Car Insurance in Wyoming
- American National offers the cheapest full coverage quotes in WY
- Compare the cheapest car insurance quotes in WY from Progressive, Allstate, Liberty Mutual and Nationwide (+other top companies)
Car insurance quotes in Wyoming
The average Wyoming driver can expect to pay about $804 for car insurance. That's 26% cheaper than the national average in 2025.[1] Currently, GEICO is offering the most affordable quotes for full coverage in Wyoming.Â
33% of our Zebra customers in Wyoming used our service because they were paying too much for their current car insurance policies.[2] Still, Wyomingites looking for a blend of excellent customer service and competitive rates can find it in State Farm or USAA, if eligible.Â
Car insurance rates rely heavily on personal factors like age, ZIP code, and driving history. The Zebra's experts analyzed average Wyoming car insurance rates for these rating factors in an effort to help you find an affordable policy.
- Among the carriers available in Wyoming, State Farm scored the highest on J.D. Power's 2024 auto study with a score of 656.[3] For those eligible, USAA is also top rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in WY ↓
- GEICO offered the cheapest liability insurance coverage in Wyoming at $15/mo.
- See the other cheapest liability coverage insurance companies in WY ↓
- American National offered the cheapest full insurance coverage in Wyoming at $78/mo.
- See the other cheapest full coverage insurance companies and best discounts in WY ↓
- The Zebra used 3rd party reviews from J.D. Power and AM Best as well as thousands of customer ratings in Wyoming to name State Farm as the best overall company for Wyoming drivers.*
- Read more about why we've ranked State Farm as a great fit for many Wyomingites ↓
*Note: If it weren't for USAA's strict eligibility guidelines, it would be our top choice for car insurance providers in Wyoming. The Zebra focuses on providers accessible to most consumers, so it's excluded from our list. If you're eligible for USAA, it's an excellent choice.
What are the best insurance companies in Wyoming?Â
Based on consumer feedback, third-party ratings (including J.D. Power, Trustpilot, and AM Best), and specifics like discounts and coverage options, we’ve ranked State Farm as the top car insurance provider in Wyoming. Below, you’ll find the pros and cons of State Farm along with other highly rated insurers in Wyoming.
Though State Farm may not be the very cheapest option in Wyoming, it stands out as the best overall choice for drivers. Its rates are competitive, and unlike some insurers, State Farm doesn’t impose steep rate hikes for drivers with accidents. The company also receives high marks in third-party reviews, including strong J.D. Power ratings for the region. With comprehensive coverage options and a variety of discounts, Wyoming drivers seeking solid protection and value will find State Farm hard to beat.
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Among carriers available in WY, State Farm scored the highest in the region for J.D. Power
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Long list of coverage options and discounts
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Lower than average NAIC complaint count
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Slightly higher rates than some other companies
Best car insurance in Wyoming — honorable mentions
State Farm earned our top spot, but these other companies also performed strongly. Our rankings draw on ratings from the J.D. Power auto insurance survey and The Zebra’s Customer Satisfaction Survey, which gathered insights from 2,722 drivers to pinpoint the companies keeping customers most satisfied. See the table below for other companies offering cheap policies in Wyoming.Â
How did we pick what company has the "Best Value" in Wyoming?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2024 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Wyoming
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Find the best coverage and price in Wyoming with The Zebra.
Cheap liability insurance in Wyoming
Liability coverage in Wyoming costs about $157 for a six-month policy. For Wyomingites on a budget, GEICO, USAA and American National offer the lowest premiums. Our data indicates that 38% of Wyoming drivers searched for quotes for liability-only insurance.
In Wyoming, the state mandates that drivers carry at least 25/50/20: $25,000 bodily injury coverage per person, $50,000 bodily injury per accident, and $20,000 property damage coverage. This is the lowest amount of coverage you can carry in order to be compliant with the laws in Wyoming.Â
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
If you carry only the state minimum required insurance in Wyoming (25/50/20), you have enough to drive legally, but these amounts often aren't enough to cover damages from an accident.For stronger financial protection, we recommend increasing these limits to 50/100/50. If your budget allows, opting for full coverage provides even greater peace of mind by offering the most comprehensive protection in case of an accident.
