Best and Cheapest Car Insurance in Wyoming (Top 10 Low-Cost Companies in 2024)
USAA, Liberty Mutual, and State Farm have the best and cheapest car insurance in Wyoming.
In the table below, you can sort through all the Wyoming car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Wyoming car insurance rankings.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $13 | A++ | Military Benefits | USAA |
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#2 | $17 | A | Add-on Coverages | Liberty Mutual |
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#3 | $19 | B | Agency Network | State Farm |
 |
#4 | $23 | A++ | Specialized Coverage | Travelers |
 |
#5 | $25 | A+ | UBI Discount | Progressive |
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#6 | $26 | A++ | Low Deductibles | Geico |
 |
#7 | $27 | A | Loyalty Discounts | American Family |
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#8 | $28 | A+ | Multi-Policy Savings | Nationwide |
 |
#9 | $30 | A | Family Plans | Farmers |
 |
#10 | $36 | A+ | Drivewise Program | Allstate |
You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders. Enter your ZIP code into our free comparison tool to see how much car insurance costs in your area.
What You Should Know
- USAA has the beeast and cheapest Wyoming car insurance
- Elk Mountain is the cheapest area in Wyoming for car insurance
- Wyoming drivers are required to have liability and uninsured motorist for bodily injury
On this page:
- Who offers the cheapest teen car insurance rates in Wyoming?
- Who offers the cheapest car insurance rates for a married couple in Wyoming?
- Who offers the cheapest senior car insurance rates in Wyoming?
- 10 Cheapest areas in Wyoming for car insurance
- 10 Most expensive areas in Wyoming for car insurance
- Minimum car insurance coverage and limits in Wyoming
#1 – USAA: Top Pick Overall
Pros
- Military Family Focus: USAA offers specialized coverage options for Wyoming's active-duty service members, veterans, and their families. Learn more in our USAA review.
- Accident Forgiveness: USAA doesn't raise rates for eligible Wyoming drivers after their first-time accidents.
- High Customer Satisfaction: Wyoming customers consistently report top-notch experiences from USAA agents.
Cons
- Not for Everyone: USAA's cheap rates are only available to Wyoming military members and their families.
- Limited Bundle Options: USAA offers fewer opportunities to bundle different insurance types.
#2 – Liberty Mutual: Best for Add-on Coverages
Pros
- New Car Replacement: Liberty Mutual replaces Wyoming drivers' cars stolen or totaled within the first year of ownership or 15,000 miles.
- Accident-Free Discount: Wyoming drivers with five years of accident-free driving can earn significant savings on their premiums. Explore more discounts in our Liberty Mutual review.
- Customizable Coverage: Liberty Mutual lets Wyoming drivers tailor their policies with unique add-ons like bundling options.
Cons
- Higher Rates After Claims: Wyoming Liberty Mutual customers might see steeper rate increases after filing a claim.
- Complex Quote Process: Some Wyoming drivers find Liberty Mutual's online quote system more complicated.
#3 – State Farm: Best for Agency Network
Pros
- Student Discounts: Young Wyoming drivers can save up to 25% with State Farm if they maintain a 3.0+ GPA.
- Rideshare Coverage: State Farm offers affordable add-on coverage for Wyoming Uber and Lyft drivers. Read more in our full review on State Farm's car insurance.
- Emergency Road Service: Wyoming State Farm customers can add low-cost roadside assistance to their policies.
Cons
- Fewer Discounts Overall: State Farm offers fewer total discount options in Wyoming than some competitors.
- No Accident Forgiveness: Unlike some insurers, State Farm doesn't offer accident forgiveness to Wyoming drivers
#4 – Travelers: Best for Specialized Coverage
Pros
- Early Quote Discount: Wyoming drivers can save by getting a Travelers quote before their current policy expires.
- Good Pay Discount: Wyoming drivers can save with Travellers if they pay their premium in full and on time, and they can also save by paying with electronic funds transfer (EFT). Check out our Travelers car insurance review for more information.
