The Cheapest Car Insurance in Wyoming for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Wyoming for a variety of ages and driving histories.
Dec 10, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Wyoming isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Wyoming is $1,484 per year, or about $124 per month, according to NerdWallet’s analysis. Minimum coverage in Wyoming is $336 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Wyoming at $170 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest car insurance company overall in Wyoming

$86/month

5.0

NerdWallet rating 

Cheapest for minimum coverage

$14/month

4.5

NerdWallet rating 

Cheapest for young drivers

$176/month

4.5

NerdWallet rating 

Cheapest for drivers with poor credit

$86/month

4.5

NerdWallet rating 
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How we chose the cheapest companies in Wyoming

NerdWallet’s editorial team analyzed car insurance rates from five auto insurers in Wyoming and ranked the cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Wyoming. For full coverage, we used the below 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.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best 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 car insurance 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: $2,108 per year, or about $176 per month.

  2. State Farm: $2,471 per year, or about $206 per month.

  3. Geico: $3,165 per year, or about $264 per month.

  4. Allstate: $3,280 per year, or about $273 per month.

  5. MetLife: $3,660 per year, or about $305 per month.

Cheapest minimum coverage car insurance 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, or about $31 per month.

  2. State Farm: $546 per year, or about $46 per month.

  3. Farmers: $627 per year, or about $52 per month.

  4. Allstate: $773 per year, or about $64 per month.

  5. MetLife: $917 per year, or about $76 per month.

Cheapest auto insurance in Wyoming for 20-year-olds with poor credit

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, or about $43 per month.

  2. Farmers: $749 per year, or about $62 per month.

  3. State Farm: $913 per year, or about $76 per month.

  4. Allstate: $1,008 per year, or about $84 per month.

  5. MetLife: $1,935 per year, or about $161 per month.

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

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, or about $37 per month.

  2. State Farm: $668 per year, or about $56 per month.

  3. Farmers: $783 per year, or about $65 per month.

  4. Allstate: $1,016 per year, or about $85 per month.

  5. MetLife: $1,541 per year, or about $128 per month.

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

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, or about $51 per month.

  2. Geico: $628 per year, or about $52 per month.

  3. Allstate: $924 per year, or about $77 per month.

  4. Farmers: $1,510 per year, or about $126 per month.

  5. MetLife: $2,332 per year, or about $194 per month.

Cheapest for 30-year-old drivers

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 car insurance in Wyoming for 30-year-olds

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

  1. State Farm: $1,031 per year, or about $86 per month.

  2. Farmers: $1,100 per year, or about $92 per month.

  3. Geico: $1,614 per year, or about $134 per month.

  4. MetLife: $1,763 per year, or about $147 per month.

  5. Allstate: $1,984 per year, or about $165 per month.

Cheapest minimum coverage car insurance 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, or about $14 per month.

  2. State Farm: $223 per year, or about $19 per month.

  3. Farmers: $351 per year, or about $29 per month.

  4. MetLife: $359 per year, or about $30 per month.

  5. Allstate: $595 per year, or about $50 per month.

Cheapest auto insurance in Wyoming for 30-year-olds with poor credit

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, or about $110 per month.

  2. State Farm: $1,702 per year, or about $142 per month.

  3. Geico: $2,218 per year, or about $185 per month.

  4. Allstate: $2,980 per year, or about $248 per month.

  5. MetLife: $4,062 per year, or about $338 per month.

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

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

  1. State Farm: $1,192 per year, or about $99 per month.

  2. Farmers: $1,304 per year, or about $109 per month.

  3. Geico: $2,453 per year, or about $204 per month.

  4. Allstate: $2,677 per year, or about $223 per month.

  5. MetLife: $2,703 per year, or about $225 per month.

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

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

  1. State Farm: $1,112 per year, or about $93 per month.

  2. Farmers: $2,256 per year, or about $188 per month.

  3. Allstate: $2,420 per year, or about $202 per month.

  4. MetLife: $4,085 per year, or about $340 per month.

  5. Geico: $4,227 per year, or about $352 per month.

Cheapest for 40-year-old drivers

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 car insurance 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: $1,031 per year, or about $86 per month.

  2. Farmers: $1,059 per year, or about $88 per month.

  3. Geico: $1,614 per year, or about $134 per month.

  4. MetLife: $1,653 per year, or about $138 per month.

  5. Allstate: $1,984 per year, or about $165 per month.

Cheapest minimum coverage car insurance 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, or about $14 per month.

  2. State Farm: $223 per year, or about $19 per month.

  3. Farmers: $338 per year, or about $28 per month.

  4. MetLife: $345 per year, or about $29 per month.

  5. Allstate: $595 per year, or about $50 per month.

Cheapest auto insurance in Wyoming for 40-year-olds with poor credit

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, or about $106 per month.

