In a Nutshell
The cost of car insurance for Wyoming drivers depends on individual circumstances like your credit, vehicle type and driving history. We compared estimated rates or several different driver profiles to find some of the lowest-cost insurers for basic coverage in the Equality State.Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
History buffs and outdoor enthusiasts (hello, Yellowstone!) know there’s plenty of opportunity for adventure in Wyoming. But when you hit the road, are you confident you’re getting the best value for your car insurance?
We looked at estimated car insurance rates from insurance companies across Wyoming to calculate the average cost and find out which insurers offer the cheapest basic-coverage rates for a number of driver needs and profiles.
To make the fairest comparisons between companies, we based our calculations on a relatively neutral driver profile — someone with no tickets, accidents or claims, for example (see our full methodology). Your rates may differ depending on your driving history, as well as other factors that affect car insurance like your age, vehicle type, mileage and coverage selection.
Read on to learn about Wyoming’s average car insurance rates and our findings for the cheapest options for minimum coverage.
- Cost of car insurance in Wyoming
- 5 cheapest car insurance companies in Wyoming
- Cheapest state-minimum car insurance in Wyoming
- Cheapest car insurance for good credit in Wyoming
- Cheapest car insurance for poor credit in Wyoming
- Cheapest car insurance for drivers with multiple claims in Wyoming
- Cheapest car insurance for young drivers in Wyoming
- Wyoming auto insurance requirements
- Is usage-based insurance available in Wyoming?
- FAQs about the cheapest car insurance rates in Wyoming
- Methodology
Cost of car insurance in Wyoming
Average monthly premiums for car insurance in Wyoming range from just over $30 up to around $57 for basic coverage, depending on the type of coverage and driver profile:
Average monthly auto insurance premiums in Wyoming
Driver or coverage | Avg. monthly cost |
---|---|
State-minimum car insurance in Wyoming | $30.49 |
Drivers with poor credit in Wyoming | $46.23 |
Drivers with multiple claims in Wyoming | $56.83 |
Young drivers in Wyoming | $50.44 |
5 cheapest car insurance companies in Wyoming
We found that USAA and Geico offered the cheapest minimum-coverage car insurance policies for most driver needs. Remember, we calculated these rates based on a specific driver profile, as detailed in our methodology, to get a baseline comparison.
Unless otherwise noted, our Wyoming driver is between 36 and 45 years old, has a credit score between 680 and 719, drives a car worth between $20,000 and $30,000 and has no tickets or coverage gaps. Not you? Read on: We also looked for the cheapest car insurance companies for drivers with different credit scores, ages and coverage options.
1. USAA
At $17.79 a month, USAA offers the cheapest basic-coverage car insurance for our Wyoming driver profile. To qualify for USAA car insurance, you must be a USAA member (membership is open to military members and spouses, and children of USAA members). In addition to basic insurance, USAA offers optional coverage options like comprehensive, collision, liability and uninsured/underinsured motorist, plus a range of discounts for good grades, safe driving, automatic payments and bundling your policies.
Read reviews of USAA auto insurance.2. Geico
Geico could offer our Wyoming driver profile car insurance for as low as $19.42 per month for basic coverage. Geico offers a wide range of standard and bonus additional coverage options, as well as an impressive amount of discount opportunities. Tech-savvy customers may also appreciate Geico’s mobile app, where they can manage their policy, access ID cards, request roadside assistance and more.
Read reviews of Geico auto insurance.3. American National P&C
With American National, our Wyoming driver profile could find minimum-coverage insurance for as little as $23.50 per month. With this insurer, customers who choose to purchase additional collision and comprehensive coverages have access to free car rentals and generous reimbursement for customized equipment.
4. State Farm
State Farm could offer our Wyoming driver profile a car insurance policy with basic coverage for as low as $26.13 per month. State Farm provides extra coverages like collision and comprehensive insurance, rental reimbursement, emergency roadside assistance, rideshare insurance and more. And customers can save money with several available discount options, including safe driver discounts, vehicle equipment discounts and discounts for bundling multiple vehicles or policies.
Read reviews of State Farm auto insurance.5. Metropolitan
Finally, our Wyoming driver profile could find car insurance for as low as $35.75 per month with Metropolitan for minimum coverage. Additional coverage options at Metropolitan include comprehensive, collision, medical expense, family compensation, liability, property damage, bodily injury, uninsured/underinsured motorist, personal injury protection and towing and labor.
