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Cheapest Car Insurance Companies and Quotes in Wyoming

MoneyGeek ranked the cheapest car insurance carriers in Wyoming based on their comprehensive and collision coverage costs for the average driver. Insurers calculate your vehicle insurance premium based on several personal factors that each provider considers differently. Therefore, it’s a wise idea to compare quotes and average annual rates to see how much you can save on your yearly premium.

Average Comprehensive and Collision Rates in Wyoming

Some auto insurance companies provide significant discounts for high school students with excellent grades, cars with advanced safety features and drivers with clean records. Other providers raise their rates more for drivers with speeding tickets, DUIs or other violations. Therefore, you should shop around to find the best prices and coverage. MoneyGeek’s rates are the approximate premiums for the average driver.

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Cheapest Liability Car Insurance in Wyoming

If you are considering liability-only car insurance, you need to know that this does not cover your medical expenses and damages after an accident. It only covers third-party costs for accidents you cause. However, you can opt to include comprehensive and collision coverage in your policy. While there is a minimum liability requirement in most states, insurance companies generally offer higher optional coverage levels for better protection. GEICO is the cheapest option in Wyoming for most drivers for both the state minimum and a higher 50/100/50 coverage level.

Average Cost for Liability Coverage

The Best Car Insurance Companies in Wyoming for 2021

MoneyGeek provides auto insurance company scores out of 100 by giving equal consideration to industry-standard reports like AM Best’s financial strength rating and J.D. Power’s U.S. Auto Insurance Study, along with unique pricing data.

You can use MoneyGeek’s rankings and reviews to find the best car insurance provider in Wyoming for your unique needs.

Expand All Rankings +

1

USAAScore: 100
+

5/5

User Satisfaction

5/5

Claims Ratings

5/5

Affordability

A++

Financial Stability

2

HartfordScore: 92.5
+

4/5

User Satisfaction

5/5

Claims Ratings

4/5

Affordability

A+

Financial Stability

3

GEICOScore: 85
+

3/5

User Satisfaction

2/5

Claims Ratings

4/5

Affordability

A++

Financial Stability

4

AllstateScore: 82.5
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

5

American FamilyScore: 80
+

4/5

User Satisfaction

2/5

Claims Ratings

3/5

Affordability

A

Financial Stability

6

State FarmScore: 80
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A

Financial Stability

7

FarmersScore: 80
+

3/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A

Financial Stability

8

ProgressiveScore: 80
+

2/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A+

Financial Stability

9

SafecoScore: 77.5
+

3/5

User Satisfaction

3/5

Claims Ratings

2/5

Affordability

A

Financial Stability

10

Liberty MutualScore: 77.5
+

2/5

User Satisfaction

3/5

Claims Ratings

3/5

Affordability

A

Financial Stability

While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.

Market Share by Company

In the state of Wyoming, State Farm holds 22.86% of the market share, making it the largest Wyoming auto insurance company. Choosing to compare car insurance quotes from the largest providers in the state helps ensure that you receive the best quote from a reliable, experienced company.

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

Insurance Rates

What Is the Average Cost of Car Insurance in Wyoming?

MoneyGeek computed the average insurance premium for 100/300/100 collision and comprehensive coverage for a 40-year-old male driver of a Toyota Camry with a clean driving record. Your yearly car insurance cost may be higher or lower than these Wyoming averages based on factors like your age, location, coverage level and driving history.

  • Average Driver: $851
  • DUI: $1,642
  • Speeding Ticket: $1,115
  • Poor Credit Score: $1,367
  • Seniors: $814
  • Students: $1,926

Cheapest Car Insurance for Drivers With a DUI in Wyoming

421 people were killed between 2009 and 2018 in alcohol-related car accidents in Wyoming. 1.9% of Wyoming drivers admit to driving after drinking too much in the previous 30 days.

Even DUI cases that don’t result in a crash will impact your insurance rates. Alongside an increase in your insurance rates, Wyoming drivers cited with a DUI can face up to six months in jail and a 90-day license suspension.

Average Car Insurance Rates With a DUI

A DUI will increase your insurance rates and most drivers see their rates increase overnight. The amount your rates increase and how long a DUI will impact your insurance premium depends on your insurance provider. When shopping for cheap car insurance with a DUI in Wyoming, speak to more than one of the top insurance providers in the state to compare free, personalized car insurance quotes.

Cheapest Car Insurance With Tickets in Wyoming

Whether you are in an accident or not, your rates will likely increase due to a distracted driving or speeding ticket no matter where you live. How much your rates increase and the amount of time a ticket will impact your premium depends on your insurance provider and your previous driving record.

Average Car Insurance Rates With a Ticket

The impact a ticket has on your insurance will depend on the insurance provider you use. However, some insurance companies will offer a reduced premium if you take a defensive driving course. Speak with your insurer and compare car insurance quotes from multiple sources to discuss the best option for you.

Cheapest Car Insurance Companies in Wyoming for Drivers With Bad Credit

When shopping for cheap car insurance in Wyoming, remember that your credit score will likely impact the quotes you receive. The average FICO credit score in the United States was 703 in 2019, but the Wyoming average ranks higher at 712. Wyoming car insurance companies see bad credit as a sign of financial irresponsibility and therefore will likely raise your rates to compensate.

