BestCar InsuranceWyomingBest Car Insurance in Wyoming (May 2023)
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State Farm offers the best full-coverage car insurance in Wyoming, plus it’s the best for seniors and drivers with violations. Allstate provides top customer service. GEICO is our pick for folks seeking minimum coverage policies. Farmers is the best auto insurer for young adults and motorists with new cars. Drivers with military backgrounds should find the best offers from USAA.
If cost is your top concern, we've also listed the most affordable car insurance in Wyoming. These choices disregard service quality.
BestCar InsuranceWyomingBest Car Insurance in Wyoming
Best Overall - State Farm
Best for Service - Allstate
Best for Minimum Coverage - GEICO
Best for Young Adults - Farmers
Best for Seniors - State Farm
Best for Driving Offenses - State Farm
Best for New Cars - Farmers
Best for Military - USAA
Best Overall for Car Insurance in Wyoming
MoneyGeek’s research found State Farm has the overall best car insurance in Wyoming for full coverage.
Moreover, here are the state’s top two auto insurers:
- State Farm: MoneyGeek score of 87 out of 100 ($745 per year)
- Farmers: MoneyGeek score of 84 out of 100 ($813 per year)
State Farm offers the cheapest rates and the best customer service reputation among car insurance companies in Wyoming. It doesn’t compromise on service quality despite having affordable premiums.
1
State FarmBest Overall
Score:87
State Farm offers affordable prices and high-quality customer service. At $745 per year, it's the cheapest auto insurer in the state. Its coverage offerings are limited, but you can add roadside assistance.
More About State Farm
State Farm is MoneyGeek’s pick as the best car insurance company in Wyoming due to its cheap rates and excellent customer satisfaction. In addition, it lets you add common coverages.
For instance, it offers roadside assistance coverage. This can be useful if you're in a covered emergency on the road. It pays for labor, towing, locksmithing and gas, oil, battery, or tire delivery.
State Farm also offers rental car and travel reimbursement coverage. If your car is unusable after a covered incident, this may pay for a rental car, meals, lodging and transportation.
State Farm has limited coverage options. But, it's the cheapest among its competitors in Wyoming. It also has high marks from J.D. Power and the National Association of Insurance Commissioners (NAIC) customer complaint index. This shows its customers are generally pleased.
2
State Farm
Score:87
State Farm offers affordable prices and high-quality customer service. At $745 per year, it's the cheapest auto insurer in the state. Its coverage offerings are limited, but you can add roadside assistance.
More About State Farm
State Farm is MoneyGeek’s pick as the best car insurance company in Wyoming due to its cheap rates and excellent customer satisfaction. In addition, it lets you add common coverages.
For instance, it offers roadside assistance coverage. This can be useful if you're in a covered emergency on the road. It pays for labor, towing, locksmithing and gas, oil, battery, or tire delivery.
State Farm also offers rental car and travel reimbursement coverage. If your car is unusable after a covered incident, this may pay for a rental car, meals, lodging and transportation.
State Farm has limited coverage options. But, it's the cheapest among its competitors in Wyoming. It also has high marks from J.D. Power and the National Association of Insurance Commissioners (NAIC) customer complaint index. This shows its customers are generally pleased.
3
Farmers
Score:84
Farmers is our runner-up auto insurer in Wyoming. It offers the second-cheapest premiums at $813 per year. The company also has rare add-on coverages, like one for custom parts such as infotainment systems or custom wheels.
More About Farmers
For its affordable rates, good customer service and variety of add-on riders offered, Farmers is our next-best option among car insurers in Wyoming.
With Farmers, you can get custom parts coverage as an add-on. This pays for repair or replacement costs of your car’s aftermarket equipment like infotainment systems and custom wheels.
It also lets you get a glass deductible modification, lowering what you owe for glass damage. You can choose full windshield and glass coverage to reduce your deductible to $0.
Farmers offers original equipment manufacturer (OEM) coverage. This covers the repair of factory-original parts and is available for vehicles under 10 years old.
4
Farmers
Score:84
Farmers is our runner-up auto insurer in Wyoming. It offers the second-cheapest premiums at $813 per year. The company also has rare add-on coverages, like one for custom parts such as infotainment systems or custom wheels.
More About Farmers
For its affordable rates, good customer service and variety of add-on riders offered, Farmers is our next-best option among car insurers in Wyoming.
With Farmers, you can get custom parts coverage as an add-on. This pays for repair or replacement costs of your car’s aftermarket equipment like infotainment systems and custom wheels.
It also lets you get a glass deductible modification, lowering what you owe for glass damage. You can choose full windshield and glass coverage to reduce your deductible to $0.
