American National is the cheapest car insurance for most Wyoming drivers at $69 a month for full coverage, and is also cheapest for seniors and nearly every teen age. As a regional carrier, American National sells through local agents and is worth quoting against the big national brands. For minimum coverage, GEICO matches American National's $19 rate but has a better service record and wins every city too. State Farm is cheapest after a speeding ticket, an at-fault accident or a DUI.
Cheapest Car Insurance in Wyoming for 2026
Updated: July 31, 2026
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American National | $19 | 4.25/5 | |
American National | $69 | 4.25/5 | |
Farmers | $310 | 4.26/5 | |
American National | $292 | 4.25/5 | |
American National | $68 | 4.25/5 | |
State Farm | $90 | 4.68/5 | |
State Farm | $97 | 4.68/5 | |
State Farm | $90 | 4.68/5 | |
American National | $39 | 4.25/5 | |
American National | $245 | 4.25/5 | |
GEICO | $13 | 4.50/5 |
American National
American National / Best Cheap Car Insurance for Full Coverage in Wyoming
American National is the best cheap option for full coverage in Wyoming at $69 a month, and its price alone is why earns it that spot. American National's customer experience score is the lowest in the state but nearly the same as the next cheapest option, so it's ideal for someone who mostly wants satisfactory service for less.
Cheapest Car Insurance by Coverage Type in Wyoming
American National | $19 | $69 | 4.25/5 |
State Farm | $23 | $84 | 4.68/5 |
Farmers | $27 | $86 | 4.26/5 |
GEICO | $19 | $107 | 4.50/5 |
Allstate | $55 | $132 | 3.61/5 |
Cheapest Full Coverage in Wyoming
American National has Wyoming's cheapest full coverage at $69 a month, $15 below State Farm at $84. Spending that extra $180 a year buys State Farm's claims service, the best-rated in the state, which helps your own collision or comprehensive claim. State Farm also offers rideshare coverage in Wyoming that American National doesn't, so it's worth asking about if you drive for Uber, Lyft or a delivery app.
Cheapest Minimum Coverage in Wyoming
American National and GEICO tie for the cheapest minimum coverage in Wyoming at $19 a month, so service is what differentiates them. GEICO is the better choice, ranking second in the state for customer experience against American National's last-place score. On a minimum policy, that points to how each insurer treats the other driver's claim after an accident you cause, and GEICO is less likely to contest it.
How to Choose Minimum or Full Coverage in Wyoming
Full coverage costs $50 more a month than minimum in Wyoming, $69 versus $19 at American National. That comes to $600 a year, so minimum coverage makes sense on a car worth less than $1,600, since it won't pay for your own vehicle anyway. Anything financed or leased has to carry full coverage.
Wyoming's minimum is 25/50/20 liability, which covers $25,000 for one person's injuries, $50,000 per accident and $20,000 for property damage. It's an at-fault state with no personal injury protection, so a minimum policy doesn't cover your own medical bills after causing a crash. Uninsured motorist coverage is optional in Wyoming. The state has one of the lowest uninsured-driver rates in the country, so the risk it covers is smaller than elsewhere, though it's still worth considering. Use the Wyoming car insurance calculator to check your numbers and the how much car insurance do you need guide to match your limits.
Cheapest Car Insurance for Teens and Young Adults in Wyoming
American National is the cheapest insurer for teens in Wyoming at almost every age, with Farms being the one exception for 16-year-old males at $310 a month. From 17 and up, American National is cheapest for both genders at every age, starting at $292 for a 16-year-old female and dropping fast as the driver ages, so re-quote every year since the rate keeps falling. On customer experience, American National and Farmers offer similar service quality, so price makes the call, but also consider than a teen driver files more claims than an adult.
American National | $292 | Farmers | $310 | |
American National | $156 | American National | $170 | |
American National | $143 | American National | $156 | |
American National | $96 | American National | $104 | |
American National | $96 | American National | $104 | |
American National | $87 | American National | $94 | |
American National | $79 | American National | $86 | |
American National | $73 | American National | $79 | |
American National | $73 | American National | $79 | |
American National | $64 | American National | $69 |
Cheapest Car Insurance for Seniors in Wyoming
American National is the cheapest for seniors in Wyoming at $68 a month. State Farm is the alternative at $75, about $7 more a month, which instead gets a senior driver the strongest customer experience score in Wyoming, so it's worth it for anyone who expects to file a claim and wants it settled smoothly.
American National | $68 | 3.38/5 |
State Farm | $75 | 3.80/5 |
Farmers | $90 | 3.40/5 |
GEICO | $114 | 3.65/5 |
Allstate | $133 | 3.56/5 |
Cheapest Car Insurance by City in Wyoming
Minimum coverage in Wyoming is cheapest with GEICO in every one of Wyoming's largest cities, including Cheyenne, Casper and Gillette, so what's more important isn't where you live but the coverage you get. Wyoming's roads bring real wildlife and hard-winter risk, and only comprehensive coverage pays for hitting a deer or sliding on ice. If you want to get full coverage, the cheapest choice would then be American National at $69, while GEICO's full coverage rate costs $107.