Average Car Insurance Rates for Drivers With Bad Credit

In order to find cheap car insurance with bad credit in Wyoming, first you must understand what types of behaviors and habits impact your credit score and then work to improve your score. When comparing car insurance quotes, ask each company how they factor in credit and discuss reevaluating once you have raised your credit score. Remember that credit score, along with a handful of other personal factors like age and driving history will influence your rates.

Cheapest Car Insurance Companies in Wyoming for Seniors

Senior drivers are often praised for practicing safe driving habits like driving the speed limit and avoiding cell phone use while behind the wheel, but senior drivers face challenges that come with aging. Things like reduced eyesight, slower reaction times and shorter attention spans put seniors at risk for being involved in a car accident. In Wyoming, drivers over the age of 65 accounted for 11% of all fatal crashes in 2017.

Average Car Insurance Rates for Seniors

Because seniors are at a higher risk of being involved in a fatal crash, insurance companies take their age into consideration, along with driving record and other personal factors, when calculating personal car insurance quotes.

Cheapest Car Insurance for Students in Wyoming

Parents or guardians are responsible for their teen drivers in Wyoming. Comparing car insurance premiums can help you find the best rate for your teen driver. You can also help lower your premium by raising your deductible and make sure your teen drives a large-frame sedan with advanced crash protection (not a sports car or SUV).

If you're moving to Wyoming to go to college, you don't need a Wyoming license while attending school. However, if you're a Wyoming student attending college in a different state, let your insurance company know if you'll be driving your car in another state for more than 30 days a year.

Be wary of loaning a car to friends. Most states still hold the vehicle owner liable for damages if the driver isn't insured or has inadequate coverage.

Unfortunately, young drivers are the most at-risk behind the wheel. Teen drivers are three times more likely to be in a fatal crash than drivers over the age of 20. This is largely due to their lack of experience behind the wheel. Along with their age, Wyoming car insurance companies consider other factors when creating quotes, such as their driving history, how far from home they are driving/attending school and how often they drive their vehicle. Speak with your provider about the different options available for cheap car insurance for teenagers in Wyoming.

Average Car Insurance Rates for Students

Insurance Rate Information for Military Drivers and Veterans

If you are one of the 3,000+ active-duty military personnel or a veteran stationed in Wyoming, you are eligible for a variety of benefits and discounts, including reduced rates on auto insurance. There's no special application or procedure; all you need to do is show the insurance company your military ID or a valid veteran's card and you'll get the deal. To get the best deal, compare quotes from at least three carriers, as rates can be quite different.

Unlike some states, Wyoming does not offer extensions to military personnel for vehicle registration renewal, which must be done annually.

Age Savings for Wyoming Service Members

Average Rates for Wyoming service members

male
25 years$1,444
50 years$1,116
female
25 years$1,283
50 years$1,074

Car Insurance in Wyoming: What You Need to Know

Every vehicle owner on Wyoming roads must have either car insurance or a bond or cash deposit that proves they can cover the costs of an accident. Not many people choose the bond or cash options, which leaves car insurance as the main way to go.

Proof of Insurance in Wyoming

Wyoming drivers must show proof of insurance for each vehicle they want to register with the DMV. The state uses an online verification system for instant checks to confirm coverage.

You'll also have to show your insurance card (or a copy of it on your smartphone) when a police officer asks for it or after an accident involving another driver.

Minimum Liability Insurance Requirements in Wyoming

Wyoming requires these minimum levels of auto insurance coverage:

  • $25,000 for injuries per person
  • $50,000 for injuries per accident
  • $20,000 for property damage

High-Risk Auto Insurance Program in Wyoming

High-risk drivers who can’t find standard insurance due to problems with their driving record or other personal factors can contact the Wyoming Automobile Insurance Plan. This plan was enacted by Wyoming legislators in 1948 to ensure coverage for as many Wyoming drivers as possible.

Alternatives to Insurance in Wyoming

Wyoming allows car owners who have at least 26 vehicles to put down a $200,000 bond or cash deposit, plus an additional $100 per car or truck instead of buying insurance.

Drivers with multiple accidents or DUIs may have difficulty getting an insurance company to cover them. Drivers classified as "high risk" may find help through the Wyoming Automobile Insurance Plan. Any insurance agent licensed in Wyoming can help with the application of this plan.

How Much Coverage Do You Need in Wyoming?

Wyoming drivers may want to consider auto insurance coverage that provides protection beyond the state-required minimum. Industry experts typically recommend $100,000 in injury liability coverage per person and $300,000 per accident. You may also want to add collision and comprehensive insurance to cover your vehicle from a wide variety of risks, including accidents, theft, natural disasters and more.

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Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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About the Author


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Nicole Duxbury is a writer for MoneyGeek and a marketing and communications professional based in Reno, Nevada. She has more than five years of professional marketing and communications experience working with clients in finance, travel, food and beverage, CPG, non-profit, higher education and politics. Her work has an emphasis on content writing, social media management, content and digital marketing.


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