Farmers offers original equipment manufacturer (OEM) coverage. This covers the repair of factory-original parts and is available for vehicles under 10 years old.
How the Best Insurers in Wyoming Rank: MoneyGeek Scores and Costs
MoneyGeek analyzed four car insurance companies in Wyoming and determined that State Farm is its best provider. State Farm has the cheapest premiums at around $745 per year. It also boasts the best customer service reputation in the market.
Farmers is our runner-up pick, with its affordable rates (approximately $813 per year) and great customer satisfaction. It can be a great choice if you want add-ons for more comprehensive protection.
The rates used in this study are for full-coverage auto insurance. Additionally, insurers only qualify for an overall MoneyGeek score if we find enough data for our scoring system.
Best Car Insurance in Wyoming for Customer Service
Based on MoneyGeek’s research, Allstatea is the best auto insurance provider for folks who value customer service above all else. Here are the top insurers in Wyoming for customer satisfaction:
- Allstate: MoneyGeek score of 86 out of 100 ($913 per year)
- GEICO: MoneyGeek score of 85 out of 100 ($1,035 per year)
Allstate and GEICO have a similar customer satisfaction reputation. However, Allstate has more optional coverages, giving it the edge.
If you’re considering Allstate, you should know that it’s one of the pricier options in the state. This means you’ll need to pay a premium to receive good service.
pros
Excellent customer service reputation
Various optional coverages
Offers rare riders
cons
Relatively more expensive compared to others
Subpar claims management
Lacks OEM coverage
COMPANY HIGHLIGHTS
Our study shows Allstate is the best choice for a car insurance provider in Wyoming that prioritizes customer service.
Allstate offers outstanding customer service and a wide range of optional coverages, ensuring you’ll receive comprehensive protection for your investment.
Custom parts coverage is one of the riders you can get from Allstate. It’s a rare insurance add-on that protects items such as special carpeting, bars, height-extending roofs, custom murals, decals and graphics from loss and damage.
Moreover, Allstate provides portable electronics and media coverage. It's another unique rider that covers items such as tapes, compact discs or similar media used in your car's sound system. It extends to yours and a resident relative's property.
If you're still paying off your car loan, Allstate's gap insurance can be a useful add-on. In the event of a total loss, this coverage can cover the difference between the primary car insurance settlement and the outstanding balance owed on your vehicle.
What Makes an Insurer the Best for Customer Service?
We can't overstate the importance of picking an insurance provider that reduces your stress in case of accidents or when making claims.
To ensure a positive experience, look for a company that provides prompt and efficient claims service. It should also be responsive to your inquiries and complaints, capable of solving problems and pay for approved claims quickly.
Best Car Insurance in Wyoming for Minimum Coverage
GEICO stands out as the best minimum-coverage car insurer in Wyoming.
MoneyGeek’s research shows these are the best companies in this category:
- GEICO: MoneyGeek score of 91 out of 100 ($176 per year)
- State Farm: MoneyGeek score of 89 out of 100 ($209 per year)
Beyond having the cheapest minimum coverage, GEICO offers outstanding customer service, making it a good choice if you want the most value for your money.
You can save with cheap minimum-coverage car insurance in Wyoming. But, cheap usually means less liability and damage protection.
pros
Affordable minimum coverage policy at $176 per year
Safe driver, airbag and daytime running lights discounts
Excellent affordability and customer service scores
cons
Negative claims management reputation
Limited add-on coverages
COMPANY HIGHLIGHTS
GEICO is our choice as the best minimum coverage car insurance in Wyoming. At $176 per year, it's the cheapest among the companies surveyed.
It also has great customer service, as evidenced by its high score from J.D. Power.
Additionally, GEICO has several discount opportunities to further lower your premiums. It offers these to drivers who are:
- Accident-free for five years
- Insuring more than one car
- Bundling their car insurance policy with home, renters, condo and other GEICO products
You can also get a discount from GEICO if you always use your seatbelt. Installing daytime running lights is another rare discount offered by GEICO.
What Makes an Insurer the Best for Minimum Coverage?
A minimum coverage policy provides the minimum coverage limits set by your state. Many people choose them for older cars or to save money.
Based on our research, GEICO is the best option for this category. It has affordable rates and a great customer service reputation. It also offers several discounts to further decrease your insurance costs.
Best Car Insurance in Wyoming for Young Adults
MoneyGeek’s research shows Farmers is the best car insurance company for young adults in Wyoming.