- Hybrid/Electric Discount: Wyoming drivers who own or lease a hybrid car can save with traveler's hybrid car insurance discount.
Cons
- Limited Rideshare Coverage: Wyoming Uber and Lyft drivers have fewer options with Travelers compared to some competitors.
- Below Industry Rating: Travelers' low J.D. Power auto claims score suggests customers may face frustrating experiences when filing and processing claims.
#5 – Progressive: Best for UBI Discount
Pros
- Small Accident Forgiveness: Wyoming drivers with minor claims under $500 won't raise rates with Progressive.
- Deductible Savings Bank: Wyoming drivers can lower their deductible by $50 for each claim-free six-month policy period.
- Custom Parts Coverage: Progressive in Wyoming offers protection for aftermarket additions to your vehicle. Learn more: Progressive car insurance review
Cons
- Loyalty Doesn't Pay: Long-term Wyoming Progressive customers might not see the same discounts like those of new policyholders.
- Mixed Bundling Savings: Progressive home and auto bundles in Wyoming might not always offer the best combined rate.
#6 – Geico: Best for Low Deductibles
Pros
- Competitive Rates: Geico consistently offers affordable premiums for Wyoming drivers across various age groups.
- Federal Employee Discount: Geico offers significant premium reductions to government employees in Wyoming. Check out our Geico vs. Progressive comparison to see which insurer offers the best coverage and rates for your needs.
- Multiple Vehicle Savings: As a Wyoming customer, you can insure more than one car with Geico, leading to decreased rates.
Cons
- Limited Bundling Options: Wyoming customers might find fewer opportunities to bundle policies with Geico
- No Immediate Accident Forgiveness: Wyoming under 21 years of age and new drivers may not qualify for accident forgiveness with Geico.
#7 – American Family: Best for Loyalty Discounts
Pros
- Young Volunteer Discount: Wyoming teens can reduce their premiums by completing at least 40 hours of volunteer work for a nonprofit organization.
- Low Mileage Discount: The pay-how-you-drive American Family program helps Wyoming drivers covering 7,500 annual miles achieve substantial savings. Our review of American Family car insurance reveals everything you need to know about their discounts.
- Diminishing Deductible: Safe Wyoming drivers can reduce their deductible by $100 annually, up to $500 off.
Cons
- Limited Rideshare Coverage: Wyoming Uber or Lyft drivers might find better options with other insurers.
- Higher Rates for Older Drivers: Wyoming seniors may find American Family's premiums less competitive than other insurers.
#8 – Nationwide: Best for Multi-Policy Savings
Pros
- Defensive Driving Discount: Wyoming drivers aged 55+ can take advantage of the nationwide defensive driver discount by completing approved courses, which reduces nationwide premiums.
- Farm Bureau Discount: Wyoming Farm Bureau members receive policy discounts, saving on their Nationwide policies.
- SmartRide Program: Nationwide usage-based insurance program (UBI) rewards Wyoming drivers with car insurance discounts for practicing safe driving habits. Read more: Nationwide car insurance review
Cons
- Higher Average Costs: Nationwide average rates in Wyoming are higher than those of some competitors.
- Mixed Customer Reviews: Some customers in Wyoming have a negative experience with the Nationwide services.
#9 – Farmers: Best for Family Plans
Pros
- Customizable Policies: Farmers offer Wyoming drivers highly flexible coverage options to tailor their policies to specific needs.
- Shared Family Car Discount: Wyoming families with young drivers up to age 20 benefit from sharing vehicles. Learn more in our Farmers car insurance review.
- Signal App: This usage-based program can help safe Wyoming drivers save up to 15% on their premiums.
Cons
- Risky Driving Costs: The farmers' Signal app might hike your rates if you're not careful on Wyoming roads.
- Complex Discount Structure: Wyoming drivers may struggle to identify all Farmers' saving options.
