Cheapest Car Insurance In Wyoming (2024)
The cheapest car insurance in Wyoming comes from American National at $16 per month on average.
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Due to the increasing costs of car insurance, it is advisable for drivers in Wyoming to compare different policy choices in order to find the coverage that is most budget-friendly. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, customer satisfaction, coverage options, and average premiums of each provider.
In this review, we’ll discuss the most effective methods to save money on insurance and where you can locate the most affordable car insurance in Wyoming based on your driving record.
Key Points
- American National is the cheapest car insurance company in Wyoming overall, with an average rate of $16 per month for minimum coverage and $99 per month for full coverage.
- GEICO and USAA also offer affordable car insurance rates for many driver profiles.
- If you are a driver under the age of 25 or have received traffic violations, your car insurance rates will be higher than the average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | American National | $16 | $188 |
| Full coverage | American National | $99 | $1,189 |
| 16-year-olds | GEICO | $58 | $690 |
| 45-year-olds | American National | $13 | $153 |
| High-risk drivers | USAA | $27 | $321 |
| After a speeding ticket | USAA | $20 | $245 |
| After an accident | USAA | $23 | $279 |
| After a DUI | State Farm | $27 | $322 |
| Poor credit drivers | GEICO | $16 | $192 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Wyoming?
Overall, our research indicates that American National provides the most affordable car insurance in Wyoming for the majority of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Wyoming.
These rates are for drivers in Wyoming who are of different ages, live in different places, and have different driving experiences. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Wyoming: American National
Drivers looking for the most affordable coverage that just meets Wyoming state minimum requirements may find it at American National for about $16 per month or $188 per year on average.
| Cheapest Car Insurance in Wyoming | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| American National | $16 | $188 |
| GEICO | $16 | $192 |
| USAA | $18 | $217 |
| State Farm | $24 | $289 |
| Farmers | $34 | $403 |
| Allstate | $56 | $670 |
Cheapest Full Coverage In Wyoming: American National
If you want the most comprehensive coverage at the best price, American National is the best choice. The provider offers full-coverage insurance for an average of $99 per month.
Full-coverage insurance policies in Wyoming generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Wyoming | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| American National | $99 | $1,189 |
| USAA | $119 | $1,425 |
| Farmers | $126 | $1,515 |
| State Farm | $141 | $1,691 |
| GEICO | $200 | $2,402 |
| Allstate | $250 | $3,006 |
Cheapest Car Insurance In Wyoming: Age
Below, you’ll find average insurance costs for Wyoming drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. Most drivers aged 30 to 55 usually pay lower auto insurance rates since they have more road experience. Additionally, they have a lower chance of getting into accidents compared to younger drivers, according to statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $118 | $591 |
| 25 | $28 | $167 |
| 35 | $26 | $144 |
| 45 | $25 | $139 |
| 55 | $24 | $131 |
Cheapest Wyoming Car Insurance: Young Drivers
As mentioned, new drivers and early 20s typically pay the most expensive car insurance rates. That’s mostly because these drivers have limited practice driving and are more likely to ignore traffic rules and get into accidents.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Wyoming Car Insurance For 16-Year-Olds: GEICO
If you’re a teen driver or the parent of one, GEICO may be your best bet for finding the most affordable car insurance in Wyoming.
The company’s cheapest average rates for 16-year-old drivers are $58 per month or $690 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $381 per month or $4,568 per year from Farmers.
| Cheapest Car Insurance in Wyoming | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $58 | $560 |
| USAA | $58 | $408 |
| State Farm | $85 | $493 |
| Farmers | $95 | $381 |
| American National | $113 | $548 |
| Allstate | $298 | $1,155 |
Cheapest Wyoming Car Insurance For 25-Year-Olds: American National
Car insurance rates for young drivers in their 20s are much lower than what teen drivers have to pay. Nevertheless, the rates for this age group can still be quite expensive, depending on the insurance company you go with.
