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Last updated: April 18, 2025
Compare Cheap Auto Insurance in Wyoming
American National offers some of the cheapest auto insurance in Wyoming, depending on your driver profile and coverage needs.
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Wyoming has some of the cheapest auto insurance in the country. Full coverage insurance in the state costs an average of $1,211 annually, which is 50 percent cheaper than the national average of $2,399. Minimum coverage rates are similarly low, at $343 per year, on average, which is 46 percent lower than the national average.
Although rates are low overall in the Cowboy State, cities have higher rates. For example, average premiums in cities such as Rock Springs and Cheyenne are higher than the state average.
Overview:
- Full coverage auto insurance in Wyoming costs an average of $1,211 per year, while minimum coverage is $343 annually, on average.
- American National and USAA have the lowest average rates for most driver profiles in Wyoming, but USAA is available only to military personnel and their families.
- State Farm and GEICO also offer below-average rates, but State Farm has higher customer satisfaction ratings.
Jump to:
- Cheapest full coverage auto insurance in Wyoming: American National ($870 annually) and USAA ($960 annually)
- Cheapest minimum coverage: American National ($188 annually) and GEICO ($196 annually)
- Cheapest with a teen driver: USAA ($2,820 annually) and American National ($3,124 annually)
- Cheapest with a speeding ticket: USAA ($1,050 annually) and State Farm ($1,248 annually)
- Cheapest with an at-fault accident: USAA ($1,197 annually) and American National ($1,457 annually)
- Cheapest with a DUI: American National ($1,713 annually) and USAA ($1,747 annually)
- Cheapest with low credit: GEICO ($1,811 annually) and State Farm ($2,060 annually)
Cheapest Car Insurance in Wyoming for Full Coverage: American National
American National is the cheapest auto insurer in Wyoming for full coverage policies, with an average annual premium of $870. This is lower than the cost of minimum coverage policies in many other states and 28 percent below the Wyoming average. USAA also provides very affordable rates for military-affiliated drivers.
| Provider | Annual full coverage | Monthly full coverage |
|---|---|---|
| American National | $870 | $73 |
| USAA | $960 | $80 |
| State Farm | $1,239 | $103 |
| GEICO | $1,356 | $113 |
| Farmers | $1,709 | $142 |
| Allstate | $2,343 | $195 |
| Wyoming average | $1,211 | $101 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Wyoming for Minimum Coverage: American National
American National also has the cheapest average rates for minimum coverage in Wyoming, at only $188 per year, on average. GEICO and USAA also have affordable rates: $196 per year and $197 per year, respectively.
| Provider | Annual minimum coverage | Monthly minimum coverage |
|---|---|---|
| American National | $188 | $16 |
| GEICO | $196 | $16 |
| USAA | $197 | $16 |
| State Farm | $258 | $22 |
| Farmers | $425 | $35 |
| Allstate | $640 | $53 |
| Wyoming average | $343 | $29 |
| National average | $635 | $53 |
Cheapest Car Insurance in Wyoming for Teen Drivers: USAA
USAA offers the lowest rates for households with teen drivers in Wyoming. The average rate, $2,820, is 40 percent lower than the state average. For teen drivers who are not eligible for USAA, American National ($3,124 annually) and GEICO ($3,832 annually) also offer below-average rates.
| Provider | Annual rate with a teen driver | Monthly rate with a teen driver |
|---|---|---|
| USAA | $2,820 | $235 |
| American National | $3,124 | $260 |
| GEICO | $3,832 | $319 |
| State Farm | $4,096 | $341 |
| Farmers | $4,762 | $397 |
| Allstate | $8,255 | $688 |
| Wyoming average | $4,700 | $392 |
| National average | $5,327 | $444 |
TIP:
Teens pay more than other age groups for auto insurance, on average, given their limited driving experience. Adding a teen to a family policy and taking advantage of young driver discounts, such as those for good students, can help families save.
