The best car insurance in Wyoming

Meredith Napolitano

By

Meredith Napolitano

Meredith Napolitano

Freelance contributor

As a content writer, Meredith has written most extensively about home renovation, vocational training, the automotive industry, real estate, family law, and data protection.

Published November 10, 2021

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The average cost of full coverage car insurance in Wyoming is $1,398 a year, slightly lower than the national average in the U.S..

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But Wyoming drivers can still find ways to save money on car insurance. Policygenius can show you quotes from top companies so you can choose the coverage that’s right for you at a price that’s right for your budget.

Key Takeaways

  • American National has the lowest average rate for full coverage in Wyoming at $763 per year

  • The cheapest company for 21-year-old drivers in Wyoming is USAA

  • Wyoming requires drivers have at least $25,000 person/$50,000 accident in bodily image liability coverage and $20,000 in property damage liability coverage

  • Personal injury protection and uninsured/underinsured motorist coverage are optional in Wyoming

Cheapest car insurance companies in Wyoming

Your ZIP code, driving history, and age are some of the factors that go into what you’ll be charged for car insurance. Every insurance company will look at the same data when setting your rates, but since each company has its own system, two companies can look at the same driver and offer very different prices for coverage.

Company

Average cost

JD Power Rating

American National

$763

--

USAA

$936

890

State Farm

$1,233

881

Farmers

$1,437

872

GEICO

$1,440

871

Cheapest car insurance companies by age in Wyoming

Drivers under 25 are more expensive to insure, because younger drivers are statistically more likely to be involved in accidents, speed, and text while driving. 

After age 25, however, young drivers are no longer part of that risky age group and, as long as they’ve avoided accidents and driving violations, should see a drop in premiums.

Age

Cheapest company

Average cost

16

USAA

$3,390

18

American National

$2,417

21

USAA

$1,392

25

American National

$884

30

American National

$805

35

American National

$805

45

American National

$678

55

American National

$678

Choosing the right car insurance company in Wyoming

Every driver has unique factors that go into determining their rate, and will need to compare policies to find the right coverage for them at the right price. 

Young drivers, for example, will need to shop around for a policy that doesn’t charge them too much extra because of their age, while drivers who value premium service should check claims satisfaction ratings and available perks. Policygenius can help you easily compare options from top companies and find a policy that meets your needs.

Car insurance rates for drivers with driving violations in Wyoming

Any accidents or violations in your driving history will negatively impact your car insurance rates. The more serious the violation, the longer it will stay on your record and the more you’ll pay for coverage. 

However, after several years, most violations will “fall off” the record that’s visible to insurance companies. As long as you keep your driving record clean in the years following an accident or violation, your rates should go back down eventually.

Violation

American National

USAA

State Farm

Farmers

GEICO

At-fault Accident

$1,388

$1,268

$1,444

$1,737

$2,237

DUI

$1,576

$1,858

$1,343

$2,961

$3,818

Driving with a suspended license

$1,666

$1,757

$1,343

$2,961

$1,489

Driving with an open container

$1,388

$1,412

$1,343

$1,475

$1,489

Driving with expired registration

$1,188

$1,153

$1,343

$1,475

$1,489

Driving without Lights

$1,188

$1,019

$1,343

$1,562

$1,489

Failure to show documents

$1,188

$1,153

$1,343

$1,475

$1,489

Failure to stop at a red light

$1,188

$1,153

$1,343

$1,562

$1,489

Cheapest car insurance for drivers with bad credit in Wyoming

Drivers with bad credit are considered a higher risk to insure, and will typically pay more for car insurance. However, your credit score is not the only factor that car insurance companies consider — age, driving history, and ZIP code all have a greater impact.

Company

Rates for drivers with bad credit

American National

$1,151

Farmers

$1,772

GEICO

$2,048

State Farm

$2,069

USAA

$2,980

Car insurance costs in Wyoming cities

Car insurance costs in Wyoming are generally lower than the national average, but vary depending on where in the state you live. Rates in cities are typically higher than rates in more rural areas.

  • Cheyenne: $1,447

  • Casper: $1,385

  • Laramie: $1,395

  • Gillette: $1,442

  • Rock Springs: $1,364

  • Sheridan: $1,333

  • Evanston: $1,393

  • Green River: $1,360

  • Jackson: $1,448

  • Riverton: $1,377

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Buying car insurance in Wyoming

The Wyoming minimum liability requirements are $25,000 per person and $50,000 per accident in body liability coverage and $20,000 in property damage liability coverage. Uninsured/underinsured motorist coverage is optional in Wyoming. 

Wyoming is an at-fault state. That means that after an accident, the driver found at-fault for the accident will be legally and financially responsible for any damage or injuries. Having higher levels of liability coverage is a smart way to make sure you are protected in the event of an at-fault accident. In addition, adding comprehensive and collision coverage are important if you cannot afford to repair or replace your vehicle out-of-pocket after an accident.

How to get cheap car insurance in Wyoming

Most car insurance companies offer a range of discounts that can help drivers save money. Some of the most common include:

  • Bundling discount

  • Safe driver discount

  • Good student discount

  • Accident free discount

  • Group/Employer/Professional discount

  • Low mileage discount

  • Military discount

If you are not eligible for any discounts, you can still find the cheapest rates by comparing different insurers and levels of coverage.

Frequently asked questions

Why is car insurance more expensive for young drivers in Wyoming?

Teens and young adults are statistically more likely to be involved in an accident because of their lack of experience, and this risk factor means young drivers will see higher rates. Young adults are also more likely to speed, text while driving, and have driving violations.

Will my gender impact my insurance rates in Wyoming?

There is no law that prohibits basing premiums on gender in Wyoming, so your gender will be factored into your insurance risk score. However gender will not make a noticeable difference in your premiums with most companies.

What is collision coverage?

Collision coverage covers the costs of repairs to your own car after an accident, so if you cause a crash or back into a telephone pole, collision coverage pays to repair or replace your car. It requires an out-of-pocket deductible, typically of $500 or $1,000.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.