INSURANCE - CAR INSURANCE

Best Car Insurance in Wyoming for 2024

Updated April 21, 2024
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USAA and State Farm generally offer the cheapest car insurance in Wyoming.

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From Yellowstone National Park to the Oregon Trail Historic Byway and the grandeur of the Rocky Mountains, Wyoming does not disappoint residents looking to explore by car. Thankfully, the cost of car insurance in the Cowboy State is lower than the national average, making a last-minute road trip an easy decision.

Below, we look at the best car insurance in Wyoming to help you save while still getting the best coverage.

In this article

Key takeaways

  • The best car insurance in Wyoming is USAA, which costs $866 yearly for comprehensive coverage.
  • Drivers with a clean driving record pay an average of $112 per month in Wyoming.
  • Gillette drivers generally pay the most for car insurance, an average of $1,725 a year.

Best car insurance companies in Wyoming

USAA is generally the best car insurance carrier in Wyoming, with the highest customer satisfaction scores and the lowest full and minimum coverage prices. Allstate was the most expensive carrier in the state, costing an annual average of $1,607 for full coverage, nearly double the cheapest available option. Its minimum insurance costs $499 annually, hundreds more than USAA’s minimum coverage.

Provider J.D. Power customer satisfaction rating Estimated annual full coverage Estimated annual minimum liability coverage
USAA 875/1,000 $866/year $186/year
MetLife 852/1,000 $1,163/year $258/year
State Farm 821/1,000 $1,022/year $247/year
GEICO 797/1,000 $1,442/year $203/year
Farmers 796/1,000 $1,401/year $381/year
Allstate 783/1,000 $1,607/year $499/year

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USAA: Highest customer satisfaction

USAA earned 875 out of 1,000 in customer satisfaction, the highest rating in Wyoming. It also offers the cheapest coverage, averaging just $866 annually for full coverage and $186 per year for minimum coverage. While USAA is a great option for car insurance, its policies are only available to current and former military members, and it doesn’t offer as many specialty policies, like accident forgiveness, as some competitors.

Pros
  • USAA had the best pricing on our Wyoming list
  • It offers multiple discounts, including up to 10% off if you bundle home and auto policies
Cons
  • USAA policies are only available to current and former military members and their families
  • You will likely find more specialty policy options with a competitor

Get a quote now | USAA review

State Farm: Most affordable coverage

State Farm customers pay an average of $1,022 per year for full coverage, the most affordable option available to the general public in Wyoming. Its minimum coverage costs $247 annually, coming in third, just behind GEICO. State Farm offers many standard and optional coverages and discounts. New drivers may save up to 25% on their premiums with State Farm. However, it earned only average customer satisfaction scores.

Pros
  • State Farm had the lowest cost full coverage car insurance in Wyoming
  • It has multiple agents throughout the state
Cons
  • You can request a quote online but must work with a local agent to purchase a policy
  • State Farm earned third place in customer satisfaction

Get a quote now | State Farm review

GEICO: Best budget pick

GEICO may be a good option for those on a tight budget. While it was the second most expensive full coverage in Wyoming, it offers the cheapest minimum coverage available to the general public, costing a yearly average of $203. GEICO offers multiple coverage options and discounts, which might help you save more.

Pros
  • GEICO had the most affordable minimum coverage in Wyoming
  • It has multiple coverage options, including rental reimbursement and accident forgiveness
Cons
  • It was the second most expensive full coverage option in Wyoming
  • GEICO earned below-average customer satisfaction scores

Get a quote now | GEICO review

Farmers: Best for coverage options

Farmers insurance is a more expensive option in Wyoming, costing an average of $1,401 annually for full coverage and $381 for minimum coverage. While you’ll likely find cheaper coverage with a competitor, Farmers’ extensive policy options, including full windshield and glass coverage and accident forgiveness, can make it a good choice for some.