Cheapest Car Insurance in Wyoming With a Speeding Ticket: USAA
Wyoming drivers with a speeding ticket can find the lowest average rates from USAA (if eligible), at $1,050, and State Farm, at $1,248. Both companies offer rates below the state annual average of $1,844.
| Provider | Annual rate with a speeding ticket | Monthly rate with a speeding ticket |
|---|---|---|
| USAA | $1,050 | $88 |
| State Farm | $1,248 | $104 |
| Farmers | $1,833 | $153 |
| Allstate | $2,405 | $200 |
| GEICO | $2,570 | $214 |
| Wyoming average | $1,844 | $154 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Wyoming With an At-Fault Accident: USAA
At-fault accidents will generally cause your insurance rates to increase, but it’s still possible to find affordable rates. In Wyoming, USAA and American National have the lowest average premiums for drivers with an at-fault accident, at $1,197 per year and $1,457 per year, respectively. With an average rate of $1,476, State Farm is not far behind American National.
| Provider | Annual rate with an at-fault accident | Monthly rate with an at-fault accident |
|---|---|---|
| USAA | $1,197 | $100 |
| American National | $1,457 | $121 |
| State Farm | $1,476 | $123 |
| Farmers | $1,996 | $166 |
| GEICO | $2,023 | $169 |
| Allstate | $3,122 | $260 |
| Wyoming average | $1,942 | $162 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in Wyoming With a DUI: American National
Drivers in Wyoming who have been convicted of a DUI can find the lowest average rates from American National. At $1,713 annually, on average, this rate is 33 percent lower than the state average of $2,558. USAA ($1,747 annually) also offers competitive rates for military drivers.
| Provider | Annual rate with a DUI | Monthly rate with a DUI |
|---|---|---|
| American National | $1,713 | $143 |
| USAA | $1,747 | $146 |
| State Farm | $1,805 | $150 |
| Allstate | $2,785 | $232 |
| Farmers | $3,348 | $279 |
| GEICO | $3,439 | $287 |
| Wyoming average | $2,558 | $213 |
| National average | $3,305 | $275 |
Cheapest Car Insurance in Wyoming With Low Credit: GEICO
Having poor credit can significantly increase insurance rates. In Wyoming, GEICO has the best rates for drivers with low credit, with an average annual premium of $1,811 — 20 percent below the state average. State Farm and Farmers also have below-average rates of $2,060 per year and $2,084 per year, respectively.
| Provider | Annual rate with low credit | Monthly rate with low credit |
|---|---|---|
| GEICO | $1,811 | $151 |
| State Farm | $2,060 | $172 |
| Farmers | $2,084 | $174 |
| USAA | $2,687 | $224 |
| Allstate | $3,187 | $266 |
| Wyoming average | $2,267 | $189 |
| National average | $3,377 | $281 |
Best Claims and Customer Satisfaction in Wyoming: State Farm
State Farm has the strongest customer service ratings among widely available auto insurance providers in Wyoming. State Farm also has below-average rates for most driver profiles, making it a solid choice for Wyoming drivers who prioritize the customer experience. USAA also has strong customer service scores, but it is limited to military members, veterans and their families.
| Provider | Northwest customer satisfaction score (J.D. Power)1 | Claims satisfaction score (J.D. Power)2 | CRASH Network Insurer Report Card grade3 |
|---|---|---|---|
| USAA | 743 | 726 | D+ |
| State Farm | 656 | 710 | C- |
| Farmers | 641 | 706 | C- |
| GEICO | 637 | 692 | C- |
| Allstate | 626 | 691 | D |
| American National | N/A | N/A | C+ |
| Average | 643 | 697 | C+ |
How to Find the Cheapest Car Insurance Rates in Wyoming
- Maintain a clean record. Average auto insurance rates in Wyoming are already low compared with most of the country, and keeping a clean driving record will help you maintain those low rates. Even a violation like a speeding ticket can cause your rates to increase.
