness for your first at-fault accident if you are claim-free for five years. You can also purchase Accident Forgiveness as an add-on to your policy.

Read MoneyGeek's GEICO auto Insurance Review
4
Farmers
Score:2.8

0/5

Affordability

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

A Farmers car insurance policy in Wyoming costs an average of $939 yearly. Farmers ties in second place for claims ratings and has a customer satisfaction rating of 4 out of 5. Farmers offers unique coverages such as Original Equipment Manufacturer (OEM) insurance.

More About Farmers

Farmers offers policyholders an optional OEM insurance to cover the cost of using factory-original parts in covered repairs for cars up to 10 years old. You can also add glass deductible modification coverage to your policy, which allows you to reduce the comprehensive deductible to $100 when the loss is restricted to glass. Wyoming drivers who use rideshare apps can also get Rideshare coverage as an add-on to their policy.

Read MoneyGeek's Farmers auto Insurance Review
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HOW WE DETERMINED THE BEST INSURANCE IN WYOMING

To determine the best full coverage policies in Wyoming, MoneyGeek collected full coverage policy quotes for a sample driver from different providers. The average car insurance rates in Wyoming can differ greatly depending on your profile. For this study, MoneyGeek collected claims ratings and user satisfaction from J.D. Power and the NAIC. You can read our methodology for more detail on sample drivers, policy and assumptions.

MoneyGeek's Wyoming Car Insurance Resources:

Compare the Best Insurance Options in Wyoming

The best auto insurance companies in Wyoming are financially stable and offer affordable and quality coverage. However, the best option for you depends on the type of coverage you need.

MoneyGeek's in-depth review allows you to compare the best companies in Wyoming one-on-one to help you find the best auto insurer for your needs.

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Best Car Insurance in Wyoming for Customer Service

MoneyGeek ranked the best auto insurance companies in Wyoming for customer service by scoring providers based on claims ratings and user satisfaction, without considering rates.

The best car insurers for customer service in Wyoming are:

  • The Hartford: MoneyGeek score of 4.7 out of 5
  • Allstate: MoneyGeek score of 4 out of 5

For drivers in Wyoming who are looking for quality service regardless of cost, The Hartford and Allstate are the best options in the state.

The Top 2 Car Insurance Companies in Wyoming for Service Quality

1
The Hartford
Score:4.7

5/5

Claims

4.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

The Hartford ranks first for customer satisfaction and claims ratings in Wyoming and ties in second for financial stability. Hartford policyholders have access to quality service and unique coverage options such as Gap Insurance.

More About The Hartford

Drivers with leased or financed cars in Wyoming can opt to add Gap Insurance to their policy to cover the difference between their car’s actual cash value and the amount they owe on the car loan in case of loss or damage. Hartford policyholders also have the option of adding on full auto glass coverage for the cost of repairs to the car’s headlights, mirrors and windows with no deductible.

Read MoneyGeek's The Hartford auto Insurance Review
2
Allstate
Score:4

4/5

Claims

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Allstate ties in second for customer satisfaction and claims in Wyoming. An Allstate policy is not as costly as other options in the state, so you can get a balance of affordability and quality coverage from this provider.

More About Allstate

Allstate offers unique coverage including optional custom parts insurance to cover the loss of custom equipment such as special carpeting, bars, decals or height-extending roofs. This policy also allows drivers in Wyoming who use rideshare apps to add on Rideshare Insurance to their policy and get coverage while using a rideshare app.

Read MoneyGeek's Allstate auto Insurance Review

Best Car Insurance in Wyoming for Drivers on a Budget

MoneyGeek ranked insurers in Wyoming with the most affordable rates to identify the best insurers for drivers on a budget in need of only the minimum car insurance required by Wyoming. This ranking is based on the providers offering the best balance of affordability for a minimum coverage policy and quality service.

The best auto insurance companies in Wyoming for a minimum coverage policy in MoneyGeek’s study are:

  • GEICO: MoneyGeek score of 4 out of 5
  • State Farm: MoneyGeek score of 3.9 out of 5

MoneyGeek’s Pick: GEICO

GEICO

pros

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Affordable minimum coverage policy at $206 per year

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Customer satisfaction score of 4 out of 5

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Variety of discounts offered, including for vehicle equipment such as daytime running lights

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Active or retired federal employee discount

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Discount offered for completing a defensive driving course

cons

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No discounts for paying in full

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Policyholders do not get discounts for paperless billing

COMPANY HIGHLIGHTS

Drivers with a good driving history will qualify for a discount on their GEICO policy, which rewards drivers who have been accident-free for five years. You can also save on premiums by insuring more than one car with GEICO. This also applies to other policies such as bundling your auto insurance with your home, renters or mobile insurance.

