Best Cheap Car Insurance in Wyoming for 2021

Find the best auto insurance in Wyoming: Compare car insurance companies to get the cheapest insurance quotes.

Andrew MarderDecember 9, 2020
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Finding the cheapest auto insurance in Wyoming means shopping around. Rates vary from one company to the next and depend on factors such as your age and accident history.

To help you get started, NerdWallet looked at prices from five insurers in Wyoming to find the cheapest rates for several types of drivers.

Cheapest for 20-year-old drivers in Wyoming

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage in Wyoming for 20-year-olds

Drivers in Wyoming with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Farmers: $2,109 per year.

  2. State Farm: $2,384 per year.

  3. Geico: $2,932 per year.

  4. Allstate: $2,939 per year.

  5. MetLife: $3,402 per year.

Cheapest minimum coverage in Wyoming for 20-year-olds

Drivers in Wyoming who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Geico: $375 per year.

  2. State Farm: $546 per year.

  3. Farmers: $627 per year.

  4. Allstate: $781 per year.

  5. MetLife: $919 per year.

Cheapest coverage for 20-year-olds with poor credit in Wyoming

Drivers with poor credit in Wyoming should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $515 per year.

  2. Farmers: $749 per year.

  3. State Farm: $913 per year.

  4. Allstate: $1,025 per year.

  5. MetLife: $1,939 per year.

Cheapest for 20-year-old drivers with one at-fault crash in Wyoming

For drivers with a recent accident in Wyoming, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $442 per year.

  2. State Farm: $668 per year.

  3. Farmers: $783 per year.

  4. Allstate: $1,034 per year.

  5. MetLife: $1,544 per year.

Cheapest insurance for 20-year-old drivers after a DUI in Wyoming

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. State Farm: $607 per year.

  2. Geico: $628 per year.

  3. Allstate: $939 per year.

  4. Farmers: $1,510 per year.

  5. MetLife: $2,337 per year.

Cheapest for 30-year-old drivers in Wyoming

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage in Wyoming for 30-year-olds

Drivers in Wyoming with clean driving records may get the lowest rates from these companies:

  1. State Farm: $995 per year.

  2. Farmers: $1,100 per year.

  3. Geico: $1,486 per year.

  4. MetLife: $1,645 per year.

  5. Allstate: $1,761 per year.

Cheapest minimum coverage in Wyoming for 30-year-olds

Drivers in Wyoming who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $170 per year.

  2. State Farm: $223 per year.

  3. Farmers: $351 per year.

  4. MetLife: $359 per year.

  5. Allstate: $596 per year.

Cheapest coverage for 30-year-olds with poor credit in Wyoming

Drivers with poor credit in Wyoming should consider the following companies with the lowest average rates for full coverage:

  1. Farmers: $1,320 per year.

  2. State Farm: $1,643 per year.

  3. Geico: $2,043 per year.

  4. Allstate: $2,625 per year.

  5. MetLife: $3,792 per year.

Cheapest for 30-year-old drivers with one at-fault crash in Wyoming

For drivers in Wyoming with a recent accident, here are the lowest average rate options for full coverage:

  1. State Farm: $1,152 per year.

  2. Farmers: $1,304 per year.

  3. Geico: $2,258 per year.

  4. Allstate: $2,393 per year.

  5. MetLife: $2,517 per year.

Cheapest insurance for 30-year-old drivers after a DUI in Wyoming

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. State Farm: $1,074 per year.

  2. Allstate: $2,171 per year.

  3. Farmers: $2,256 per year.

  4. MetLife: $3,805 per year.

  5. Geico: $3,891 per year.

Cheapest for 40-year-old drivers in Wyoming

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage in Wyoming for 40-year-olds

Drivers in Wyoming with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. State Farm: $995 per year.

  2. Farmers: $1,059 per year.

  3. Geico: $1,486 per year.

  4. MetLife: $1,545 per year.

  5. Allstate: $1,761 per year.

Cheapest minimum coverage in Wyoming for 40-year-olds

Drivers in Wyoming who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $170 per year.

  2. State Farm: $223 per year.

  3. Farmers: $338 per year.

  4. MetLife: $346 per year.

  5. Allstate: $596 per year.

Cheapest coverage for 40-year-olds with poor credit in Wyoming

Drivers with poor credit in Wyoming can check out the following insurers with the lowest average rates for full coverage:

  1. Farmers: $1,270 per year.

  2. State Farm: $1,643 per year.

  3. Geico: $2,043 per year.

  4. Allstate: $2,625 per year.

  5. MetLife: $3,562 per year.

Cheapest for 40-year-old drivers with one at-fault crash in Wyoming

For drivers with a recent accident living in Wyoming, here are the companies with the lowest average rates for full coverage:

  1. State Farm: $1,152 per year.

  2. Farmers: $1,263 per year.

  3. Geico: $2,258 per year.

  4. MetLife: $2,353 per year.

  5. Allstate: $2,393 per year.

Cheapest insurance for 40-year-old drivers after a DUI in Wyoming

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. State Farm: $1,074 per year.

