Best & Cheapest Car Insurance Quotes in Wyoming (2023)
Geico has some of the cheapest Wyoming car insurance quotes, at $18 per month for a minimum liability policy and $100 per month for full coverage.
Best cheap car insurance in Wyoming
To help drivers in Wyoming find the best cheap car insurance, our editorial team analyzed rates from top auto insurance companies across each ZIP code in the state.
Quotes for minimum coverage policies meet the WY state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, plus $20,000 in property damage coverage. Quotes for full coverage insurance include comprehensive and collision protection in addition to higher liability limits than state minimums.
Additionally, we rated the best auto insurance companies in Wyoming based on the cost of coverage for different drivers, customer service ratings, coverage availability and convenience.
Cheapest auto insurance quotes in Wyoming: Geico
Geico has the cheapest minimum-coverage car insurance quotes in Wyoming, with average rates of $18 per month — that's 42% cheaper than the state average.
Find Cheap Auto Insurance Quotes in Wyoming
Cheapest WY car insurance companies
Company | Monthly rate | |
|---|---|---|
| Geico | $18 |
| State Farm | $22 |
| Farmers | $39 |
| Allstate | $58 |
| USAA | $16 |
*USAA is only available to current and former military members and their families.
Minimum liability car insurance meets Wyoming's minimum coverage requirements.
Unlike full coverage, minimum coverage doesn't include comprehensive and collision insurance, which protects you from damage after a collision, regardless of who’s at fault, in addition to theft, vandalism or storms.
Although full coverage usually costs more, purchasing higher liability coverage limits and adding comprehensive and collision coverage is a good idea if you have a newer car or you drive a lot. You might be required to have full coverage if you have a car loan or lease.
The average difference in cost between full- and minimum-coverage car insurance in Wyoming is $95 per month.
Cheapest full coverage quotes in Wyoming: State Farm
State Farm and Geico are the cheapest full-coverage auto insurance companies in Wyoming, with rates around $100 per month. That's at least 19% cheaper than average.
The average cost of a full-coverage car insurance policy in Wyoming is $126 per month, or about $1,515 per year.
Cheapest WY car insurance for full coverage
Company | Monthly rate |
|---|---|
| State Farm | $100 |
| Geico | $102 |
| Farmers | $163 |
| Allstate | $188 |
| USAA | $79 |
*USAA is only available to current and former military members and their families.
Cheap car insurance for drivers with prior incidents
State Farm has the cheapest rates for drivers in Wyoming with violations on their records, such as a traffic ticket or DUI citation. Getting a ticket or making an accident claim means you will usually have higher car insurance quotes.
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Cheapest car insurance in Wyoming for people with a speeding ticket: State Farm
State Farm has the cheapest auto insurance quotes in Wyoming for drivers with a speeding ticket, at $108 per month.
Company | Monthly rate |
|---|---|
| State Farm | $108 |
| Farmers | $171 |
| Geico | $197 |
| Allstate | $213 |
| USAA | $89 |
Cheapest for WY drivers with an accident: State Farm
State Farm has the cheapest full-coverage car insurance quotes for Wyoming drivers with an accident on their driving records. State Farm's rate of $116 per month is 28% cheaper than average and 23% cheaper than Geico, the next-cheapest company.
Company | Monthly rate |
|---|---|
| State Farm | $116 |
| Geico | $150 |
| Farmers | $187 |
| Allstate | $256 |
| USAA | $98 |
Just one accident and claim filing on your driving record can increase your car insurance quotes by $36 per month, or $424 per year.
Cheapest car insurance for Wyoming drivers with a DUI: State Farm
State Farm offered the best quotes if you have a DUI or DWI on your driving record in Wyoming, at an average of $108 per month.
Drivers in Wyoming pay, on average, 64% higher rates for full-coverage auto insurance after getting a DUI. This means an average rate overall of $2,490 per year for DUI insurance.
Company | Monthly rate |
|---|---|
| State Farm | $108 |
| Allstate | $231 |
| Geico | $253 |
| Farmers | $302 |
| USAA | $144 |
Cheapest car insurance for drivers with poor credit: Geico
Geico has the best quotes for drivers with poor credit scores, at $141 per month. In Wyoming, drivers with poor credit pay 60% higher auto insurance rates than those with good credit.
Farmers had the smallest price increase based on credit — drivers with poor credit would only pay 20% more on average than those with good credit.
Company | Monthly rate |
|---|---|
| Geico | $141 |
| State Farm | $166 |
| Farmers | $195 |
| Allstate | $283 |
| USAA | $227 |
Cheapest car insurance for teen drivers in Wyoming: Geico
Geico has the best quotes for young drivers shopping for the cheapest car insurance in Wyoming. Geico's rate of $59 per month is notably cheaper than State Farm's $71 per month.
