Cheapest Car Insurance in Wyoming

Compare the cheapest monthly rates by company in Wyoming below based on your age and driving history to get the lowest rate:

Cheapest by coverage type

• Full coverage: American National, $63
• Minimum coverage: GEICO, $15

Cheapest by driver age

• Teen drivers (16) minimum coverage: GEICO, $55
• Teen drivers (16) full coverage: GEICO, $271
• Young drivers (25) minimum coverage: GEICO, $17
• Young drivers (25) full coverage: American National, $72
• Seniors (65+) minimum coverage: GEICO, $18
• Seniors (65+) full coverage: American National, $77

Cheapest by driving record and credit score

• Speeding ticket: State Farm, $22
• At-fault accident: GEICO, $21
• DUI: State Farm, $22
• Bad credit: American National, $94

Rates refreshed: November 16, 2025

GEICO offers Wyoming's cheapest minimum coverage at $15 monthly ($169 yearly), 47% below the state average. American National follows at $19 monthly ($218 yearly), and State Farm at $20 monthly ($234 yearly). Rates in Wyoming are exceptionally inexpensive relative to the rest of the country.  Find more cheap minimum liability-only car insurance options.

Wyoming requires $25,000 for bodily injury per person, $50,000 per accident and $20,000 for property damage (25/50/20). The state stands out by allowing drivers to self-insure with proof of financial responsibility instead of purchasing traditional insurance.

See our guide to how much car insurance you need.

For the most affordable full coverage, American National is cheapest at $63 monthly ($753 yearly), or 27% below state averages. State Farm follows as next least expensive at $72 monthly ($858 yearly).

Do you need full coverage in Wyoming?  Full coverage gives you collision and comprehensive coverage on top of your liability coverage. 

Collision insurance pays to repair your car when you have an at-fault accident, and comprehensive coverage handles damage from storms, floods and car theft, which is valuable in states like Wyoming with harsh winters. If your car value is over $5k, you should strongly consider full coverage.

Wyoming drivers have smaller cost differences between cities than most states. The cheapest minimum coverage starts at $17 in Sheridan and tops out at $19 in Casper, and the lowest cost full coverage runs from $59 in Sheridan to $67 in Casper. American National most often has the lowest premiums among the state’s largest communities and will save you up to 30% versus the city average cost.

For 16-year-olds in Wyoming, GEICO offers the most affordable minimum coverage at $55 monthly and full coverage at $271 monthly. By age 25, rates drop significantly, with GEICO offering the cheapest minimum at $17 per month and American National providing the lowest full coverage at $72 per month. 

Young drivers can cut costs by staying on their parents' family plan rather than purchasing separate policies and grabbing a good student discount.

GEICO has the cheapest minimum coverage for seniors across all ages, ranging from $16 to $18 monthly. Full coverage varies by age, with American National cheapest at ages 65 and 80 ($77 and $80 monthly), while State Farm offers better rates at age 70 ($68 monthly). 

Lower your mileage if you are driving less to save up to 30% and add senior discounts and take a defensive driving course to save another 10%.

For Wyoming drivers with a DUI, State Farm offers the most affordable rates at $22 monthly for minimum coverage and $78 for full coverage. American National provides another low cost option at $39 monthly for minimum coverage and $123 for full coverage. A DUI increases your insurance costs by 50% to 200% in Wyoming compared to drivers with clean records, but the companies above are your best bet for cheap rates after a DUI.

After an at-fault accident, GEICO offers the most affordable minimum coverage at $21 monthly, while State Farm provides the cheapest full coverage at $83 monthly. Farmers and American National provide alternatives. At-fault accidents increase your premiums by 25% to 50% in Wyoming compared to drivers with clean records, but GEICO is your best option for cheap rates.

After a speeding ticket in Wyoming, State Farm provides the most affordable minimum coverage at $22 monthly. Farmers and GEICO follow closely behind, both charging $28 monthly. Expect your rates to increase 15% to 30% after a ticket, but State Farm offers rates that are still very affordable after a ticket.

For Wyoming drivers with poor credit, American National offers the most affordable rates at $94 monthly for minimum coverage and $223 for full coverage. GEICO follows at $108 monthly for minimum coverage. 

Wyoming does allow insurers to use credit-based insurance scores when determining rates, so you will see rates increase almost 3 times on average across coverage types. Based on our analysis, improving your credit score is the fastest way to lowering your car insurance cost.

Boosting your credit score by 50 to 100 points can reduce your insurance rates within six months to a year. Compare quotes every six months while rebuilding credit since insurers evaluate credit scores differently when setting premiums.

The best way to lower your Wyoming car insurance costs is to compare quotes from multiple insurers, apply available discounts, increase your credit score and choose the coverage that matches your needs. Check out our comprehensive guides on how to save on car insurance and car insurance discounts for detailed strategies tailored to your situation.

We gathered auto insurance data from the Wyoming Department of Insurance and analyzed quotes from major insurers across all residential ZIP codes in Wyoming. Our analysis included more than 19 million rate comparisons in Wyoming to find the cheapest options for different driver profiles, coverage types and demographics. For detailed information on our research methodology, see our complete methodology guide.