Cheapest state-minimum car insurance in Wyoming
Most states require drivers to carry a mandatory minimum amount of bodily injury and property damage insurance. Wyoming requires 25/50/20 insurance, which is likely the cheapest coverage option you will find at most insurers.
The following five companies may offer the cheapest basic-coverage car insurance for Wyoming drivers looking for state-minimum coverage only.
5 cheapest car insurance companies in Wyoming for state-minimum coverage
1 | USAA | $17.79/month |
2 | Geico | $19.42/month |
3 | American National P&C | $23.50/month |
4 | State Farm | $26.13/month |
5 | Metropolitan | $35.75/month |
Cheapest car insurance for good credit in Wyoming
Your credit is one piece of the puzzle when it comes to the cost of car insurance. Most drivers with good credit pay less for their car insurance than drivers with poor credit.
These companies have the lowest estimated rates for minimum coverage for drivers considered to have good credit.
5 cheapest car insurance companies in Wyoming for those with good credit
1 | USAA | $13.76/month |
2 | Geico | $16.75/month |
3 | American National P&C | $20.11/month |
4 | State Farm | $22.06/month |
5 | Metropolitan | $27.92/month |
Cheapest car insurance for poor credit in Wyoming
Unfortunately, that also means drivers with less-than-perfect credit could find their car insurance premiums are higher. Luckily, there are other ways to help lower your premium, like by keeping a safe driving record.
Drivers with poor credit may find the cheapest insurance policies for basic insurance at these five insurers:
5 cheapest car insurance companies in Wyoming for those with poor credit
1 | Geico | $25.08/month |
2 | American National P&C | $30.46/month |
3 | USAA | $39.94/month |
4 | State Farm | $41.90/month |
5 | Farmers | $47.38/month |
Cheapest car insurance for drivers with multiple claims in Wyoming
Your rates could be higher if you have multiple insurance claims in your driving history.
The following companies have the lowest estimated rates for minimum coverage for drivers with multiple claims by insurance companies.
5 cheapest car insurance companies in Wyoming for multiple claims
1 | USAA | $32.58/month |
2 | Geico | $38.58/month |
3 | State Farm | $43.25/month |
4 | American National P&C | $49.67/month |
5 | Farmers | $77.92/month |
Cheapest car insurance for young drivers in Wyoming
Many insurers believe younger drivers are riskier to insure than older drivers. That means younger drivers, or other drivers who don’t have a robust driving history, may have more expensive policies.
The following companies have the lowest estimated basic-coverage rates for young drivers between the ages of 18 and 21.
5 cheapest car insurance companies in Missouri for young drivers
1 | Geico | $28.25/month |
2 | USAA | $31.04/month |
3 | American National P&C | $43.67/month |
4 | State Farm | $46.04/month |
5 | Allstate | $65.43/month |
Wyoming auto insurance requirements
In Wyoming, the state minimum is $25,000 per person and $50,000 per accident of bodily injury liability and $20,000 of property damage insurance. If you have a car loan or lease, your coverage responsibilities may be more extensive.
Is usage-based insurance available in Wyoming
Usage-based insurance is vehicle insurance that allows customers to pay premiums based on their driving behavior. In Wyoming, drivers may save money on their car insurance by participating in their insurers’ UBI programs.
FAQs about the cheapest car insurance rates in Wyoming
According to our study, average monthly premiums for car insurance in Wyoming can range from just over $30 to around $57 for basic coverage, depending on the type of coverage and driver profile.
No, Wyoming is not considered a no-fault state.
The state of Wyoming requires drivers to carry at least $25,000 per person and $50,000 per accident of bodily injury liability, and $20,000 of property damage insurance. If you have a car loan or lease, your coverage responsibilities may be more extensive.
Methodology
This article’s estimated rates are the lowest for minimum coverage based on the profile of a driver aged 36 to 45 living in Wyoming. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 or higher. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those aged 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on various factors, such as age, vehicle driving habits and history.
The average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. The average monthly premium for state-minimum car insurance includes a Wyoming-mandated 25/50/20 insurance policy.