- Average cost of car insurance in Wyoming
- Best car insurance in Wyoming: State Farm
- Cheapest car insurance in Wyoming: American National Finance
- Wyoming car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Wyoming
- Cheapest car insurance cost in Wyoming by age
- Cheapest car insurance companies in Wyoming by driver profile
- Compare auto insurance rates by city in Wyoming
- Car insurance premium trends in Wyoming
- Methodology
- Compare Wyoming car insurance rates with other states
Average cost of car insurance in Wyoming
The average car insurance rate in Wyoming is $1,758 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Wyoming is $288.
Best car insurance in Wyoming: State Farm
State Farm is the best car insurance company in Wyoming, based on an analysis by Insurance.com, with an overall rating of 3.56. Farmers came in second.
Below is a full list of the top Wyoming insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| State Farm | A++ | 821 | 0.7 | $1,521 | 3.56 |
| Farmers | A | 796 | 0.8 | $1,623 | 3.09 |
| Allstate | A+ | 783 | 0.65 | $2,831 | 2.83 |
| GEICO | A++ | 797 | 0.91 | $2,514 | 2.82 |
Cheapest car insurance in Wyoming: American National Finance
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Wyoming and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, American National Finance is the cheapest auto insurance company in Wyoming, with average rates of $827 annually for full coverage.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| American National Finance | $177 | $221 | $827 |
| State Farm | $245 | $297 | $1,521 |
| Farmers | $359 | $419 | $1,623 |
| GEICO | $174 | $203 | $2,514 |
| Allstate | $624 | $658 | $2,831 |
| USAA | $164 | $190 | $1,230 |
*USAA offers car insurance only to military members, veterans and their families.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Wyoming
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Teton Village | $1,910 | $159 |
| Moose Wilson Road | $1,910 | $159 |
| Jackson | $1,910 | $159 |
| Moose | $1,907 | $159 |
| Alta | $1,907 | $159 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Cheyenne | $1,750 | $146 |
| Ranchester | $1,788 | $149 |
| Sheridan | $1,788 | $149 |
| Wyarno | $1,788 | $149 |
| Big Horn | $1,788 | $149 |
The Wyoming Department of Insurance says...
Do your research: The lowest quote may not always be the best choice. Before making a payment, do your homework. Talk with friends and family about their auto insurance experiences. Check with the Wyoming Department of Insurance to verify that the company and agent (if you are dealing with one) are licensed in your state. You should also inquire about complaints made against the company.
- The Wyoming Department of InsuranceWyoming car insurance requirements
You need car insurance with minimum coverage levels of 25/50/20 in Wyoming, which costs $287 each year or $24 each month.
Minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. requirements for Wyoming:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD):$20,000 per accident
Cheapest car insurance companies for minimum liability coverage in Wyoming
According to Insurance.com, American National Finance has the cheapest state minimum liability coverage, at $177 per year or $15 each month. USAA offers cheaper rates but is available only to military veterans and their families.
Here are the most affordable car insurance companies for state minimum coverage in Wyoming.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| USAA* | $167 | $14 |
| American National Finance | $177 | $15 |
| GEICO | $182 | $15 |
| State Farm | $245 | $20 |
| Farmers | $359 | $30 |
| Allstate | $627 | $52 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Wyoming by age
In Wyoming, car insurance rates are higher for teenagers; they’re more likely to be involved in an accident.
American National Finance offers the cheapest car insurance for teen drivers in Wyoming at $2,614 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Wyoming, American National Finance offers the cheapest full coverage car insurance for adult and senior drivers at $765 per year and $879 per year, respectively.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| Farmers | $4,042 | $337 |
| USAA | $4,539 | $378 |
| State Farm | $4,960 | $413 |
| GEICO | $6,257 | $521 |
| Allstate | $13,376 | $1,115 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Wyoming by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay higher insurance rates.
However, the severity and frequency of the incidents also play a role in insurance rates. For instance, drivers with a single minor accident will see smaller increases in their rates compared to those with multiple major accidents.
Below are average Wyoming rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| American National | $827 | $1,384 | $1,193 |
| State Farm | $1,521 | $1,765 | $1,642 |
| Farmers | $1,623 | $2,285 | $2,288 |
| Allstate | $2,831 | $3,870 | $3,229 |
| GEICO | $2,514 | $3,778 | $4,992 |
| USAA | $1,230 | $1,555 | $1,394 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Wyoming
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Wyoming will impact what you pay. Below, we've gathered Wyoming car insurance rates by city for comparison.
Car insurance premium trends in Wyoming
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Wyoming to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
Compare Wyoming car insurance rates with other states
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