  2. Allstate: $2,171 per year.

  3. Farmers: $2,214 per year.

  4. MetLife: $3,558 per year.

  5. Geico: $3,891 per year.

Cheapest for 50-year-old drivers in Wyoming

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage in Wyoming for 50-year-olds

Drivers in Wyoming with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. State Farm: $907 per year.

  2. Farmers: $997 per year.

  3. MetLife: $1,419 per year.

  4. Geico: $1,422 per year.

  5. Allstate: $1,700 per year.

Cheapest minimum coverage in Wyoming for 50-year-olds

Drivers in Wyoming who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $160 per year.

  2. State Farm: $203 per year.

  3. MetLife: $318 per year.

  4. Farmers: $319 per year.

  5. Allstate: $585 per year.

Cheapest coverage for 50-year-olds with poor credit in Wyoming

Drivers with poor credit in Wyoming can check with the following companies, which showed the lowest average rates for full coverage:

  1. Farmers: $1,195 per year.

  2. State Farm: $1,495 per year.

  3. Geico: $1,955 per year.

  4. Allstate: $2,526 per year.

  5. MetLife: $3,269 per year.

Cheapest for 50-year-old drivers with one at-fault crash in Wyoming

For drivers living in Wyoming with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. State Farm: $1,050 per year.

  2. Farmers: $1,201 per year.

  3. MetLife: $2,155 per year.

  4. Geico: $2,194 per year.

  5. Allstate: $2,306 per year.

Cheapest insurance for 50-year-old drivers after a DUI in Wyoming

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. State Farm: $978 per year.

  2. Allstate: $2,093 per year.

  3. Farmers: $2,152 per year.

  4. MetLife: $3,257 per year.

  5. Geico: $3,826 per year.

Cheapest for 65-year-old drivers in Wyoming

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage in Wyoming for 65-year-olds

Drivers in Wyoming with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. State Farm: $867 per year.

  2. Farmers: $1,028 per year.

  3. MetLife: $1,233 per year.

  4. Geico: $1,644 per year.

  5. Allstate: $1,729 per year.

Cheapest minimum coverage in Wyoming for 65-year-olds

Drivers in Wyoming who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Geico: $186 per year.

  2. State Farm: $193 per year.

  3. MetLife: $317 per year.

  4. Farmers: $329 per year.

  5. Allstate: $619 per year.

Cheapest coverage for 65-year-olds with poor credit in Wyoming

Drivers with poor credit in Wyoming can look at the following companies with the lowest average rates for full coverage:

  1. Farmers: $1,233 per year.

  2. State Farm: $1,429 per year.

  3. Geico: $2,261 per year.

  4. Allstate: $2,571 per year.

  5. MetLife: $2,840 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Wyoming

For drivers with a recent accident living in Wyoming, here are the companies with the lowest average rates for full coverage:

  1. State Farm: $1,003 per year.

  2. Farmers: $1,232 per year.

  3. MetLife: $1,894 per year.

  4. Allstate: $2,364 per year.

  5. Geico: $2,416 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Wyoming

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. State Farm: $935 per year.

  2. Allstate: $2,145 per year.

  3. Farmers: $2,183 per year.

  4. MetLife: $2,865 per year.

  5. Geico: $4,050 per year.

Minimum required auto insurance in Wyoming

Wyoming car insurance policies must include liability insurance. This pays for others’ injuries or property damage if you cause an accident.

The minimum limits in Wyoming are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $20,000 property damage liability per accident.

Buying only the legal minimum auto insurance may not be enough if you’re in an accident. You may want higher levels of liability insurance, and you should consider common options such as collision and comprehensive coverage.

Check out NerdWallet’s guide to state car insurance requirements for explanations of the required and optional parts of a Wyoming auto policy.

Alternative car insurance in Wyoming

High-risk drivers who aren’t able to buy car insurance on the regular market could qualify for coverage through the Wyoming Automobile Insurance Plan.

If you’re in the market for auto insurance in Wyoming, try NerdWallet’s car insurance comparison tool to see rates from top companies side by side.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

  • We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

  • We analyzed rates for drivers 20 to 80 years old in five-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These are rates generated through Quadrant Information Services. Your own rates will be different.

Methodology

For our “good driver” profile, NerdWallet averaged rates from the largest insurers in the state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

If required, minimum additional coverages were added and "good driver" discounts were automatically applied. Our “young driver” had all the same characteristics, but average rates were for 25-year-old men and women. We used a 2016 Toyota Camry LE for all single drivers. We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.

  • For drivers with a DUI, we added a single drunken driving violation.

Couples in our analyses were 50-year-old men and women with good credit and clean driving histories, averaged across all ZIP codes with the same policy outlined above. To see rates for families with a teen, we added an 18-year-old licensed two years ago, averaging rates for male and female teens. For couples and families we added a 2016 Nissan Rogue S to create a two-car household.

In all cases, a paperless discount, e-signature discount and electronic funds transfer discount were automatically applied. These are rates provided by Quadrant Information Services. Your own rates will be different.

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