#10 – Allstate: Best for Drivewise Program
Pros
- New Vehicle Discount: Wyoming drivers can save with Allstate if your vehicle is a current model year or one year prior and you're the first owner.
- Responsible Payer Discount: Wyoming drivers who pay their Allstate premiums in full and on time avoid increasing rates.
- Early Signing Discount: Wyoming drivers can save when they sign Allstate policy 7 or more days before it becomes effective.
Cons
- Costly Full Coverage: Wyoming drivers seeking comprehensive protection might find Allstate more expensive than alternatives. Read our detailed Allstate car insurance review to learn more.
- Expensive Teen Rates: Wyoming families with teen drivers may face significantly higher premiums with Allstate compared to other options.
Top Wyoming Car Insurance Companies Rates
While we see advertisements from car insurance companies on a daily basis promising low rates and great coverage, it can be tough to truly know which is the best Wyoming car insurance company for you. Unless you’ve held a car insurance policy from a company previously, how can you know how they treat their policyholders?
At Clearsurance, we hope to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Wyoming. It's also important to consider the penalty for driving without car insurance when choosing the right coverage to avoid any legal complications.
The table below presents a comprehensive overview of top car insurance providers, highlighting their rates for minimum and full coverage policies.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $36 | $155 |
| American Family | $27 | $111 |
| Farmers | $30 | $130 |
| Geico | $26 | $111 |
| Liberty Mutual | $17 | $75 |
| Nationwide | $28 | $114 |
| Progressive | $25 | $106 |
| State Farm | $19 | $82 |
| Travelers | $23 | $98 |
| USAA | $13 | $57 |
With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Wyoming car insurance companies. While getting rates is a good start, our reviews can help you find the companies other customers love.
Cheapest Teen Car Insurance Rates in Wyoming
For female teens in Wyoming, the company that offers the cheapest car insurance rates on average is USAA. For male teens, the cheapest rates on average are found from Liberty Mutual and USAA. In the table below, you can find Wyoming teen car insurance rates for male and female drivers.
Read more: 10 Tips to keep teen drivers safe on the road
The average premiums are listed for the ten largest car insurance companies in Wyoming. As you can see, rates are significantly higher for male teens across the board.
| Insurance Company | Age: 18 Female | Age: 18 Male |
|---|---|---|
| Allstate | $116 | $146 |
| American Family | $76 | $103 |
| Farmers | $54 | $92 |
| Geico | $69 | $95 |
| Liberty Mutual | $47 | $53 |
| Nationwide | $79 | $101 |
| Progressive | $156 | $175 |
| State Farm | $55 | $73 |
| Travelers | $138 | $193 |
| USAA | $43 | $53 |
These rates are based on profiles for 18-year-old male and female drivers in Wyoming. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Wyoming will differ. Rate data is provided by Quadrant Information Services.
Cheapest Car Insurance Rates for a Married Couple in Wyoming
Out of the most popular companies in Wyoming, USAA offers the cheapest and best car insurance companies for married couples in the state on average. Due to increase stability and financial strength with combined income, the liability per person is naturally lower. With evidence of financial responsibility and a clean driving record, anything from minimum coverage to comprehensive insurance can be more affordable.
| Insurance Company | Rates |
|---|---|
| Allstate | $43 |
| American Family | $32 |
| Farmers | $32 |
| Geico | $36 |
| Liberty Mutual | $21 |
| Nationwide | $34 |
| Progressive | $34 |
| State Farm | $24 |
| Travelers | $27 |
| USAA | $21 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wyoming will differ. Rate data is provided by Quadrant Information Services.
Cheapest Senior Car Insurance Rates in Wyoming
USAA provides the cheapest car insurance rates for male and female senior drivers in Wyoming on average when compared to some of the other largest auto insurers in the state. Auto insurance quotes are typically cheaper for seniors across the country. Discover the best car insurance companies for senior drivers in our guide.