For this category, we analyzed car insurance affordability and service quality for drivers in their 20s. These providers obtained the highest scores:
- Farmers: MoneyGeek score of 88 out of 100 ($870 per year)
- State Farm: MoneyGeek score of 87 out of 100 ($932 per year)
Farmers is the cheapest out of the four companies surveyed. It also has a great customer service reputation.
Car insurance is cheaper in your 20s than it was in your teens. But, premiums for young adults are still more expensive than older drivers' costs.
pros
Cheapest full-coverage at $870 per year
Good student and distant student discounts
Several add-on coverages
cons
Below-average claims management
COMPANY HIGHLIGHTS
Farmers is our choice for the best car insurance company in Wyoming for young adults. Its rates for this age group are the most affordable in the state. It also has the highest number of add-ons.
Young adults may enjoy exclusive discount opportunities with Farmers. It offers discounts to top students and those attending schools at least 100 miles away from home.
You may lower your rates if you have a safe driving history or have had no late fees for the past year.
Farmers lets you add roadside assistance coverage to your policy. You can also get custom parts coverage for the repair or replacement of your vehicle's aftermarket equipment.
What Makes an Insurer the Best for Young Adults?
Companies often charge higher car insurance premiums for young adults. So, it's important to find a policy that offers affordable rates, discounts and add-on coverages for young people.
Farmers is our pick as the best auto insurer for young people in Wyoming. At around $870 per year, it’s the cheapest in the state. It also got an above-average customer satisfaction rating from J.D. Power, scoring 882.
Best Car Insurance in Wyoming for Seniors
MoneyGeek’s analysis shows State Farm is the best auto insurance provider for seniors in Wyoming. We studied the affordability and service quality for drivers in their 60s. These turned out to be the best companies:
- State Farm: MoneyGeek score of 89 out of 100 ($646 per year)
- Farmers: MoneyGeek score of 84 out of 100 ($789 per year)
State Farm offers the cheapest rates in the state and has an excellent customer service reputation.
The cost of car insurance for drivers in their sixties is comparable to those in their thirties to fifties. But, rates usually increase once a driver reaches 70. Shop around and compare offers.
pros
Cheapest premiums at $646 per year
Excellent customer satisfaction reputation
Discounts for seniors and retired individuals
cons
Limited add-on coverages
Below-average claims management
COMPANY HIGHLIGHTS
MoneyGeek found the best car insurance company for seniors in Wyoming is State Farm. It offers the lowest rates for this group. Plus, it has a top-notch customer service rating from J.D. Power.
State Farm has roadside assistance coverage as an optional rider. This pays for labor, towing and delivery expenses if you're stranded.
You can also get rental car and travel coverage from State Farm. This covers your car rental, food and transportation if your vehicle becomes unusable.
State Farm may also offer up to a $500 reimbursement for an accident involving a rental car.
What Makes an Insurer the Best for Seniors?
Drivers in their 60s are often viewed as safe drivers. But, they're often more vulnerable to severe injury in a crash.
If you’re a senior, we suggest getting an insurance policy with comprehensive coverage and personal injury protection (PIP). You can also use senior-specific discounts to lower your auto insurance rates.
State Farm is our choice as the best car insurance provider in Wyoming due to its cheap rates and outstanding customer satisfaction ratings.
Best Car Insurance in Wyoming for Drivers With Offenses
State Farm offers the best car insurance for drivers in Wyoming driving infractions. We analyzed affordability and service quality, and these two came out on top:
- State Farm: MoneyGeek score of 90 out of 100 ($829 per year)
- Allstate: MoneyGeek score of 87 out of 100 ($1,120 per year
Wyoming drivers with driving violations can look at State Farm for the cheapest auto insurance rates. It also has a great customer service reputation.
Getting a driving violation can impact your car insurance rates. On average, Wyoming insurance rates go up by $297 after a speeding ticket, $467 after an at-fault accident and $519 after a DUI. So, shopping around is important.
pros
Lowest rate in Wyoming at approximately $829 per year
Rental car reimbursement and roadside assistance options
Highly-rated customer service
cons
Limited optional coverages and below-average claims management
Lacks accident forgiveness and new/better car replacement coverage
COMPANY HIGHLIGHTS
We recommend State Farm as the best car insurance company for Wyoming drivers with violations. It offers the cheapest rates for risky drivers while providing excellent customer service.
State Farm offers coverages useful for motorists who are prone to accidents. For instance, it has roadside assistance coverage, which covers labor, towing and delivery expenses for covered incidents.
The company also lets you get rental car and travel reimbursement coverage. This pays for your rental, food and transportation expenses if your vehicle becomes unusable due to a covered incident.
What Makes an Insurer the Best for Drivers With Offenses?
