Cheap Car Insurance in Wyoming for 2023

American National offers the cheapest car insurance in Wyoming, with an average monthly rate of $55 for full coverage.
Ben Moore
By Ben Moore  
Updated

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Table of Contents

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Auto insurance is an important purchase, but finding cheap car insurance in Wyoming isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Wyoming is American National at $661 per year on average, or $55 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Wyoming. Meanwhile, the average cost of full coverage car insurance in Wyoming is $1,553 per year, or about $129 per month.

Minimum coverage in Wyoming is $289 per year on average, but we found you can likely get a cheaper policy. For example, American National offers the cheapest rates in Wyoming at $145 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in Wyoming

NerdWallet’s editorial team analyzed car insurance rates from 7 auto insurers in Wyoming and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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.

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 Wyoming 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 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. American National: $1,421 per year, or about $118 per month.
  2. Farmers: $2,646 per year, or about $220 per month.
  3. State Farm: $2,957 per year, or about $246 per month.
  4. Geico: $2,980 per year, or about $248 per month.
  5. MetLife: $5,170 per year, or about $431 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: $337 per year, or about $28 per month.
  2. American National: $348 per year, or about $29 per month.
  3. State Farm: $640 per year, or about $53 per month.
  4. Farmers: $786 per year, or about $65 per month.
  5. MetLife: $1,001 per year, or about $83 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: $464 per year, or about $39 per month.
  2. American National: $523 per year, or about $44 per month.
  3. Farmers: $942 per year, or about $78 per month.
  4. State Farm: $1,071 per year, or about $89 per month.
  5. Allstate: $1,344 per year, or about $112 per month.

Cheapest auto insurance in Wyoming for 20-year-old drivers with one speeding ticket

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

  1. Geico: $489 per year, or about $41 per month.
  2. American National: $626 per year, or about $52 per month.
  3. State Farm: $741 per year, or about $62 per month.
  4. Farmers: $838 per year, or about $70 per month.
  5. Allstate: $1,123 per year, or about $94 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: $405 per year, or about $34 per month.
  2. American National: $751 per year, or about $63 per month.
  3. State Farm: $836 per year, or about $70 per month.
  4. Farmers: $942 per year, or about $79 per month.
  5. Allstate: $1,408 per year, or about $117 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. Geico: $590 per year, or about $49 per month.
  2. American National: $870 per year, or about $73 per month.
  3. State Farm: $984 per year, or about $82 per month.
  4. Allstate: $1,232 per year, or about $103 per month.
  5. Farmers: $1,669 per year, or about $139 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 who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. American National: $661 per year, or about $55 per month.
  2. State Farm: $1,032 per year, or about $86 per month.
  3. Farmers: $1,348 per year, or about $112 per month.
  4. Geico: $1,472 per year, or about $123 per month.
  5. MetLife: $2,403 per year, or about $200 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. American National: $145 per year, or about $12 per month.
  2. Geico: $149 per year, or about $12 per month.
  3. State Farm: $218 per year, or about $18 per month.
  4. MetLife: $388 per year, or about $32 per month.
  5. Farmers: $417 per year, or about $35 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. American National: $936 per year, or about $78 per month.
  2. Farmers: $1,618 per year, or about $135 per month.
  3. State Farm: $1,702 per year, or about $142 per month.
  4. Geico: $2,024 per year, or about $169 per month.
  5. Allstate: $4,621 per year, or about $385 per month.