Casper | GEICO | $13 |
Mills | GEICO | $13 |
Douglas | GEICO | $14 |
Gillette | GEICO | $14 |
Green River | GEICO | $14 |
Rawlins | GEICO | $14 |
Rock Springs | GEICO | $14 |
Sheridan | GEICO | $14 |
Jackson | GEICO | $14 |
Cheyenne | GEICO | $14 |
Buffalo | GEICO | $14 |
Cody | GEICO | $14 |
Evanston | GEICO | $14 |
Lander | GEICO | $14 |
Powell | GEICO | $14 |
Riverton | GEICO | $14 |
Torrington | GEICO | $14 |
Wheatland | GEICO | $14 |
Worland | GEICO | $14 |
Laramie | GEICO | $14 |
Cheapest Car Insurance for High Risk Drivers in Wyoming
State Farm is cheapest for drivers with violations in Wyoming, at $90 a month after a speeding ticket or DUI and $97 after an at-fault accident, and it files the required SR-22 directly. State Farm also has the state's best customer experience score, ideal for drivers expecting to file repeat claims with fewer disputes. American National is cheapest for texting at $79 and poor credit at $245. Wyoming lets each insurer set its own rate-increase window, so re-quote at renewal to see when the increase stops.
Speeding Ticket | State Farm | $90 | 3.80/5 |
At-Fault Accident | State Farm | $97 | 3.80/5 |
DUI | State Farm | $90 | 3.80/5 |
Texting While Driving | American National | $79 | 3.38/5 |
Bad Credit | American National | $245 | 3.38/5 |
How to Get Cheaper Car Insurance in Wyoming
The biggest savings in Wyoming come from your credit and your carrier. Poor credit adds about $176 a month to a full-coverage rate, and switching from the priciest full-coverage insurer to the cheapest saves $63.
- 1
Compare quotes from every company and save $63 per month
Wyoming's full-coverage rates range from American National's $69 a month to Allstate's $132, a $63 difference. Quote American National, State Farm and GEICO before renewing, since the cheapest name changes with your situation.
- 2
Match your coverage to your car's value and save $50 per month
At American National, full coverage costs $50 a month above minimum, $69 versus $19. If your car wouldn't return much in a total loss, choose minimum coverage, but a loan or lease rules it out.
- 3
Bundle home and auto and save about 11%
State Farm has Wyoming's cheapest home and auto bundle at about $2,567 a year, saving roughly 11%. State Farm is also Wyoming's best-rated insurer for service, so bundling there pairs a low price with a strong claims record.
- 4
Re-shop when a violation ages off and save $13 per month
An at-fault accident adds about $13 a month to State Farm's rate, from $84 to $97. Since Wyoming lets each insurer set its own rate-increase window, re-quote at renewal to catch the lower rate once it returns.
- 5
Improve your credit before renewal and recover $176 per month
Credit is the biggest lever in Wyoming. Poor credit raises a full-coverage rate by about $176 a month, and the state permits credit-based pricing, so re-quote once your score improves.
- 6
Ask about each company's discount program
American National: doesn't offer a telematics discount program, but it waives or discounts your deductible if the other driver in an at-fault accident is also insured by American National, and combines your home and auto deductibles into one if both are damaged in the same incident.
State Farm: the Drive Safe & Save program lowers your rate based on monitored driving and doesn't add a rate increase for poor driving.
Farmers: contact your local Farmers agent directly to confirm current discount programs and any Wyoming-filed telematics or usage-based options available in your area.
MoneyGeek analyzed car insurance rates from Quadrant Information Services, collected from state insurance filing records across all residential ZIP codes in Wyoming. Carriers are required to file rates with the state regulator before charging them, so these are filed rates, not estimates or online quote approximations.
Carriers analyzed: Rates were collected from carriers with meaningful market share in Wyoming, including American National, State Farm, Farmers, GEICO and Allstate, among others.
Baseline driver profile: A 40-year-old male driving a 2012 Toyota Camry LE with a clean driving record, good credit and 12,000 miles annually. No prior claims. Full coverage uses 100/300/100 liability limits with a $1,000 deductible for both collision and comprehensive. Minimum coverage uses Wyoming's state-mandated minimums, 25/50/20 liability ($25,000 bodily injury per person, $50,000 per accident, $20,000 property damage).
Profile variations used in this analysis:
- Young drivers: ages 16 to 25, standalone policy, rated separately by gender. Gender is a permitted rating factor in Wyoming.
- Seniors: 70-year-old driver, same vehicle and coverage as the baseline.
- Violations: baseline profile with one driving record variable changed at a time, all other variables held constant. Violations analyzed: speeding 11 to 15 mph over the limit, at-fault accident ($1,000 to $1,999 property damage), DUI (BAC at or above .08) and texting while driving.
- Poor credit: baseline profile with credit tier changed to poor. Wyoming permits credit-based insurance scoring, so credit affects rate in this state.
- Coverage tier: full coverage (100/300/100 with $1,000 deductible) and Wyoming minimum coverage (25/50/20).
USAA exclusion: USAA is excluded from all provider tables; it is available only to military members, veterans and their immediate families. Eligible drivers should include USAA in any quote comparison.
Scoring: MoneyGeek scores carriers on three factors. Affordability (60% of score), normalized rates across all carriers within each driver profile, where a lower rate relative to competitors equals a higher affordability score, calculated separately per driver profile. Customer Experience (30% of score), five components: J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings and Google Business ratings, with 2024 to 2025 data weighted twice as heavily as older data. Coverage Options (10% of score), number of add-on coverages available (80%) and included benefits or unique options (20%).
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the insurance market at LendingTree and MoneyGeek. There, he has analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
Sources
- Insurance Information Institute. "Facts + Statistics: Auto insurance." Accessed August 26, 2026.
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists." Accessed August 26, 2026.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023." Accessed August 26, 2026.