Renata Balasco — licensed insurance writer at The Zebra
Cheap full coverage in Wyoming
A full coverage policy in Wyoming is about $804 on average for six months. This is relatively low compared to the rest of the country, which is likely why 62% of our customers in Wyoming looked for full coverage quotes.Â
Full coverage policies are more expensive than liability, but it is the only way to protect yourself financially in case of an accident. According to our data, American National, USAA and State Farm offer the cheapest full coverage policies in Wyoming.Â
- Payment methods: Advance purchase, electronic bill pay, pay-in-full
- Driver discounts: Bundling (multi-policy), multi-car, good driver, good student, homeowner, military
- Vehicle discounts: New vehicles, safety devices (consider telematics), anti-theft devices
Car insurance price trends in Wyoming
Wyoming car insurance rates have seen steady but small increases each year since 2019. The most dramatic change occurred in 2018 when average rates dropped over $400— this was likely due to new legislation regarding vehicles and insurance passing in the previous year.[5] Wyoming car insurance premiums have remained within a $150 range since 2019. The average rates in this state may stay consistent because Wyoming is the least populated state with the fewest number of licensed drivers in the country.
| Year | Avg. Annual Premium — Wyoming | Yearly Change — Wyoming |
|---|---|---|
| 2024 | $1,590 | $39 |
| 2023 | $1,551 | -$38 |
| 2022 | $1,589 | $41 |
| 2021 | $1,548 | $88 |
| 2020 | $1,460 | $21 |
| 2019 | $1,439 | $48 |
| 2018 | $1,391 | -$405 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
Find your best value insurance match with The Zebra.
Cheap auto insurance for teens and young drivers in Wyoming
Young drivers, particularly those aged 16 to 25, face some of the highest car insurance premiums, with rates peaking for drivers between 16 and 19. Due to the increased risk associated with less driving experience, teens pay more than triple the national average for coverage. In Wyoming, teen drivers are hit especially hard, with annual rates averaging $5,351 — $1,178 less the national teen average but more than three times the rate paid by the typical Wyoming driver. USAA and American National offer the best rates for teens in Wyoming.
- Complete an approved defensive driving course to qualify for discounts and reduce accident risk.
- Choose a less expensive car with good safety ratings and low repair costs over high-performance models.
- Stay on a parent's policy to save money and benefit from their good insurance history.
Car insurance in popular Wyoming cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Wyarno, Wyoming, and the most expensive in Jackson, Wyoming.
Have a look at the table below to see average car insurance costs in some of Wyoming's biggest cities.
Updating data...
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Gillette | $822 | $137 |
| Laramie | $815 | $136 |
| Cheyenne | $801 | $133 |
| Rock Springs | $798 | $133 |
| Casper | $779 | $130 |
Source: The Zebra
Wyoming auto insurance quotes after an accident or ticket
Perhaps the biggest influence on your car insurance rates is your driving history. A record with multiple accidents signals to insurers that you’re more likely to file claims, leading them to charge higher premiums. Check out the table below to see how each car insurance company rates policies with an at-fault accident. USAA and State Farm advertise the most affordable premiums for drivers with an accident on their record.Â
Though you might hope to avoid ever needing your insurance, a smooth claims process is crucial if the time comes. Our 2024 Customer Satisfaction Survey evaluated real claims experiences, and USAA and AAA emerged as the top performers, making them compelling options for Wyoming residents.[4]
In Wyoming, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, 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.Â
Source: The Zebra
The Zebra's guide to Wyoming car insurance laws for high-risk drivers
Certain violations, like a DUI or driving without insurance, can result in more complex insurance consequences. Below, you'll find detailed guides on Wyoming car insurance laws and regulations.
Discover more about Wyoming car insurance laws in our comprehensive guide.
Wyoming DUI laws
In Wyoming, a DUI offense can increase your annual car insurance premium by an average of $1,100. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Wyoming
If you're convicted of a DUI or DWI violation in Wyoming, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Wyoming, State Farm, advertises annual rates 35% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Wyoming is American National, while the priciest firm is Metlife, with prices 71% above average.
There is no car insurer in particular that offers cheap DUI auto insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Wyoming SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Wyoming to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Wyoming might require some research, but it could pay off in the end.
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How to acquire an SR-22 in Wyoming
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
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For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
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For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Wyoming in minutes!
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Wyoming car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Wyoming auto insurance.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
2024 Auto Insurance Study. J.D. Power
2024 Customer Satisfaction Survey. The Zebra
WY Legislation 2017. Legiscan
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.