BestAuto InsuranceWyomingThe Best Car Insurance in Wyoming for 2023
Compare Rates
Ensure you're getting the best rate. Review quotes from a top insurance company.
BestAuto InsuranceWyomingThe Best Car Insurance in Wyoming
Best Overall - State Farm
Best for Customer Service - The Hartford
Best for Minimum Coverage - GEICO
Best for Young Drivers - Allstate
Best for Seniors - State Farm
Best for Bad Driving Record - State Farm
Best for Military - USAA
Best for New Cars - Allstate
Best for Low-Mileage Drivers - Nationwide
For drivers in Wyoming looking for the cheapest auto insurance companies, MoneyGeek also ranked the most affordable insurers in the state.
Best Full Coverage Car Insurance Companies in Wyoming: Overall
According to MoneyGeek’s scoring system, the best car insurance companies in Wyoming are:
- State Farm: MoneyGeek score of 71 out of 100 (approximately $726 per year)
- Allstate: MoneyGeek score of 65 out of 100 (approximately $827 per year)
We did not include USAA in this analysis, but it received a MoneyGeek score of 100 out 100 making it the best auto insurance company in Wyoming for retired or active military members and their families.
To determine the best car insurance providers in Wyoming, MoneyGeek scored insurers based on average premiums, claims ratings and customer satisfaction. For those who want to keep an eye on their finances, MoneyGeek also analyzed Wyoming’s cheapest full coverage car insurance.
THE TOP CAR INSURANCE COMPANIES IN WYOMING
1
State FarmBest Overall
Score:71
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 for first place in customer satisfaction and claims ratings in the state.
Average Annual Cost: $726
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. This means that if something happens while you are driving, you're covered so long as you are acting within the scope of the ride-sharing business. This coverage is occasionally offered by insurers.
State Farm’s roadside assistance can also help with repairs, towing and jump-starts, locksmith and delivery services for your car. Getting stuck on the road is never a good thing, but it’s even worse when you’re far away from home. However, with this kind of coverage, you can feel secure that, while you’re on the road, there’s a full range of services available should the unexpected happen.
2
Allstate
Score:65
Allstate tied for first place in 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.
Average Annual Cost: $827
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. Take note that comprehensive coverage must be in effect to get this.
Similarly, if the sound system or its components in your car are damaged by an outside force, the sound system coverage will cover it. This covers damages to antennae, speakers and other components permanently installed in your car. Again, you must have comprehensive coverage for this coverage.
These coverages make Allstate a great option for Wyoming drivers.
3
GEICO
Score:63
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. text Read MoneyGeek's GEICO Auto Insurance Review
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.
4
Farmers
Score:56
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.
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:
Best Car Insurance in Wyoming for Customer Service
The best car insurers for customer service in Wyoming are:
- The Hartford: MoneyGeek score of 95 out of 100
- Allstate: MoneyGeek score of 81 out of 100
MoneyGeek scored the best auto insurance companies in Wyoming for customer service based on claims ratings and user satisfaction without considering rates.
THE TOP TWO CAR INSURANCE COMPANIES IN WYOMING FOR SERVICE QUALITY
1
The HartfordBest for Customer Service
Score:95
The Hartford ranks first for customer satisfaction and claims in Wyoming and tied for second in financial stability. 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. This will 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.
The 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.
Better yet, Hartford’s accident forgiveness rewards your good driving habits and gives you a fresh start should you ever be in an accident. In the unlikely event of a crash, Hartford will not raise your rates if you have been accident-free for five consecutive years.
Remember that an insurer’s customer service is crucial because you’ll heavily rely on it when you are in an accident.
2
Allstate
Score:81
Allstate tied for second in 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 coverages, 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 rideshare insurance to their policy and get coverage while using a rideshare app.
In addition, policyholders have the option to purchase Allstate's accident forgiveness coverage to protect their driving record from causing a rise in costs. When you add this optional coverage to your Allstate auto insurance policy, you can be confident knowing that even if you make a mistake behind the wheel and get in an accident, your rates won't increase. That said, it is in your best interest to stay safe on the road.