American National provides the cheapest car insurance costs on average at $16 per month or $196 per year for minimum coverage. American National costs $103 per month or $1,240 per year for full coverage.
| Cheapest Car Insurance in Wyoming | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| American National | $16 | $103 |
| GEICO | $17 | $218 |
| USAA | $20 | $134 |
| State Farm | $27 | $156 |
| Farmers | $34 | $129 |
| Allstate | $56 | $264 |
Cheapest Wyoming Car Insurance: Adult Drivers
Auto insurance rates are typically the lowest for drivers who are in their forties. You can compare average rates of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Wyoming Car Insurance For 35-Year-Olds: GEICO
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from GEICO. The company offers average minimum-coverage costs of $15 per month or $179 per year. For full coverage, American National’s rates average $95 monthly or $1,138 annually.
| Cheapest Car Insurance in Wyoming | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $15 | $183 |
| American National | $15 | $95 |
| USAA | $16 | $103 |
| State Farm | $21 | $125 |
| Farmers | $33 | $123 |
| Allstate | $56 | $237 |
Cheapest Wyoming Car Insurance For 45-Year-Olds: American National
Forty-five-year-old drivers may find the most affordable minimum coverage from American National, with average rates of $13 per month or $153 per year. The cheapest full coverage comes from American National at $79 per month or $952 per year.
| Cheapest Car Insurance in Wyoming | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| American National | $13 | $79 |
| USAA | $15 | $96 |
| GEICO | $15 | $183 |
| State Farm | $21 | $122 |
| Farmers | $32 | $118 |
| Allstate | $56 | $237 |
Cheapest Wyoming Car Insurance For 55-Year-Olds: American National
American National typically offers the best car insurance rates in Wyoming for drivers who are in their 50s. The insurer’s average premiums are $13 monthly or $153 annually for minimum coverage. The cheapest full coverage option is from American National, costing $79 monthly or $952 annually.
| Cheapest Car Insurance in Wyoming | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| American National | $13 | $79 |
| GEICO | $14 | $169 |
| USAA | $14 | $89 |
| State Farm | $19 | $110 |
| Farmers | $30 | $111 |
| Allstate | $56 | $225 |
Cheapest Car Insurance In Wyoming: High-Risk Drivers
Besides the kind of coverage you choose and your age, how safely you drive greatly affects the cost of your car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including fines for speeding, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered to be high-risk pay car insurance rates that are higher than the average cost. This is because they have multiple violations on their driving records. On average, Wyoming motorists who are deemed high-risk may find the most affordable rates from USAA for minimum coverage or State Farm for full coverage.
| Cheapest Car Insurance in Wyoming | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $27 | $167 |
| State Farm | $28 | $156 |
| American National | $31 | $164 |
| GEICO | $31 | $386 |
| Farmers | $47 | $178 |
| Allstate | $65 | $314 |
Cheapest Wyoming Car Insurance For Drivers With A Speeding Ticket: USAA
Drivers with a speeding citation on their record can generally find the most affordable coverage from USAA, with average rates of $20 per month or $245 per year for minimum coverage and $135 per month or $1,617 per year for full coverage.
| Cheapest Car Insurance in Wyoming | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $20 | $135 |
| American National | $26 | $142 |
| State Farm | $27 | $152 |
| GEICO | $31 | $381 |
| Farmers | $36 | $134 |
| Allstate | $60 | $287 |
Cheapest Wyoming Car Insurance For Drivers With An At-Fault Accident: USAA
If you have a car accident in Wyoming, your car insurance rates might go up. USAA tends to offer the most affordable rates on average at about $23 per month or $279 per year for minimum coverage and $148 per month or $148 per year for full coverage.
| Cheapest Car Insurance in Wyoming | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $23 | $148 |
| GEICO | $24 | $292 |
| State Farm | $30 | $164 |
| American National | $31 | $164 |
| Farmers | $39 | $149 |
| Allstate | $70 | $345 |
Cheapest Wyoming Car Insurance For Drivers With A DUI: State Farm
If you’re a motorist with a DUI on record, you may find the cheapest minimum car insurance in Wyoming from State Farm for $27 per month or $322 per year on average. They also have rates of $152 monthly or $1,827 annually for full coverage.