Drivers with traffic violations typically face higher insurance rates. If you’re such a driver, look for insurers with low prices and numerous discounts. Those can help make your car insurance affordable.
Finding a company with a great customer service reputation is also a good idea. This can lessen your stress in case of an accident and make claims processing smoother.
Considering the above, we find that State Farm is the best car insurance provider for motorists with driving offenses in Wyoming.
Best Car Insurance in Wyoming for Drivers With New Cars
If you have a new car, the best car insurance company in Wyoming is Farmers.
MoneyGeek analyzed car insurance offers for drivers with a 2022 model car and limited our results to those with new or better car replacement coverage. These are our top picks:
- Farmers: MoneyGeek score of 89 out of 100 ($813 per year)
- Allstate: MoneyGeek score of 78 out of 100 ($1,602 per year)
Farmers stands out due to its great customer service and rates—the cheapest in the state.
Its new car replacement coverage is recommended for drivers with new cars. It ensures that if your new car gets totaled within its first two years, it can be replaced with a new car of the same make and model.
pros
Cheapest premiums at roughly $813 per year
New car replacement coverage
Several add-on coverage options
cons
Subpar claims management
Mediocre customer satisfaction rating
Lacks OEM coverage
COMPANY HIGHLIGHTS
Farmers is MoneyGeek’s pick as the best auto insurance provider for drivers with a new car. It offers affordable premiums and several add-on coverage options.
Unusually, it offers new car replacement coverage. This pays for the replacement cost of your car if it gets totaled.
Farmers also offers portable electronics and media coverage. It's optional insurance covering the replacement costs of tapes, CDs and similar items for your car’s sound system. This coverage extends to your and a resident relative’s property.
What Makes an Insurer the Best for Drivers With New Cars?
Get a solid car insurance policy if you have a new car. We suggest going for providers with new or better car replacement coverage, as this add-on ensures you still get the perks of a newer vehicle even after an accident.
Thanks to all this, Farmers is the best option for Wyoming drivers with new cars.
Best Car Insurance in Wyoming for Military Drivers
USAA is the best car insurance company for Wyoming drivers with a military background. It has a MoneyGeek score of 94 out of 100 and costs approximately $638 per year.
Beyond its rates, its great customer service is tailored to accommodate veterans, active military personnel and their families.
pros
Lowest rate for military drivers at $638 per year
Accident forgiveness coverage as an add-on
Perfect rating for affordability and customer service
cons
Limited coverage options
Below-average claims management
Lacks gap insurance
COMPANY HIGHLIGHTS
MoneyGeek’s research shows USAA is the best car insurance for drivers with military backgrounds. It has received perfect marks for both affordability and customer satisfaction.
Beyond roadside assistance and rental car coverage, USAA includes accident forgiveness as an add-on. If you’ve been accident-free for five years, this prevents a surcharge after your first accident.
Additionally, USAA has several discounts for military members. For example, parking your vehicle on a military base will lower your rates. In addition, you can save up to 60% if you store your vehicle.
USAA also offers a mileage discount, which gives you savings based on how much you drive in a year.
How to Find the Best Car Insurance in Wyoming for You
The best car insurance company in Wyoming balances affordability, customer service and financial stability. MoneyGeek compiled quotes from various insurers to help you find the right provider.
We also prepared a guide to help you start your car insurance research.
1
Research customer service reputations in Wyoming
MoneyGeek compiled the customer service ratings of leading car insurance providers in Wyoming using J.D. Power's customer satisfaction study and NAIC's customer complaint index. These impartial organizations can help you evaluate an insurer's service history.
Additionally, you can visit the Wyoming Department of Insurance website for more details on a specific insurance company.
2
Compare quotes
To get a rough estimate of your car insurance costs, compare quotes from at least three insurers in Wyoming.
MoneyGeek's average rates are based on sample drivers and may not reflect your rates. Insurers take various factors into account when determining premiums.
3
Find the coverages you want in Wyoming
Invest time to see if your preferred insurance company's offers are what you need. Some coverages and discounts are unavailable in certain states.
4
Check financial stability ratings
Get an idea of an insurer's stability by checking their financial strength rating. It shows how capable they may be of meeting their obligations.
Most car insurance companies in Wyoming are big, diversified and at low risk of bankruptcy. It’s still advisable to check the financial stability rating of your preferred insurer, though, especially if you're considering a regional provider.
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in Wyoming
The optimal car insurance for you is determined by your profile and requirements. To help you decide, we've addressed some frequently asked questions about car insurance in Wyoming.
About Mark Fitzpatrick
sources
- J.D. Power. "2022 U.S. Auto Insurance Study." Accessed January 10, 2023.