- Use bundling discounts. If you’re in the market for (or already have) another type of insurance policy, such as home or renters, get a quote from the same companies you’re considering for auto insurance. Most of the time, buying more than one policy from the same insurer will get you a discount on both.
- Raise your deductibles. Liability coverage doesn’t include a deductible, but there are separate deductibles for comprehensive and collision coverage. If you have these coverage types, increasing your deductibles will lower your premium, but it also means you will pay more out of pocket in the event of a claim. Make sure you can afford to do so. If you’re not sure where to start, a $1,000 deductible often strikes a good balance, but ultimately, it depends on your personal finances.
- Lower your coverage. Reducing your coverage limits or dropping unnecessary coverages will lower your premium, but it will also leave you more financially vulnerable in the event of a claim. Dropping full coverage on an old car may make sense, but weigh changes to your coverage carefully to ensure you’re keeping adequate protection.
Average Auto Insurance Cost in Wyoming by City
Although auto insurance rates are lower than average in Wyoming, they may be higher in certain areas, especially cities. Rock Springs has the most expensive average rates, at $1,536 per year. That’s 27 percent above the state average but still well below the national average. Cheyenne is a more affordable city, with average auto insurance rates of $1,449 annually.
| City | Annual full coverage | Monthly full coverage |
|---|---|---|
| Rock Springs | $1,536 | $128 |
| Gillette | $1,504 | $125 |
| Laramie | $1,473 | $123 |
| Casper | $1,459 | $122 |
| Cheyenne | $1,449 | $121 |
| Wyoming average | $1,211 | $101 |
Minimum Car Insurance Requirements in Wyoming
Wyoming state law requires that residents have at least the following coverage on their auto insurance policy to drive legally:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $20,000 per accident4
Minimum coverage is better than nothing, but it may not be enough to cover damages if you cause an accident. If you can afford to, it’s a good idea to opt for higher limits. In addition, if you’re insuring a newer vehicle, consider adding full coverage (which your lender likely requires, if it’s a loan or lease).
Frequently Asked Questions
Who has the cheapest car insurance in Wyoming?
American National has the cheapest car insurance in Wyoming, with average annual premiums of $870 for full coverage and $188 for minimum coverage. USAA comes in second place for full coverage ($960 annually), while GEICO has the next-cheapest rates for minimum coverage ($196 annually).
How does a driving record affect car insurance rates in Wyoming?
Your driving record greatly affects car insurance rates in Wyoming, as it’s one of the most important factors insurers consider when determining premiums. Here is an overview of average rates in the state based on different driving records:
| Driving record | Average Wyoming rate |
|---|---|
| Clean | $1,211 |
| Speeding ticket | $1,844 |
| At-fault accident | $1,942 |
| DUI | $2,558 |
Are there any unique car insurance discounts for young drivers in Wyoming?
There are several discounts that young drivers in Wyoming can take advantage of, depending on the company and eligibility. For example, most insurers offer a version of a good-student discount, which usually provides a discount to students with at least a B average (3.0 GPA). Students who are away at college without regular access to a vehicle also may be eligible for a discount. In addition, State Farm has a specific telematics discount program for young drivers, called Steer Clear, which can provide significant discounts for young drivers.
What are the best car insurance companies for military members in Wyoming?
USAA is generally considered the best car insurance company for military members and veterans, and it offers some of the cheapest rates for most driver categories in Wyoming. GEICO also offers special military discounts and has low average rates, so it may be another good option for military members in Wyoming.
Methodology
We analyzed average auto insurance premiums in Wyoming for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyTrust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds. J.D. Power. (2024, Jun 5).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-studyAuto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyFrequently Asked Questions. Wyoming Department of Transportation. (2024).
https://www.dot.state.wy.us/home/driver_license_records/suspensionsignition-interlock/Frequently%20Asked%20Questions.html
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