Cheapest auto insurance in Wyoming for 30-year-old drivers with one speeding ticket

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

  1. American National: $239 per year, or about $20 per month.
  2. State Farm: $253 per year, or about $21 per month.
  3. Geico: $321 per year, or about $27 per month.
  4. Farmers: $437 per year, or about $36 per month.
  5. MetLife: $499 per year, or about $42 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. American National: $1,087 per year, or about $91 per month.
  2. State Farm: $1,298 per year, or about $108 per month.
  3. Farmers: $1,548 per year, or about $129 per month.
  4. Geico: $2,313 per year, or about $193 per month.
  5. MetLife: $3,694 per year, or about $308 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. American National: $1,224 per year, or about $102 per month.
  2. State Farm: $1,469 per year, or about $122 per month.
  3. Farmers: $2,480 per year, or about $207 per month.
  4. Allstate: $3,592 per year, or about $299 per month.
  5. Geico: $4,089 per year, or about $341 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. American National: $661 per year, or about $55 per month.
  2. State Farm: $1,032 per year, or about $86 per month.
  3. Farmers: $1,297 per year, or about $108 per month.
  4. Geico: $1,472 per year, or about $123 per month.
  5. MetLife: $2,316 per year, or about $193 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. American National: $145 per year, or about $12 per month.
  2. Geico: $149 per year, or about $12 per month.
  3. State Farm: $218 per year, or about $18 per month.
  4. MetLife: $374 per year, or about $31 per month.
  5. Farmers: $402 per year, or about $33 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. American National: $936 per year, or about $78 per month.
  2. Farmers: $1,557 per year, or about $130 per month.
  3. State Farm: $1,702 per year, or about $142 per month.
  4. Geico: $2,024 per year, or about $169 per month.
  5. Allstate: $4,621 per year, or about $385 per month.

Cheapest auto insurance in Wyoming for 40-year-old drivers with one speeding ticket

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

  1. American National: $239 per year, or about $20 per month.
  2. State Farm: $253 per year, or about $21 per month.
  3. Geico: $321 per year, or about $27 per month.
  4. Farmers: $422 per year, or about $35 per month.
  5. MetLife: $480 per year, or about $40 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. American National: $1,087 per year, or about $91 per month.
  2. State Farm: $1,298 per year, or about $108 per month.
  3. Farmers: $1,497 per year, or about $125 per month.
  4. Geico: $2,313 per year, or about $193 per month.
  5. MetLife: $3,541 per year, or about $295 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. American National: $1,225 per year, or about $102 per month.
  2. State Farm: $1,470 per year, or about $122 per month.
  3. Farmers: $2,430 per year, or about $203 per month.
  4. Allstate: $3,592 per year, or about $299 per month.
  5. Geico: $4,092 per year, or about $341 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. American National: $557 per year, or about $46 per month.
  2. State Farm: $952 per year, or about $79 per month.
  3. Farmers: $1,220 per year, or about $102 per month.
  4. Geico: $1,272 per year, or about $106 per month.
  5. MetLife: $2,122 per year, or about $177 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. American National: $125 per year, or about $10 per month.
  2. Geico: $132 per year, or about $11 per month.
  3. State Farm: $200 per year, or about $17 per month.
  4. MetLife: $342 per year, or about $29 per month.
  5. Farmers: $378 per year, or about $31 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. American National: $792 per year, or about $66 per month.
  2. Farmers: $1,464 per year, or about $122 per month.
  3. State Farm: $1,569 per year, or about $131 per month.
  4. Geico: $1,750 per year, or about $146 per month.
  5. Allstate: $4,039 per year, or about $337 per month.

Cheapest auto insurance in Wyoming for 50-year-old drivers with one speeding ticket