GEICO is one of the few insurers that offers drivers a discount for always using their seatbelt. This provider also has a federal employee discount, so drivers in Wyoming who are active or retired federal employees can pay less if they choose a GEICO auto insurance policy.

Best Car Insurance in Wyoming for Poor Driving Records

Driving history is one of the rating factors that impact car insurance rates in Wyoming. To find the best insurers for drivers with a poor record, MoneyGeek scored providers offering affordability and quality service for those with an at-fault accident on their record.

The best auto insurance companies in Wyoming for drivers with a bad record in MoneyGeek’s study are:

  • State Farm: MoneyGeek score of 3.7 out of 5
  • Allstate: MoneyGeek score of 3.4 out of 5

MoneyGeek’s Pick: State Farm

State Farm

pros

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Affordable rates for drivers with a poor driving record at $1,082 per year on average

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Customer satisfaction and claims ratings of 4 out of 5

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Roadside assistance

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Rental car reimbursement

cons

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No accident forgiveness

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No new car or better car replacement coverage

COMPANY HIGHLIGHTS

State Farm offers Wyoming drivers with a poor driving record an affordable policy at an average of $1,082 per year without compromising on the quality of service. This provider has customer satisfaction and claims ratings of 4 out of 5, which is the highest in Wyoming.

State Farm policyholders may opt for emergency roadside assistance coverage. This will cover you if you are stranded on the side of the road and includes reimbursement for expenses such as towing, delivery of fuel, repair parts and labor charges. A State Farm policy also offers Rental Car Reimbursement coverage, which covers you if your car is in the shop for repairs and you have to rent a car, pay for lodging or other transportation expenses.

Best Car Insurance in Wyoming for a Military Background

USAA ranks as the best car insurer in Wyoming based on MoneyGeek’s scoring system. USAA has the highest affordability, customer satisfaction and claims rating scores among auto insurers in Wyoming. This means that for active and retired members of the military and their families, USAA is the best auto insurance company in Wyoming.

MoneyGeek’s Pick: USAA

USAA

pros

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Affordable full coverage policy at $506 per year

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Customer satisfaction and claims ratings of 5 out 5

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Accident forgiveness if you are accident-free for five years

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Rental car and travel reimbursement

cons

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Only available to active or retired members of the military and their families

COMPANY HIGHLIGHTS

USAA is consistently one of the best insurance companies in the country. In Wyoming, USAA outscores other insurers in terms of affordability, customer satisfaction and claims ratings. However, only military families are eligible for this policy.

USAA policies come with optional rideshare coverage for drivers who use rideshare apps. Their auto policies also have rental and travel reimbursement coverage to reimburse rental car costs if your car in under repair. Additionally, USAA offers discounts such as accident forgiveness for those who are accident-free for five years and legacy discounts for customers under a parent’s USAA policy.

Best Car Insurance in Wyoming for Young Drivers and Students

Age is a key rating factor in auto insurance costs. MoneyGeek ranked the best car insurance companies in Wyoming for young drivers and students based on rates and the provider’s customer satisfaction ratings.

For young drivers and students in Wyoming, the best auto insurance companies in MoneyGeek’s study are:

  • Allstate: MoneyGeek score of 4.4 out of 5
  • State Farm: MoneyGeek score of 2.9 out of 5

These two companies offer the best balance of affordability and quality service for young drivers and students in Wyoming.

MoneyGeek’s Pick: Allstate

Allstate

pros

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One of the most affordable companies for young drivers at $1,658 on average per year

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Distant student discount

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Good student discount for students who maintain strong grades

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Students can get a discount for completing the teen SMART driver education program

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MoneyGeek customer satisfaction and claims ratings of 4 out of 5

cons

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No discount for insuring multiple cars

COMPANY HIGHLIGHTS

Young drivers typically pay high car insurance rates, but Allstate offers student drivers and young drivers in Wyoming quality service at affordable rates. Young drivers need a reliable auto insurance company with excellent service since they are at a higher risk for accidents.