Pros
  • Farmers offer multiple policy options, including loss of use and rideshare coverage
  • It has multiple discounts, like for mature drivers who complete a defensive driving course
Cons
  • You can likely find cheaper coverage with another carrier
  • It earned the second-lowest customer satisfaction score on our list

Get a quote now | Farmers review

Allstate: Best for new cars

Allstate offers Wyoming's most expensive full coverage insurance, averaging $1,607 annually—almost double similar coverage from USAA. Its minimum coverage was also the most expensive, costing $499 yearly, more than twice GEICO and State Farm’s minimum coverage. However, its policies specifically for new cars, like loan/lease payoff, new car replacement, and repair provision coverages, might make it worth considering if you just purchased a new vehicle.

Pros
  • Allstate has many policy options, including a vanishing deductible and gap coverage
  • It has multiple discounts, including up to 25% off when bundling home and auto policies
Cons
  • You can find cheaper full and minimum coverage with a competitor
  • It earned our list’s lowest customer satisfaction scores

Get a quote now | Allstate review

Wyoming auto insurance requirements

All drivers in Wyoming must have at least the following minimum insurance amounts to drive legally:

  • $25,000 in bodily injury liability for one person in an accident
  • $50,000 in bodily injury liability for two or more people in an accident
  • $20,000 in property damage liability

Wyoming also requires uninsured/underinsured motorist coverage, but drivers can reject it if they submit a waiver of coverage in writing.

How to choose a car insurance provider in Wyoming

As you look for a new car insurance provider, consider the following:

  • Get multiple quotes: Compare pricing and coverage options from at least three companies. Check that the coverage types, limits, and add-ons are similar and that you get all the discounts you qualify for.
  • Read reviews: Check websites like the Better Business Bureau to see how a company responds to and resolves customer issues. Ask friends and family for recommendations if you are new to an area.
  • Check financial stability: Use a website like Standard & Poor’s or AM Best to check each insurance company's financial rating. Confirm that the company is licensed in Wyoming by checking with the Wyoming Department of Insurance or the National Association of Insurance Commissioners (NAIC).

How much does car insurance cost in Wyoming?

The average cost of car insurance in Wyoming is $1,349 per year for full coverage and just $305 annually for minimum coverage.

On average, drivers in Gillette pay the most for car insurance, about $1,725 per year. Cheyenne drivers generally spend an average of $1,560 annually, the least in the state.

Wyoming car insurance rates by city

Gillette has a higher percentage of teen drivers, which helps explain, in part, why its insurance rates are higher than those of the state capital, Cheyenne. According to the U.S. Census Bureau, people 18 and under comprise 29.3% of Gillette’s total population but just 21.1% of Cheyenne’s population.

City Avg. annual full-coverage premium
Gillette $1,725/year
Rock Springs $1,666/year
Laramie $1,606/year
Casper$1,591/year
Sheridan $1,564/year
Cheyenne $1,560/year

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.

FAQs about car insurance costs in Wyoming

What are the minimum car insurance coverage requirements in Wyoming?

The minimum car insurance coverage requirements in Wyoming are $25,000 in bodily injury liability for one person and $50,000 in bodily injury liability for two or more people in an accident. Drivers must also have $20,000 in property damage liability.

Wyoming requires insurance carriers to offer uninsured/underinsured motorist coverage, but drivers can reject it if they submit a waiver of coverage in writing.

How much does car insurance cost in Wyoming?

Car insurance in Wyoming costs an annual average of $1,349 for full coverage and $305 per year for the state’s minimum liability coverage.

Which car insurance companies cover Wyoming?

Wyoming is covered by many well-known car insurance companies, including Allstate, State Farm, USAA, GEICO, and Farmers. 

What is the cheapest car insurance company in Wyoming?

The cheapest car insurance company in Wyoming is USAA, which has an annual average of $866 for full coverage and $186 for minimum coverage.

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Author Details

Kate Daugherty Kate Daugherty is a professional writer with a passion for providing others the head start they deserve on their financial journeys. Largely self-taught, Kate relied on books, blogs, and trial-and-error to learn how to budget and save for the future, all while working to pay back about $15,000 in student loans.