American National provides Wyoming's most affordable car insurance, with monthly rates starting at $19 for minimum coverage and $72 for full coverage. You'll save $12 monthly (21%) compared to state averages. Get quotes from other budget-friendly options like State Farm, GEICO, Farmers and Allstate too.
Cheapest Car Insurance in Wyoming
Updated: August 18, 2025
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Key Takeaways
American National, State Farm and GEICO are the cheapest car insurance companies for most Wyoming drivers, with average savings of up to 21%.
Car insurance costs can be as low as $19 monthly for minimum coverage and $72 for full coverage policies on average in Wyoming.
To get the cheapest car insurance in Wyoming, research average costs and top companies, take advantage of discounts and compare quotes from multiple providers.
Who Has the Cheapest Car Insurance in Wyoming?
| American National | $19 | $72 | -21% |
| State Farm | $21 | $76 | -17% |
| Geico | $15 | $82 | -17% |
| Farmers | $26 | $85 | -4% |
| Allstate | $55 | $130 | 59% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
Best Car Insurance Rates by Category in Wyoming
American National offers the cheapest rates for five out of our 10 driver categories in Wyoming, including young drivers and those with bad credit, while State Farm wins in 4 categories with low rates for drivers with violations. Find your specific rates in the table:
| Young Drivers | American National | $41 |
| Adult Drivers | American National | $18 |
| Senior Drivers | State Farm | $21 |
| Drivers With An Accident | State Farm | $25 |
| Drivers With A DUI | State Farm | $23 |
| Drivers With A Speeding Ticket | State Farm | $23 |
| Drivers With Bad Credit | American National | $100 |
| Drivers With Low Income | American National | $46 |
| Drivers With Newer Cars | American National | $19 |
| Drivers With Old Cars | Geico | $11 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Wyoming for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, American National offers the lowest rates at $223 monthly for drivers with poor credit and an accident who want 100/300/100 coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| American National | $223 | $2,672 | -38% |
| Geico | $281 | $3,375 | -21% |
| Farmers | $383 | $4,597 | 8% |
| Allstate | $399 | $4,784 | 12% |
| State Farm | $496 | $5,950 | 39% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Wyoming by City
Where you live in Wyoming affects your insurance costs based on local crime, accidents and traffic density. American National charges as little as $17 in some cities but up to $22 in others. Here are the cheapest providers for every Wyoming city.
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City:Afton
| Afton | American National | $18 | -27% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Wyoming By Driver Age Group
We analyzed car insurance rates across Wyoming for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from American National: starting at $41 per month
- Adult drivers find the best deals with GEICO: rates from $14 per month
- Senior drivers see the most affordable coverage through GEICO: beginning at $17 per month
Cheapest Car Insurance For Young Drivers in Wyoming
Young drivers in Wyoming get their best rates from GEICO. Minimum coverage costs $34 per month, saving drivers 42% compared to other providers. American National also leads for full coverage at $131 monthly, saving young drivers 36%.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $34 | $414 | -42% |
| American National | $41 | $494 | -30% |
| State Farm | $50 | $603 | -15% |
| Farmers | $57 | $689 | -3% |
| Allstate | $112 | $1,345 | 90% |
Cheapest Car Insurance For Adult Drivers in Wyoming
GEICO offers Wyoming's lowest rates for adult drivers: $14 monthly for minimum coverage and $63 for full coverage.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $14 | $169 | -47% |
| American National | $18 | $218 | -31% |
| State Farm | $19 | $233 | -26% |
| Farmers | $26 | $308 | -3% |
| Allstate | $55 | $659 | 108% |
Cheapest Car Insurance For Senior Drivers in Wyoming
GEICO offers Wyoming seniors the most affordable car insurance rates for both coverage types. Full coverage costs $765 annually, while minimum coverage runs $206 per year.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Geico | $17 | $206 | -47% |
| State Farm | $21 | $253 | -35% |
| American National | $23 | $280 | -28% |
| Farmers | $29 | $342 | -13% |
| Allstate | $73 | $877 | 124% |
Cheapest Car Insurance For High-Risk Drivers in Wyoming
We studied four core areas for profiles insurers consider high-risk in Wyoming including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: American National (From $93/mo)
- Cheapest With a DUI: State Farm (From $22/mo)
- Cheapest With an Accident: GEICO (From $21/mo)
- Cheapest With a Speeding Ticket: State Farm (From $22/mo)
Cheapest Car Insurance For Bad Credit in Wyoming
American National offers the most affordable car insurance in Wyoming for drivers with poor credit. Annual rates start at $1,121 for minimum liability coverage and $2,666 for full coverage policies.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| American National | $93 | $1,121 | -48% |
| Geico | $108 | $1,290 | -40% |
| Farmers | $174 | $2,086 | -3% |
| Allstate | $180 | $2,164 | 1% |
| State Farm | $340 | $4,082 | 90% |
Cheapest Car Insurance With a DUI in Wyoming
State Farm offers Wyoming's lowest rates for drivers with DUIs: $258 annually for minimum coverage and $926 for full coverage.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $22 | $258 | -48% |
| Geico | $35 | $425 | -15% |
| American National | $39 | $467 | -6% |
| Farmers | $49 | $592 | 19% |
| Allstate | $63 | $753 | 51% |
Cheapest Car Insurance With an Accident in Wyoming
GEICO stands out as the most affordable option for Cowboy State drivers with an accident on their record. Our research shows rates as low as $21 per month or $251 per year for basic liability coverage.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Geico | $21 | $251 | -39% |
| State Farm | $24 | $284 | -31% |
| Farmers | $30 | $358 | -13% |
| American National | $31 | $375 | -9% |
| Allstate | $66 | $787 | 92% |
Cheapest Car Insurance With an Speeding Ticket
Wyoming drivers with speeding tickets can find the lowest insurance rates with State Farm. The provider offers minimum coverage at $258 per year, while full coverage costs $926 annually.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $22 | $258 | -34% |
| Farmers | $27 | $325 | -17% |
| Geico | $28 | $330 | -16% |
| American National | $29 | $343 | -13% |
| Allstate | $59 | $707 | 80% |
How to Get the Cheapest Car Insurance in Wyoming
Comparing prices alone won't get you the lowest rates in Wyoming. Here are proven ways to save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from at least three companies through different channels: directly from insurers, independent agents and comparison sites. Your rates can vary widely depending on how you get quotes, so try all these options.
