Cheapest Car Insurance in Wyoming (2026)

Cheapest Car Insurance Companies in Wyoming by Coverage and Driver Profile:

• Cheapest Full Coverage: American National $70/month
• Cheapest Minimum Coverage: American National $19/month
• Cheapest for Teen Drivers, Female Age 16: GEICO $211/month
• Cheapest for Teen Drivers, Male Age 16: GEICO $250/month
• Cheapest for Seniors (65+): American National $72/month
• Cheapest With a Speeding Ticket: Farmers $93/month
• Cheapest With an At-Fault Accident: State Farm $102/month
• Cheapest With a DUI: State Farm $95/month
• Cheapest With Bad Credit: American National $248/month

Cheapest Minimum Coverage in Wyoming

American National has the cheapest minimum coverage in Wyoming at $19 a month, $5 below State Farm’s $24. State Farm's slightly higher rate buys you the best customer experience score of the group, which predicts that State Farm is less likely to drag out a claims resolution than American National is.

Cheapest Full Coverage in Wyoming

American National also has Wyoming’s cheapest full coverage at $70 a month. State Farm and Farmers tie for second at $88, $18 above American National. Although American National is cheapest, it also has the lowest customer experience score of the five carriers in this data. For a full-coverage buyer filing a claim on their own collision or comprehensive damage, that service difference is worth weighing against the $18 monthly savings.  

How to Choose Minimum or Full Coverage in Wyoming

Full coverage costs $51 more a month than minimum at American National, $612 a year extra. A car worth less than $7,000 probably isn’t worth carrying comprehensive and collision for, since the payout could come in below what you’d have paid in premiums over a couple years. Anything financed or leased has to carry full coverage regardless.  

Wyoming’s minimum is 25/50/20 liability: $25,000 for one person’s injuries, $50,000 per accident, $20,000 for property damage. It’s an at-fault state with no personal injury protection, so a minimum policy won’t cover your own medical bills after you cause a crash. 

Uninsured motorist coverage (UM/UIM) is optional in Wyoming, where you'll find one of the lowest uninsured-driver rates in the country (6–9%). It's still worth pricing into your premium even though the exposure it covers is smaller here than in most states.

• Teens & Young Adults (16-25): GEICO at $211/month
• Adults: American National at $70/month
• Seniors (65+): American National at $72/month

GEICO has Wyoming’s cheapest rate for a 16-year-old, $211 a month for a female driver with full coverage added onto a family policy and $250 for a male. From age 17 on, American National takes over as cheapest for both genders, starting at $173 and dropping as the driver ages. 

GEICO offers a good student discount of up to 15% for a B average or better, something American National doesn’t list as an option, so a strong student could close part or all of the price difference between the two at 16 before the carrier switch at 17.

American National has the cheapest rate for seniors in Wyoming at $72 a month for full coverage, $5 below State Farm at $77. 

Seniors are the most likely group to overpay because they tend to stick with the same carrier year after year. The difference between the cheapest and most expensive company in this table — American National at $72 versus Allstate at $138 — is $66 a month, $792 a year left on the table for a senior who hasn’t re-quoted recently.

Wyoming doesn’t require insurers to offer a mature-driver discount, so any discount for completing a defensive driving course is up to the individual company, not a guaranteed cut. Reach out to the insurer and ask about any discounts you could qualify for.

State Farm is cheapest after a DUI in Wyoming at $95 a month for minimum coverage, $83 below Farmers at $178 for the same conviction — the widest difference between cheapest and priciest carrier in the state’s violation data. A Wyoming DUI also triggers an SR-22 filing with the Wyoming Department of Transportation that stays on file for 3 years from the conviction date. State Farm files SR-22s directly and is the cheapest carrier for Wyoming SR-22 coverage, so quote it directly if you recently got convicted of a DUI.

State Farm is cheapest after an at-fault accident too, at $102 a month. Farmers is cheapest after a speeding ticket at $93, and American National is cheapest for texting while driving at $80 and for bad credit at $248.

Minimum coverage in Wyoming is cheapest with GEICO in all its most populous cities, from $13 a month in Casper and Mills to $15 in most of the state’s other largest towns, Cheyenne, Laramie, Jackson and Sheridan included. That $1 to $2 difference is small enough that carrier choice is the biggest deciding factor in what you pay. 

The following rates are for minimum coverage policies, but keep in mind that Wyoming’s elk, deer and antelope create real collision risk on its rural roads, and only comprehensive coverage, not minimum liability, pays for damages to your vehicle from hitting one.

Credit is the biggest lever in Wyoming, $178 a month between a clean and poor credit record at American National, ahead of the $60 per month that switching carriers saves on full coverage. Violation re-shop timing and matching coverage to your car’s value round out the rest.

MoneyGeek analyzed car insurance rates from Quadrant Information Services, collected from state insurance filing records across Wyoming. MoneyGeek scores aren’t shown in the rate tables on this page; see Best Car Insurance in Wyoming for scored rankings. 

Baseline driver profile: 40-year-old male, 2012 Toyota Camry LE, clean driving record, good credit, 12,000 miles annually, and either 100/300/100 full coverage with a $1,000 deductible or Wyoming’s 25/50/20 state minimum for minimum coverage. 

Young drivers: ages 16 to 25, rated separately by gender; Wyoming permits gender as a rating factor. Seniors use a 70-year-old driver profile. Violations use the baseline profile with one driving-record variable changed at a time. Poor credit uses the baseline profile with credit tier changed to poor; Wyoming permits credit-based insurance scoring. 

USAA is excluded from all tables; eligible military members, veterans and their immediate families should include it in any quote comparison.