Best Car Insurance in Wyoming for Minimum Coverage
The best budget-friendly auto insurance companies for drivers who want the minimum car insurance required in Wyoming are:
- GEICO: MoneyGeek score of 82 out of 100 (approximately $206 per year)
- State Farm: MoneyGeek score of 77 out of 100 (approximately $246 per year)
For this ranking, MoneyGeek evaluated the providers offering the best balance of affordability for a minimum coverage policy and quality service. Those who want to save more money should check MoneyGeek’s ranking for the cheapest minimum coverage car insurance in Wyoming.
MoneyGeek’s Pick: GEICO
pros
Affordable minimum coverage policy at $206 per year
Customer satisfaction score of 4 out of 5
Variety of discounts offered, including for vehicle equipment such as daytime running lights
Active or retired federal employee discount
Discount offered for completing a defensive driving course
cons
No discounts for paying in full
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 even applies to other policies, such as bundling your auto insurance with your home, renters or mobile insurance. Plus, you can get discounts for safety features like anti-theft systems, anti-lock brakes, daytime running lights and more.
GEICO is one of the few insurers that offers drivers a discount for always using their seatbelts. 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 Young Drivers and Students
According to MoneyGeek’s analysis, the best auto insurance companies in Wyoming for young drivers and students are:
- Allstate: MoneyGeek score of 87 out of 100
- State Farm: MoneyGeek score of 57 out of 100
Based on rates and customer satisfaction ratings, these two companies offer the best balance of affordability and quality service for young drivers and students in Wyoming. MoneyGeek’s analysis covered rates for those in their late teens or early 20s, whether they are in high school or college.
Meanwhile, those looking for the cheapest car insurance in Wyoming for young drivers and students can use MoneyGeek’s research to start their search for an insurer.
MoneyGeek’s Pick: Allstate
pros
One of the most affordable companies for young drivers at $1,658 on average per year
Distant student discount
Good student discount for students who maintain strong grades
Students can get a discount for completing the teen SMART driver education program
MoneyGeek customer satisfaction and claims ratings of 4 out of 5
cons
No discount for insuring multiple cars
COMPANY HIGHLIGHTS
Young drivers typically pay higher car insurance premiums, 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. These driver’s increased risk of accidents causes insurers to charge them more money.
That said, 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 Seniors
To determine the best car insurance for seniors, MoneyGeek compared the cost of car insurance and customer service records for Wyoming's insurance companies. Based on our criteria, we found that seniors could find the best policies with the following:
- State Farm: MoneyGeek score of 86 out of 100 (approximately $651 per year)
- Allstate: MoneyGeek score of 74 out 100 (approximately $788 per year)
These scores balance both affordability and customer service. Those looking to save more can check the cheapest Wyoming car insurance for seniors.
MoneyGeek’s Pick: State Farm
pros
Affordable insurer for seniors at $651 per year
Offers roadside assistance and rental car and/or travel reimbursement
Offers a defensive driving discount
MoneyGeek claims rating of 4 out of 5
User satisfaction rating 4 out of 5
cons
Doesn’t offer senior discounts
Doesn’t offer pay-in-full and paperless discounts
COMPANY HIGHLIGHTS
One of the biggest problems seniors face is that they're more likely to be involved in car accidents than other age groups. Generally, some senior drivers have slower reaction times, poorer vision and reduced flexibility. For this reason, their insurance rates are higher. That said, State Farm offers a combination of affordability and quality service that makes it appealing for many people in this age group.
For example, seniors who complete a defensive driving course are eligible for a discount, which can save them money. State Farm also offers roadside assistance, which can provide seniors financial or logistics help when they get in a bind while out on the road (i.e., when their car breaks down or needs to be towed to the nearest repair shop).