- 2
Determine Your Coverage Needs
Figure out what coverage you need before you shop. This helps you avoid paying for extras you don't need while getting enough financial protection.
- 3
Evaluate Coverage Levels
Lower your coverage levels and raise your deductibles if you're trying to cut costs. First check your finances, how much you drive and what your car is worth to make sure this makes sense.
- 4
Research Costs and Discounts
Look up average costs for drivers like you so you know what's normal. Check what discounts you qualify for and see if bundling home and auto insurance saves you money.
- 5
Look Into Alternative Insurance Options
Check out pay-per-mile insurance or telematics programs that track your driving if you don't drive much. These options can save you money compared to regular policies.
- 6
Improve Your Risk Profile
Improve your credit score and keep a clean driving record. Better credit and safe driving usually mean lower rates over time.
- 7
Choose a Cost-Effective Vehicle
Pick a car that's cheaper to insure if you're buying one. Older, reliable cars usually cost less for insurance and repairs than newer or luxury models.
Risks of Getting the Cheapest Car Insurance in Wyoming
Wyoming requires drivers to carry liability car insurance with minimum coverage of 25/50/20. This means you need $25,000 for injuries to one person, $50,000 total for injuries per accident and $20,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Wyoming, average property damage claims reached $4,711 nationwide in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Wyoming gets hit with severe weather that damages cars regularly. Weather-related incidents cause significant property damage annually, according to the National Centers for Environmental Information. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against floods, hail and high winds.
Bodily injury damage is more likely to exceed minimum limits
Wyoming's minimum bodily injury coverage often falls short of actual medical costs. Average bodily injury claims reached $20,235 nationwide in 2023, according to the Insurance Information Institute. Rising medical costs increase your risk of out-of-pocket expenses. Consider higher coverage limits for better protection.
Not having uninsured motorist coverage opens you up to unexpected costs
Wyoming has an uninsured driver problem, with 8.2% of drivers lacking insurance, according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a problem in Wyoming. Vehicle thefts increased nationwide in 2023, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Wyoming: Bottom Line
American National offers the lowest car insurance rates in Wyoming for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Wyoming: FAQ
Below, our insurance experts answer common questions about finding affordable car insurance coverage in Wyoming.
What are the cheapest car insurance companies in Wyoming?
American National provides the most affordable car insurance in Wyoming, with average annual rates of $228 for minimum coverage and $864 for full coverage. State Farm, GEICO, Farmers and Allstate also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Wyoming?
American National provides the lowest rates for young drivers in Wyoming, with monthly premiums starting at $41.
Who offers the cheapest car insurance rates for seniors in Wyoming?
Senior drivers in Wyoming can get excellent rates from State Farm, with monthly premiums averaging $21 for minimum coverage policies.
Who has the cheapest car insurance in Wyoming for bad credit?
American National provides the lowest rates for bad-credit drivers in Wyoming, with monthly premiums averaging $93 for minimum coverage and $222 for full coverage.
Who has the cheapest car insurance in Wyoming with an accident?
GEICO offers the most affordable car insurance rates for Wyoming drivers with an accident history, starting at $21 per month for minimum coverage.
Who has the cheapest car insurance in Wyoming with a DUI?
State Farm provides the cheapest car insurance after a DUI in Wyoming, with rates of $22 per month for minimum coverage and $77 per month for full coverage.
Who has the cheapest car insurance in Wyoming for those with a speeding ticket?
State Farm provides the lowest rates for Wyoming drivers with a speeding ticket, charging $22 monthly for minimum coverage and $77 for full coverage.
Should you buy the cheapest car insurance in Wyoming?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. American National balances low prices with solid coverage options in Wyoming.
How We Found the Most Affordable Car Insurance in Wyoming
MoneyGeek collected auto insurance data from the Wyoming Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Wyoming.
Wyoming Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Wyoming
We compared car insurance companies in Wyoming that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Wyoming.
The minimum coverage liability limits in Wyoming are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $20,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed August 26, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed August 26, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed August 26, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 26, 2025.