| Cheapest Car Insurance in Wyoming | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $27 | $152 |
| American National | $36 | $186 |
| USAA | $37 | $217 |
| GEICO | $39 | $487 |
| Allstate | $65 | $312 |
| Farmers | $66 | $253 |
Cheapest Wyoming Car Insurance For Drivers With Poor Credit: GEICO
People who have bad credit have to spend more money on car insurance. Those who don’t have the best credit history may want to check out GEICO, which has an average minimum-coverage rate of $22 per month or $264 per year and an average full-coverage rate of $275 per month or $3,303 per year.
| Cheapest Car Insurance in Wyoming | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $22 | $275 |
| American National | $23 | $141 |
| Farmers | $40 | $152 |
| State Farm | $40 | $235 |
| USAA | $41 | $356 |
| Allstate | $70 | $381 |
Average Cost Of Car Insurance In 10 Wyoming Cities
Your location in Wyoming also impacts the cost of your car insurance. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people
- There are an increasing number of cars on the road.
- More car accidents happening at a greater frequency.
- More instances of breaking traffic rules
- More incidents of car theft and car vandalism
- Crazy weather conditions
Certain factors that increase the possibility of risks have a greater impact on people who own cars in big cities. This is why drivers in busy urban areas pay the highest overall price for minimum car insurance coverage. On the other hand, drivers in rural regions with lower crime rates and smaller populations tend to have access to more affordable rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Cheyenne | $29.55 | $148.99 |
| Casper | $31.20 | $153.53 |
| Gillette | $27.37 | $160.33 |
| Rock Springs | $27.54 | $156.95 |
| Riverton | $25.47 | $156.54 |
| Laramie | $25.47 | $156.72 |
| Sheridan | $24.44 | $151.74 |
| Cody | $24.94 | $156.34 |
| Evanston | $24.85 | $155.69 |
| Jackson | $27.90 | $162.94 |
Top 5 Car Insurance Companies In Wyoming
We have looked at more than 40 insurance companies in Wyoming. We considered their coverage, service, reliability, and cost. As a result, we found the top five insurers for Wyoming residents. Based on our research, we found American National to be the best provider for most drivers in Wyoming. Here are the ratings for our top picks.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5 | 4.5 |
| #2 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #3 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
| #4 Allstate | 4.4 | 3.8 | 4.6 | 4.8 | 4.2 |
| #5 Farmers | 4.3 | 3.5 | 4.5 | 4.3 | 4.3 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Wyoming
In Wyoming, you have a few options to reduce how much you pay for car insurance. These include:
- Opting for minimum coverage: Choosing the minimum coverage needed in your state will give you the most affordable car insurance available.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Obtaining quotes from various companies can give you an idea of which provider will give you the best deal.
Many insurance companies offer usage-based insurance programs, which can help you save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you may receive a big discount. However, certain programs may increase your rates if you display unsafe driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Wyoming Require For Car Insurance?
Drivers in Wyoming must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $20,000 property damage liability per accident
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Wyoming
When it comes to both minimum and full coverage, American National is the best and cheapest auto insurance company for most drivers in Wyoming. While the above costs can give you an idea of what you’d pay for car insurance in Wyoming, getting a personalized quote will help give you a more accurate picture of what you’ll pay.
Many companies offer quick and free tools online that you can use to get a price quote. Alternatively, you can contact an insurance agent or representative directly at the company. Once you have gathered quotes from at least three different providers, compare them to find the one that suits you best.
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Best Cheap Car Insurance In Wyoming: FAQ
Here are some frequently asked questions about car insurance in Wyoming:
How much is car insurance per month in Wyoming?
Is Wyoming Car Insurance Cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.