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.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage Annual Premium
State FarmA++8210.73.56$1,521
FarmersA7960.83.09$1,623
AllstateA+7830.652.83$2,831
GeicoA++7970.912.82$2,514

Data updated in 2024
Read our full methodology

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.

CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
American National Finance$177$221$827
USAA$164$190$1,230
State Farm$245$297$1,521
Farmers$359$419$1,623
Geico$174$203$2,514
Allstate$624$658$2,831

*USAA offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

Auto insurance calculator

Average auto insurance rates in Wyoming
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
82009 - Cheyenne
For a 30-year-old male
$28 State minimum
$146 Full coverage
$32 Liability only

Most & least expensive ZIP codes for auto insurance in Wyoming

Most Expensive

Zip CodeCityHighest Rate
83414Alta$159
83001Jackson$159
83011Kelly$159
83012Moose$159

Least Expensive

Zip CodeCityLowest Rate
82001Cheyenne$146
82009Cheyenne$146
82007Cheyenne$146
82833Big Horn$149
Data updated in 2024
Read our full methodology

Wyoming 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 insurance 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.

State minimum auto insurance coverage in Wyoming, WY
Company Liability insurance premiumMonthly 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

Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Wyoming by age

American National Finance
Cheapest for teens
$2,614/yr
Learn more
American National Finance
Cheapest for adults
$765/yr
Learn more
American National Finance
Cheapest for seniors
$879/yr
Learn more

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.

Age group
Teen
Age
16
Table
Graph
Farmers$4,042$337
American National Finance$4,408$367
USAA$4,539$378
State Farm$4,960$413
Geico$6,257$521
Allstate$13,376$1,115
Yearly premium

*USAA offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Wyoming by driver profile

American National
Cheapest for at-fault accident
$1,384/yr
Learn more
American National
Cheapest for DUI
$1,565/yr
Learn more
American National
Cheapest for speeding ticket
$1,193/yr
Learn more

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. 

CompanyClean RecordAccidentSpeeding Ticket
American National$827$1,384$1,193
USAA$1,230$1,555$1,394
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 offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

Compare auto insurance rates by city in Wyoming

Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Wyoming.

CityAnnual insurance premium
Casper
$1,724
Cheyenne
$1,676
Data updated in 2024
Read our full methodology

Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.

That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Wyoming have increased or decreased from 2020 to 2023.

Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.

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 deductible.

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.  

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