An Allstate policy comes with discounts that will specifically benefit young drivers such as a good student discount. This discount is applied when a student receives good grades, while students who study away from home are eligible for a distant student discount. Young drivers who take a student driver’s course will also get discounts on their Allstate policy, which makes their premiums even more affordable.

Best Car Insurance in Wyoming for Those With New Cars

If you have a new car in Wyoming, an auto insurance policy with New Car Replacement or Better Car Replacement coverage is usually the best option. This coverage is usually an add-on that you can opt for if you want to be reimbursed for the value of a new car, not just the depreciated value.

Allstate is the best option for drivers in Wyoming who want a policy with new or better car replacement coverage.

MoneyGeek’s Pick: Allstate

Allstate

pros

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New car replacement coverage for drivers with new cars

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Customer satisfaction and claims ratings of 4 out of 5

cons

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Relatively expensive rates at $827 per year.

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Does not have Better Car Replacement coverage.

COMPANY HIGHLIGHTS

The value of a new car starts to depreciate as soon as you start driving it. This means that in case of loss or damage, if your policy does not have new car replacement coverage, you may not be able to get a car of the same value. Allstate offers Wyoming drivers an optional new car replacement coverage to ensure that if their new car gets totaled, they will get the same model year car. This means you will not be reimbursed for the depreciated value of the car but a new car. However, you can only get this coverage if your car is less than two years old.

Best Car Insurance in Wyoming for Low-Mileage Drivers

Drivers in Wyoming who do not drive a lot should consider a pay-per-mile program. Insurers are expanding the use of pay-per-mile, where drivers pay based mostly on how many miles they drive.

In MoneyGeek’s study, Nationwide offers the best pay-per-mile program in Wyoming known as SmartMiles.

MoneyGeek’s Pick: Nationwide

Nationwide

pros

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Affordable rates for drivers who have low mileage

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Discounts for safe driving

cons

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Not cost-effective for drivers who rack up a lot of mileage

COMPANY HIGHLIGHTS

Nationwide’s SmartMiles program features a base rate and a variable rate depending on how many miles you drive. This program also allows drivers with good driving records to earn safe driving discounts on the premiums. SmartMiles has an exception for road trips where only the first 250 miles count in a single day.

How to Find the Best Car Insurance in Wyoming in For You

Affordability, customer satisfaction and financial stability are the key factors to consider when looking for the best car insurance in Wyoming. MoneyGeek has collected this data for you, but you can also compare information on your own to find the best option for your needs.

1

Research Customer Service Reputations in Wyoming

MoneyGeek ranked car insurance companies in Wyoming by their customer satisfaction and claims ratings. While researching, consider researching the insurer’s customer service reviews by looking up J.D. Power satisfaction scores and NAIC complaint ratios for various providers in Wyoming. The Wyoming Department of Insurance website is also a solid resource when comparing insurers.

2

Compare Quotes for Yourself

MoneyGeek’s study uses quotes based on averages for sample drivers in most of Wyoming but not everywhere. It’s important to compare quotes from at least three different insurers to get a good indication of the rates for your particular profile.

3

Make Sure the Company Has Coverages You Want in Wyoming

Insurers advertise that they offer certain coverages or discounts, but sometimes these features are not available in all states. Always check to confirm that the coverages you need are offered in Wyoming before you sign up with the auto insurance company.

4

Double-Check Financial Stability Ratings

It is important to check the financial strength rating of an insurer to ensure they can pay for claims. Large insurance companies tend to be financially stronger, while regional insurance companies in Wyoming may have lower ratings.

FAQs About the Best Car Insurance in Wyoming

The best car insurance option for you will depend on your profile and the particular set of coverages and features that you need. Learning the answers to frequently asked questions from consumers about car insurance in Wyoming can help you make the best decision when shopping for coverage.

Methodology

Data on car insurance costs in Wyoming was collected in collaboration with Quadrant Information Services. The costs in this study are for the driver and policy described on our methodology page unless noted otherwise. MoneyGeek calculated scores for customer satisfaction, claims satisfaction and financial strength based on industry-leading evaluations by J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). The information on coverages and discounts from insurance companies were collected by MoneyGeek from insurer websites or their quote tools.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.