Age is never the only factor, though. So always shop around based on your unique profile with driving history and other factors.
| Insurance Company | Age: 65 Female | Age: 65 Male |
|---|---|---|
| Allstate | $35 | $34 |
| American Family | $25 | $25 |
| Farmers | $30 | $30 |
| Geico | $25 | $25 |
| Liberty Mutual | $17 | $17 |
| Nationwide | $26 | $26 |
| Progressive | $24 | $26 |
| State Farm | $19 | $19 |
| Travelers | $22 | $22 |
| USAA | $13 | $13 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wyoming will differ. Rate data is provided by Quadrant Information Services.
Cheapest Areas in Wyoming for Car Insurance
While age and marital status affect the cost of car insurance, so does where you live.
Learn more: How to get cheap car insurance
Wyoming car insurance rates vary based on the city and neighborhood you live in. The table below displays the top 10 most expensive areas in Wyoming for car insurance based on average rates for a single adult.
| City | Rates |
|---|---|
| Elk Mountain | $108 |
| Hanna | $123 |
| Shirley Basin | $127 |
| Sinclair | $132 |
| Walcott | $142 |
| Baggs | $147 |
| Dixon | $148 |
| Encampment | $151 |
| Medicine Bow | $153 |
| Rawlins | $155 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wyoming will differ. Rate data is provided by Quadrant Information Services.
Most Expensive Areas in Wyoming for Car Insurance
When looking at the average car insurance rates in Wyoming, rates vary based on your location.
Read more: Why car insurance is so expensive?
The table below displays the top 10 most expensive areas in Wyoming for car insurance based on average rates for a single adult.
| City | Rates |
|---|---|
| Alta | $118 |
| Wilson | $117 |
| Teton Village | $117 |
| Jackson | $117 |
| Moose | $117 |
| Kelly | $117 |
| Moran | $117 |
| Superior | $116 |
| Weston | $116 |
| Recluse | $116 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wyoming will differ. Rate data is provided by Quadrant Information Services.
Minimum Car Insurance Coverage and Limits in Wyoming
Wyoming drivers are required to have two types of auto insurance coverage: liability and uninsured motorist for bodily injury. Liability insurance protects you against damages you cause, or injuries to other drivers and their passengers in an at-fault accident, up to your policy’s limits.
Uninsured motorist for bodily injury coverage protects you from injuries sustained in an accident caused by a hit-and-run driver or a driver who doesn’t have insurance. According to 2015 data from the Insurance Information Institute, 7.8 percent of Wyoming drivers are without insurance.
In order to have your car covered in these situations — or in accidents you cause yourself — you’ll need to purchase collision insurance. Another optional coverage to consider is comprehensive coverage, which covers your vehicle for damages not related to an accident, such as hail or theft. Additional optional coverages in Wyoming include medical expense coverage, roadside assistance and rental reimbursement.
Wyoming’s required minimums for liability and uninsured motorist for bodily injury coverage are detailed below, but it’s important to keep in mind that these minimums may not be enough to cover the costs of a serious accident. It would be wise to consider purchasing higher limits to ensure you have sufficient protection.
Wyoming state minimum requirements:
Liability:
- Bodily injury — $25,000 per person
- Bodily injury — $50,000 per accident
- Property damage — $20,000 per accident
Bodily injury caused by an uninsured motorist:
- $25,000 per person
- $50,000 per accident
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
How Car Insurance Rates Are Calculated in Wyoming
When searching and comparing quotes from the best auto insurance companies in Wyoming, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Your driving record
- How much you drive
- Location
- Age
- Marital status
- Gender
- Your car’s make, model and year
- Your credit history
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident.
For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
Minor violations will typically remain on your #driving record for around three years, while more serious violations can stay on for much longer, sometimes permanently! ➡️ https://t.co/BVgZPVqyuC #Drivers #License🚨 pic.twitter.com/6ejn8q5RvZ
— Clearsurance (@clearsurance) February 1, 2022
Something drivers in Wyoming need to keep in mind is the severe weather that the state experiences. Wyoming ranks number one as the worst state for fatal winter crashes across the United States. Drivers should take extra precautions and be aware that if there are an increase in the number of accidents, it could affect car insurance rates.