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

  1. American National: $203 per year, or about $17 per month.
  2. State Farm: $232 per year, or about $19 per month.
  3. Geico: $304 per year, or about $25 per month.
  4. Farmers: $398 per year, or about $33 per month.
  5. MetLife: $439 per year, or about $37 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. American National: $921 per year, or about $77 per month.
  2. State Farm: $1,198 per year, or about $100 per month.
  3. Farmers: $1,420 per year, or about $118 per month.
  4. Geico: $2,113 per year, or about $176 per month.
  5. MetLife: $3,234 per year, or about $269 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. American National: $1,039 per year, or about $87 per month.
  2. State Farm: $1,356 per year, or about $113 per month.
  3. Farmers: $2,354 per year, or about $196 per month.
  4. Allstate: $3,182 per year, or about $265 per month.
  5. Geico: $3,892 per year, or about $324 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. American National: $557 per year, or about $46 per month.
  2. State Farm: $892 per year, or about $74 per month.
  3. Farmers: $1,220 per year, or about $102 per month.
  4. Geico: $1,272 per year, or about $106 per month.
  5. MetLife: $1,888 per year, or about $157 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. American National: $125 per year, or about $10 per month.
  2. Geico: $132 per year, or about $11 per month.
  3. State Farm: $187 per year, or about $16 per month.
  4. MetLife: $323 per year, or about $27 per month.
  5. Farmers: $378 per year, or about $31 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. American National: $792 per year, or about $66 per month.
  2. Farmers: $1,464 per year, or about $122 per month.
  3. State Farm: $1,469 per year, or about $122 per month.
  4. Geico: $1,750 per year, or about $146 per month.
  5. Allstate: $4,003 per year, or about $334 per month.

Cheapest auto insurance in Wyoming for 60-year-old drivers with one speeding ticket

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

  1. American National: $203 per year, or about $17 per month.
  2. State Farm: $217 per year, or about $18 per month.
  3. Geico: $304 per year, or about $25 per month.
  4. Farmers: $398 per year, or about $33 per month.
  5. MetLife: $414 per year, or about $35 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. American National: $920 per year, or about $77 per month.
  2. State Farm: $1,122 per year, or about $94 per month.
  3. Farmers: $1,419 per year, or about $118 per month.
  4. Geico: $2,111 per year, or about $176 per month.
  5. MetLife: $2,896 per year, or about $241 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. American National: $1,039 per year, or about $87 per month.
  2. State Farm: $1,270 per year, or about $106 per month.
  3. Farmers: $2,354 per year, or about $196 per month.
  4. Allstate: $3,158 per year, or about $263 per month.
  5. Geico: $3,892 per year, or about $324 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Wyoming for 70-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. American National: $627 per year, or about $52 per month.
  2. State Farm: $932 per year, or about $78 per month.
  3. Farmers: $1,348 per year, or about $112 per month.
  4. Geico: $1,353 per year, or about $113 per month.
  5. MetLife: $2,139 per year, or about $178 per month.

Cheapest minimum coverage car insurance in Wyoming for 70-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: $140 per year, or about $12 per month.
  2. American National: $145 per year, or about $12 per month.
  3. State Farm: $196 per year, or about $16 per month.
  4. Farmers: $417 per year, or about $35 per month.
  5. MetLife: $425 per year, or about $35 per month.

Cheapest auto insurance in Wyoming for 70-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. American National: $891 per year, or about $74 per month.
  2. State Farm: $1,535 per year, or about $128 per month.
  3. Farmers: $1,618 per year, or about $135 per month.
  4. Geico: $1,861 per year, or about $155 per month.
  5. Allstate: $4,036 per year, or about $336 per month.

Cheapest auto insurance in Wyoming for 70-year-old drivers with one speeding ticket

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

  1. State Farm: $227 per year, or about $19 per month.
  2. American National: $239 per year, or about $20 per month.
  3. Geico: $312 per year, or about $26 per month.
  4. Farmers: $437 per year, or about $36 per month.
  5. MetLife: $464 per year, or about $39 per month.

Cheapest auto insurance in Wyoming for 70-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. American National: $1,051 per year, or about $88 per month.
  2. State Farm: $1,173 per year, or about $98 per month.
  3. Farmers: $1,547 per year, or about $129 per month.
  4. Geico: $2,192 per year, or about $183 per month.
  5. MetLife: $2,829 per year, or about $236 per month.

Cheapest auto insurance in Wyoming for 70-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. American National: $1,191 per year, or about $99 per month.
  2. State Farm: $1,327 per year, or about $111 per month.
  3. Farmers: $2,482 per year, or about $207 per month.
  4. Allstate: $3,196 per year, or about $266 per month.
  5. Geico: $3,973 per year, or about $331 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 57 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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 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 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old 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 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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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