The average cost of car insurance for 18-year-old drivers in Wyoming is $92 per month or $1,109 per year.
Car insurance for young drivers is often much more expensive than for drivers in their 30s or 40s. The average cost of full-coverage car insurance is $4,736 per year for young drivers in Wyoming, more than three times higher than it is for older drivers.
Cheapest WY car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $59 | $296 |
| State Farm | $71 | $316 |
| Farmers | $107 | $471 |
| Allstate | $179 | $668 |
| USAA | $46 | $223 |
Cheapest car insurance for young drivers after a ticket: Geico
Geico is the best company for a young driver after a speeding ticket, where the typical price was $73 per month — 30% less than the typical rate.
A speeding ticket can significantly increase car insurance costs for younger drivers. In Wyoming, 18-year-old drivers with a speeding ticket pay 13% more for car insurance.
Company | Monthly rate |
|---|---|
| Geico | $73 |
| State Farm | $79 |
| Farmers | $113 |
| Allstate | $206 |
| USAA | $49 |
Cheapest car insurance quotes for teen drivers after an accident: Geico
Geico offers, on average, the most affordable car insurance quotes for young people who have been in an accident, with prices 45% below average. At-fault accidents will cause the cost of your car insurance policy to increase by 17%, and the impact can be harsher for young drivers who already face expensive premiums.
Company | Monthly rate |
|---|---|
| Geico | $65 |
| State Farm | $88 |
| Farmers | $124 |
| Allstate | $208 |
| USAA | $55 |
Cheapest car insurance quotes for married drivers: Geico
Geico has Wyoming's cheapest rates for married drivers, at $96 per month for a full coverage policy.
Married drivers frequently get cheaper auto insurance quotes than single drivers, though not all insurance companies offer discounts to married drivers. This discount is about average in Wyoming, with average married drivers paying 4% or $53 less per year than single drivers.
Company | Monthly rate per car |
|---|---|
| Geico | $96 |
| State Farm | $100 |
| Farmers | $163 |
| Allstate | $180 |
| USAA | $71 |
Best auto insurance companies in Wyoming
USAA is the best insurance company in Wyoming, based on average quotes, coverage options and customer satisfaction ratings.
If you are not eligible for USAA, which is only available to members of the military, veterans and their families, State Farm is also a good company based on cost and customer support.
The cheapest car insurance company for you may not have the best customer service. Good customer service is an important factor as a company with a smooth claims process can get your life back to normal faster after an accident.
Best WY car insurance
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Farmers | 815 | A | |
| Allstate | 824 | A+ |
Average car insurance cost in Wyoming, by city
The cheapest Wyoming cities for car insurance are Big Horn, Ranchester and Sheridan, averaging $122 per month.
The most expensive cities for auto insurance quotes in Wyoming are Hoback, Jackson, Moose-Wilson Road, South Park, Teton Village and Wilson. The average cost in each of these cities is $133 per month.
City | Average monthly cost | Percentage from average |
|---|---|---|
| Afton | $126 | 0% |
| Aladdin | $129 | 2% |
| Albin | $126 | 0% |
| Alcova | $127 | 1% |
| Alpine | $126 | 0% |
Minimum auto insurance requirements in Wyoming
Wyoming drivers need to have a minimum amount of auto insurance. The state only requires drivers to have liability insurance with minimum limits that are often listed as 25/50/20.
Coverage | Minimum limits |
|---|---|
| $25,000 per person / $50,000 per accident | |
| $20,000 per accident |
Frequently asked questions
What is the best car insurance in Wyoming?
USAA is the best overall car insurance company in Wyoming. It has the best customer service scores, along with the cheapest full-coverage insurance rates. If you are not eligible for USAA, State Farm is the next most affordable company, with cheap rates for drivers with a speeding ticket or an accident.
How much does car insurance cost in Gillette, Wyoming?
Drivers in Gillette can expect to pay $139 per month, or $1,558 per year, for a full-coverage insurance policy, which is 3% more than the state average. In comparison, drivers in Cheyenne pay $125 per year, while those in Sheridan pay a lower rate at $122 per month.
What are the auto insurance requirements in Wyoming?
Wyoming requires drivers to purchase car insurance with a minimum of $25,000 of bodily injury liability per person and $50,000 per accident, along with $20,000 of property damage liability per accident.
Methodology
We collected thousands of rates from every ZIP code in Wyoming for a 30-year-old man who drives a 2015 Honda Civic EX and has good credit.
Each policy, unless otherwise noted, is a full-coverage policy with liability, collision and comprehensive coverage:
Coverage type | Limits |
|---|---|
| Bodily liability | $50,000 per person/$100,000 per accident |
| Personal injury protection | $10,000 |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.