How To Save Money on Your Car Insurance in Wyoming
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Wyoming car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways customers save money on their car insurance.
Here are seven ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop for better insurance rates
- Take advantage of available discounts
To help you get started, we've compiled a table showcasing top car insurance providers in Wyoming and the types of discounts they offer:
By leveraging these discounts, you can significantly reduce your car insurance costs while still maintaining excellent coverage.
How Clearsurance Rates and Ranks the Best Car Insurance Companies in Wyoming
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.
Read more: Car insurance companies that customers recommend
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Car Insurance Guide
Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance. Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool to find the best policy for you.
Frequently Asked Questions
Who offers the cheapest teen car insurance rates in Wyoming?
For female teens in Wyoming, the company that offers the cheapest car insurance rates on average is Farmers Insurance Group. For male teens, the cheapest rates on average are found from Geico.
Who offers the cheapest car insurance rates for a married couple in Wyoming?
Out of the most popular companies in Wyoming, Safeco offers the cheapest car insurance rates for married couples in the state on average.
Who offers the cheapest senior car insurance rates in Wyoming?
Safeco provides the cheapest car insurance rates for male and female senior drivers in Wyoming on average when compared to some of the other largest auto insurers in the state.
Who typically has the cheapest car insurance?
USAA, Liberty Mutual, and State Farm have the cheapest rates. However, prices vary based on individual factors like age, location, and driving history.
What is the minimum car insurance in Wyoming?
Wyoming requires liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage.
Who is cheaper, Geico or Progressive?
For most drivers, Geico is generally cheaper than Progressive. However, rates can vary widely based on individual circumstances.
What is the average cost of auto insurance in Wyoming?
The average cost of full-coverage auto insurance in Wyoming is around $103 a month.
Is Wyoming a no-fault state?
No, Wyoming is an at-fault state. This means the driver responsible for an accident is liable for damages and injuries.
Is it illegal to not have car insurance in Wyoming?
Driving without insurance is illegal in Wyoming. Penalties can include fines of $500 to $1,500, up to six months in jail, or both.
Is Allstate cheaper than Geico?
For most drivers, Geico is generally cheaper than Allstate. However, individual rates can vary.
Who is cheaper, Geico or Liberty Mutual?
Geico typically offers lower rates than Liberty Mutual. However, Liberty Mutual has more discounts available.
How do you get Geico to lower your rate?
You can lower your Geico rates by maintaining a clean driving record, bundling policies, increasing your deductible, utilizing available discounts, and improving your credit score.
What is the grace period for car insurance in Wyoming?
Wyoming law provides a 31-day grace period for premium payments, except for the first payment.
Does insurance follow the car or the driver in Wyoming?
In Wyoming, insurance typically follows the car, not the driver. If someone borrows your car with permission, your insurance usually covers them.
Is car insurance expensive in Wyoming?
Car insurance in Wyoming is generally affordable—58% less than the national average for minimum coverage.
Is $500 a lot for car insurance?
Yes, $500 monthly for car insurance is expensive. The average cost ranges from $60 to $166 per month.
What cars are hard to insure?
High-performance, luxury, and modified cars can be harder to insure. Some insurers may also restrict the insurance of vans, campers, or commercial vehicles.
How much does car insurance go down after 1 year of no claims?
After one year of no claims, insurance rates typically drop by 5-20%. The discount increases yearly, usually maxing out at 50-60% after 5-6 claim-free years.
Why is my auto insurance quote so high?
High quotes can result from your driving history, location, vehicle type, credit score, or recent claims or violations.
Does car insurance go down when a car is paid off?
Paying off your car doesn't automatically lower insurance rates. However, you can reduce costs by dropping coverage that was required by your lienholder.