Best Car Insurance in Wyoming for Bad Driving Records
For drivers with a poor record in Wyoming, the best auto insurance companies are:
- State Farm: MoneyGeek score of 77 out of 100 (approximately $855 per year)
- Allstate: MoneyGeek score of 69 out of 100 (approximately $1,082 per year)
To determine 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.
MoneyGeek’s ranking for the cheapest car insurance in Wyoming for those with a DUI or bad record may also help you save some money.
MoneyGeek’s Pick: State Farm
pros
Affordable rates for drivers with a poor driving record at $1,082 per year on average
Customer satisfaction and claims ratings of 4 out of 5
Roadside assistance
Rental car reimbursement
cons
No accident forgiveness
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 $855 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 the following coverages:
- Roadside Assistance: 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.
- Rental Car and/or Travel Reimbursement Coverage: This will cover 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, with a total score of 100. 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
pros
Affordable full coverage policy at $506 per year
Customer satisfaction and claims ratings of 5 out 5
Accident forgiveness if you are accident-free for five years
Rental car and travel reimbursement
cons
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 fact, it has one of the best reputations in the United States. In Wyoming, USAA outscores other insurers in terms of affordability, customer satisfaction and claims ratings. However, only military families are eligible for this policy.
These are some of USAA’s offerings:
- Rideshare Insurance: Those who regularly drive for ridesharing businesses will benefit from this coverage. This extends the medical, emergency roadside assistance and rental car reimbursement in your personal auto policy to when you're working for a ridesharing company.
- Rental and Travel Reimbursement Coverage: This reimburses rental car and transportation costs if your car is under repair.
- Legacy Discount: Those under a parent’s USAA policy may reduce their premiums.
- Loyalty Discount: Drivers who stay with USAA for a certain period of time are eligible for the loyalty discount.
Best Car Insurance in Wyoming for Those With New Cars
MoneyGeek found that Allstate is the best car insurance company in Wyoming for a new car with its new car replacement coverage. Its overall MoneyGeek score is 65 out of 100 (approximately $827 per year).
An auto insurance policy with new car replacement or better car replacement add-on coverage is typically the best option for drivers with a new car. You can choose these add-on coverages if you want reimbursement for the value of a new car, not the depreciated value of your current vehicle.
MoneyGeek’s Pick: Allstate
pros
New car replacement coverage for drivers with new cars
Customer satisfaction and claims ratings of 4 out of 5
cons
Relatively expensive rates at $827 per year.
Does not have Better Car Replacement coverage.
COMPANY HIGHLIGHTS
The value of a new car starts to depreciate as soon as you drive it off the lot. This means that in the event of loss or damage, if your policy does not have new car replacement coverage, you may not be able to get a new car of the same value. This makes Allstate a great option for new drivers because of its new car replacement coverage.
Allstate offers Wyoming drivers an optional new car replacement coverage to ensure that if their new car gets totaled, they will get enough to cover the cost of a new car. This means you will not be reimbursed for the depreciated value of the car like some other insurers may offer. 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
MoneyGeek found Nationwide offers the best pay-per-mile program in Wyoming, known as SmartMiles, which is great for low-mileage drivers.
If you do not drive a lot, you should consider pay-per-mile auto insurance. Insurers are expanding the use of pay-per-mile, where drivers pay based mainly on how many miles they drive.
MoneyGeek’s Pick: Nationwide
pros
Affordable rates for drivers who have low mileage
Discounts for safe driving
cons
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 means that the amount you will pay for this policy varies from month-to-month. This program also allows drivers with good driving records to earn safe driving discounts on the premiums. Specifically, it incurs a behavior-based reward of up to a 10% discount. SmartMiles has an exception for road trips where only the first 250 miles count in a single day. This is available in Wyoming.
Keep in mind that a SmartMiles device can only be installed on all vehicles manufactured after 1996. Some hybrid and diesel-powered cars may not be compatible with the device. It is best to check and confirm before you sign on the dotted line.
How to Find the Best Car Insurance in Wyoming 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 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.
About Mark Fitzpatrick
