Best Car Insurance in Wyoming

As the fifth-largest provider in Wyoming,² GEICO’s average rates are about $200 cheaper than the state average ($1,042). If you’re on a budget or looking for the cheapest option in Wyoming, we recommend requesting a quote from GEICO.

Cheapest Provider in Wyoming

GEICO’s full coverage rates in Wyoming average $79 per month, or $948 per year, making it the cheapest provider in the state. The most expensive provider in Wyoming is Travelers ($1,728), and Progressive sits in the middle, with an average of $1,152.

Affiliate Discounts

If you belong to any of the following affiliate groups, you could earn a discount:

Robust Digital Features

Although there aren’t any local GEICO agents in Wyoming, you can still manage and track your policy details online and through the app. Here’s what you can do with GEICO’s digital and mobile features:

• Make payments
• File and track claims
• Report an incident
• Ask for a quote
• Request roadside assistance
• Add new drivers or vehicles to your policy
• Review policy documents

Progressive insures nearly 21 percent of all drivers in Wyoming, making it the largest company in the Cowboy State. It’s also the cheapest provider for motorcyclists, with average rates as low as $350 per year.

Cheapest Provider for Motorcycle Riders

Progressive is about $150 cheaper than the average motorcycle insurance provider in Wyoming. If you’re seeking the most affordable rates for your bike, Progressive will likely offer you the best quotes.

Big Savings

Looking for more ways to save on your motorcycle insurance? Ask your agent about the following Progressive discounts:

• Bundling discount for your motorcycle plus home, car, boat, or RV insurance
• Pay-in-full discount
• Harley Owners Group discount
• 25 percent off your deductible for every claim-free period
• Safety course rider discount
• Safe rider discount
• Automated billing discount
• Pay-on-time discount

Specialized Coverage

You can add the following specialized coverage options with Progressive, providing you with greater protection on the road:

• Total loss coverage for motorcycles up to two years old
• $250 per week in enhanced injury protection, which provides you with financial support if you’re injured in an accident and can’t work
• Roadside assistance anywhere in the U.S. or Canada
• Carried contents coverage, which provides protection for personal belongings that are damaged in a covered loss

Allstate is one of the oldest and largest providers in the country. It offers excellent home bundling discounts for drivers in Wyoming and excellent financial strength scores to ensure your assets are covered.

Sizable Bundling Discount

You can earn 25 percent off your car insurance when you bundle auto and home with Allstate. That’s the largest home and auto bundling discount on our list and one of the biggest in the country.

Excellent Financial Strength

Car insurance companies with a strong financial score and creditworthiness rating are more likely to pay out claims, even during economic downturns or after natural disasters.

Allstate has received an A+ rating from AM Best since 2017, which is the second-highest rating.⁵

More Insurance Types

Have more vehicles to insure? Allstate has you covered. You can add the following insurance types to your Allstate policy:

• RV insurance
• Boat insurance
• Motorcycle insurance
• Pet insurance
• Off-road vehicle insurance
• Renters insurance
• Homeowners insurance
• Business insurance
• Classic car insurance
• Condo insurance
• Landlord insurance
• Life insurance

Foremost is America’s first mobile home insurance provider and our top pick for RV owners in Wyoming. It comes with flexible coverage plans and a solid baseline of coverage for all RV owners.

Flexible RV Coverage

Whether you’re living in your RV year-round or using it for specific trips, you can find a policy with Foremost that fits your needs.

Foremost offers full-time coverage — similar to liability coverage in a homeowners policy — for long-term stays in travel trailers, motor homes, and luxury motor coaches. If you’re traveling in the summer or other parts of the year, you’ll also have options for short-term policies.

Ask your agent to learn more about how you can customize your plan.

Solid Coverage for All RVs

Regardless of your policy type, all motor home policies include the following coverage:

• Towing and roadside assistance
• Emergency expenses coverage
• Personal property replacement coverage
• Vacation liability coverage

Specialized Discounts for RVs

Want to save more on your policy? Ask your agent about the following foremost discounts designed for RV owners:

• Multi-policy discounts, which apply to policies with all Farmers’ companies
• Factory-installed airbag discount
• Anti-lock brakes discount
• Paperless discount
• Multi-car discount

State Farm has the most number of agents in Wyoming, the third-highest customer service rating, and the cheapest rates if you have a bad driving record. If you’ve had an accident, DUI, or moving violation, we recommend asking for a quote from State Farm.

Cheapest Rate After an Accident

Insurance prices nearly doubled for drivers in Wyoming after an accident, averaging $1,836 annually. If you have an accident on your record, State Farm is your best bet for finding the most affordable prices.

Cheapest Rate After a DUI

With 7.6 fatalities per capita, Wyoming has the highest drunk fatality rate in the country. It also had the third-highest DUI arrest rate at 0.81 percent of all licensed drivers, which is 57 percent higher than the national average of 0.35 percent.⁷

Insurance providers nearly double their rates after a DUI, raising the average cost to $1,988. With State Farm, you’ll find lower average rates and several safety discounts to incentivize smarter driving habits.

Cheapest Rate After a Speeding Ticket

Drivers with a speeding ticket tend to file more claims than the average driver, which leads insurance companies to increase their premiums. Like with DUIs and accidents, State Farm offers the most affordable rates if you’ve received a speeding ticket or moving violation.