  2. State Farm: $1,702 per year, or about $142 per month.

  3. Geico: $2,218 per year, or about $185 per month.

  4. Allstate: $2,980 per year, or about $248 per month.

  5. MetLife: $3,810 per year, or about $318 per month.

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

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

  1. State Farm: $1,192 per year, or about $99 per month.

  2. Farmers: $1,263 per year, or about $105 per month.

  3. Geico: $2,453 per year, or about $204 per month.

  4. MetLife: $2,521 per year, or about $210 per month.

  5. Allstate: $2,677 per year, or about $223 per month.

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

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

  1. State Farm: $1,112 per year, or about $93 per month.

  2. Farmers: $2,214 per year, or about $184 per month.

  3. Allstate: $2,420 per year, or about $202 per month.

  4. MetLife: $3,813 per year, or about $318 per month.

  5. Geico: $4,227 per year, or about $352 per month.

Cheapest for 50-year-old drivers

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 cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance 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: $939 per year, or about $78 per month.

  2. Farmers: $997 per year, or about $83 per month.

  3. MetLife: $1,517 per year, or about $126 per month.

  4. Geico: $1,544 per year, or about $129 per month.

  5. Allstate: $1,910 per year, or about $159 per month.

Cheapest minimum coverage car insurance 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, or about $13 per month.

  2. State Farm: $203 per year, or about $17 per month.

  3. MetLife: $318 per year, or about $26 per month.

  4. Farmers: $319 per year, or about $27 per month.

  5. Allstate: $584 per year, or about $49 per month.

Cheapest auto insurance in Wyoming for 50-year-olds with poor credit

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, or about $100 per month.

  2. State Farm: $1,549 per year, or about $129 per month.

  3. Geico: $2,123 per year, or about $177 per month.

  4. Allstate: $2,861 per year, or about $238 per month.

  5. MetLife: $3,496 per year, or about $291 per month.

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

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

  1. State Farm: $1,086 per year, or about $90 per month.

  2. Farmers: $1,201 per year, or about $100 per month.

  3. MetLife: $2,309 per year, or about $192 per month.

  4. Geico: $2,384 per year, or about $199 per month.

  5. Allstate: $2,575 per year, or about $215 per month.

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

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: $1,013 per year, or about $84 per month.

  2. Farmers: $2,152 per year, or about $179 per month.

  3. Allstate: $2,330 per year, or about $194 per month.

  4. MetLife: $3,489 per year, or about $291 per month.

  5. Geico: $4,158 per year, or about $346 per month.

Cheapest for 60-year-old drivers

Although 60-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 car insurance for seniors, drivers in their 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 car insurance in Wyoming for 60-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: $890 per year, or about $74 per month.

  2. Farmers: $997 per year, or about $83 per month.

  3. MetLife: $1,352 per year, or about $113 per month.

  4. Geico: $1,544 per year, or about $129 per month.

  5. Allstate: $1,866 per year, or about $156 per month.

Cheapest minimum coverage car insurance in Wyoming for 60-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: $160 per year, or about $13 per month.

  2. State Farm: $192 per year, or about $16 per month.

  3. MetLife: $301 per year, or about $25 per month.

  4. Farmers: $319 per year, or about $27 per month.

  5. Allstate: $600 per year, or about $50 per month.

Cheapest auto insurance in Wyoming for 60-year-olds with poor credit

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

  1. Farmers: $1,195 per year, or about $100 per month.

  2. State Farm: $1,466 per year, or about $122 per month.

  3. Geico: $2,123 per year, or about $177 per month.

  4. Allstate: $2,790 per year, or about $232 per month.

  5. MetLife: $3,115 per year, or about $260 per month.

Cheapest auto insurance in Wyoming for 60-year-old drivers with one at-fault crash

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

  1. State Farm: $1,028 per year, or about $86 per month.

  2. Farmers: $1,201 per year, or about $100 per month.

  3. MetLife: $2,068 per year, or about $172 per month.

  4. Geico: $2,384 per year, or about $199 per month.

  5. Allstate: $2,523 per year, or about $210 per month.

Cheapest auto insurance in Wyoming for 60-year-old drivers after a DUI

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: $959 per year, or about $80 per month.

  2. Farmers: $2,152 per year, or about $179 per month.

  3. Allstate: $2,283 per year, or about $190 per month.

  4. MetLife: $3,127 per year, or about $261 per month.

  5. Geico: $4,158 per year, or about $346 per month.

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.

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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 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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-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 the 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.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

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

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