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 companies 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.

Best car insurance companies in Wyoming
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

Cheapest car insurance companies 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.

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
$135 Full coverage
$31 Liability only
View most and least expensive zip codes

Most & least expensive ZIP codes for auto insurance in Wyoming

Most Expensive

Zip CodeCityHighest Rate
83014Moose Wilson Road$147
83025Teton Village$147
83001Hoback$147
83012Moose$146

Least Expensive

Zip CodeCityLowest Rate
82007Cheyenne$134
82001Cheyenne$135
82009Cheyenne$135
82801Sheridan$137

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.

Cheapest car insurance by age in Wyoming
Age Company Average annual premium 
Teens (16-19)American National Finance$2,614
Teens (16-19)USAA*$3,632
Teens (16-19)Farmers$3,939
Teens (16-19)State Farm$4,336
Teens (16-19)Geico$5,910
Teens (16-19)Allstate$9,790
Young Adults (20-24)American National Finance$1,265
Young Adults (20-24)USAA*$1,918
Young Adults (20-24)State Farm$2,555
Young Adults (20-24)Farmers$3,073
Young Adults (20-24)Geico$3,823
Young Adults (20-24)Allstate$4,267
Adults (25-60)American National Finance$765
Adults (25-60)USAA*$1,246
Adults (25-60)State Farm$1,478
Adults (25-60)Farmers$1,605
Adults (25-60)Geico$2,483
Adults (25-60)Allstate$2,803
Seniors (65-75)American National Finance$879
Seniors (65-75)USAA*$1,198
Seniors (65-75)State Farm$1,370
Seniors (65-75)Farmers$1,704
Seniors (65-75)Geico$2,770
Seniors (65-75)Allstate$2,805

*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. 

Cheapest car insurance companies for tickets and accidents in Wyoming
CompanyClean record AccidentSpeeding Ticket
USAA*$1,102$1,490$1,290
State Farm$1,409$1,635$1,522
Farmers$1,658$2,322$1,811
Geico$2,130$3,457$4,228
Allstate$2,514$3,575$2,863

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

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

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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