Edited By Renata Balasco
Here's what you need to know when driving in Wyoming
Across the Cowboy State, there are 58,385 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel. Read on to learn more about which insurance companies offer the cheapest average premiums in Wyoming for a variety of driving profiles, or submit your ZIP code above to receive personalized rates in under five minutes.
Affordable insurance companies in Wyoming
What's the cheapest car insurance in Wyoming?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | The Hartford | $943 |
| 2 | Safeco | $1,036 |
| 3 | USAA | $1,072 |
| 4 | State Farm | $1,295 |
| 5 | Cal Casualty | $1,372 |
| 6 | Grange | $1,548 |
| 7 | GEICO | $1,654 |
| 8 | Farmers | $1,960 |
| 9 | Metropolitan | $2,262 |
| 10 | Allstate | $2,598 |
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Cheap auto insurance for good drivers in Wyoming
Drivers with decent driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Wyoming drivers without a recent moving violation can save big, cutting 24% from their car insurance bill, on average — compared to the national average of 17% savings. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
| Rating Factor | $ Savings | % Savings |
|---|---|---|
| No Traffic Tickets | $428 | 24.25% |
| No Accidents | $508 | 27.51% |
| Good Credit | $577 | 30.13% |
Cheap auto insurance for young drivers Wyoming
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Wyoming, the average teen driver pays $3,548 — well below the national average but nearly three times the state average.
| Age | Annual Rate with Parents | Annual Rate Alone |
|---|---|---|
| 16 | $2,898 | $5,573 |
| 17 | $2,727 | $4,528 |
| 18 | $2,897 | $3,993 |
| 19 | $2,380 | $3,314 |
Cheap auto insurance for bad drivers in Wyoming
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably pay less for car insurance. Conversely, a bad driving record will cause your rates to skyrocket: car insurance premiums typically increase by 38% after a DUI, 27% after an at-fault accident, and 24% after a speeding ticket in Wyoming. The post-citation penalties assessed by car insurance companies after DUI violations and at-fault accidents in Wyoming generally align with nationwide averages, but speeding tickets are penalized with larger-than-average rate increases. If you have a clean driving record, be sure to check for good-driving discounts from your insurer.
| Rating Factor | Annual Rate | % Increase |
|---|---|---|
| At-Fault Accident | $1,847 | 27.51% |
| DUI | $2,184 | 38.70% |
| Speeding Violation | $1,767 | 24.25% |
| Bad Credit | $1,916 | 30.13% |
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Top rated car insurance companies in Wyoming
Each car insurance company brags about its low rates. But just like with any product, the cheapest choice is not always the best choice. Considering what's at stake, it's worth doing your due diligence to purchase an auto policy that will cover your car adequately after a collision. Be patient and look for the best value, rather than settling for the cheapest auto insurance you can find.
Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers.
| Insurance Company |
Claims Satisfaction (J.D. Power) |
Customer Satisfaction (J.D. Power) |
Financial Strength (A.M. Best) |
Customer Satisfaction (The Zebra) |
| Allstate | Average | Average | Superior | 4.3 / 5 |
| Cal Casualty | N/A | N/A | Good | N/A |
| Farmers | Excellent | Below average | Excellent | 4.3 / 5 |
| GEICO | Average | Average | Superior | 4.4 / 5 |
| Liberty Mutual | Average | Above average | Good | 4.2 / 5 |
| National Farmers Union | N/A | N/A | Superior | N/A |
| Safeco | Average | Average | Excellent | N/A |
| State Farm | Above average | Above average | Superior | 4.5 / 5 |
| The Hartford | Excellent | Above average | Excellent | N/A |
| USAA | Excellent | Excellent | Superior | 4.6 / 5 |
Wyoming auto insurance laws
In Wyoming, the state minimum coverage requirement is liability insurance with limits of:
- Bodily injury liability: $25,000 per person
- Bodily injury liability: $50,000 per accident
- Property damage liability: $20,000 per accident
Optional coverage in Wyoming (varies by carrier):
- Comprehensive
- Collision
- Loan/Lease Payoff
- Medical and Funeral Services
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured Motorist Bodily Injury
If you opt for the minimum required coverage in Wyoming, expect to owe a mean of $369 yearly. This is cheaper than the national average by 44%. If you elect better coverage, you can choose a policy with comprehensive and collision coverage, covering damages caused by car-vs.-car collisions, auto theft, or weather incidents. But better insurance coverage has a cost: in Wyoming, a comprehensive insurance policy with a $1,000 deductible costs $1,102, 199% more than liability-only coverage. For a comprehensive policy with a $500 deductible, expect to pay 264% more than you would for basic liability-only coverage.
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How tickets change insurance rates in Wyoming
If you receive a ticket or citation, your car insurance rates may go up. By how much depends on the violation's severity, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at typical auto insurance rates in Wyoming after a few common violations.
Wyoming car insurance FAQs
How much is car insurance in Wyoming?
Minimum liability coverage is very cheap in Wyoming: $184 for a six-month policy. Wyoming's rates for a full coverage policy are a bit closer to average: $670 for a six-month policy.
Who actually has the cheapest car insurance?
For an average driver, The Hartford has the cheapest rates at $471. If you do not qualify for The Hartford, consider Safeco at $518.
Is car insurance cheap in Wyoming?
If you only require liability insurance, Wyoming is a very cheap state for auto insurance. Our data shows minimum coverage in Wyoming is 78% cheaper than the national average. For full coverage insurance, Wyoming is only 4% cheaper.
How much does car insurance cost in Wyoming cities?
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Sheridan, Wyoming, and the most expensive in Gillette, Wyoming.
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Gillette | $1,495 |
| 2 | Green River | $1,454 |
| 3 | Laramie | $1,435 |
| 4 | Evanston | $1,428 |
| 5 | Mills | $1,423 |
| 6 | Casper | $1,423 |
| 7 | Cheyenne | $1,422 |
| 8 | Douglas | $1,420 |
| 9 | Cody | $1,419 |
| 10 | Sheridan | $1,394 |
