Cheap Car Insurance in Wyoming for March 2024

American National offers the cheapest car insurance in Wyoming, with an average annual rate of $808 for full coverage.
Ben Moore
By Ben Moore 
Updated

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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 $808 per year on average, or $67 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 $1,069 per year, or about $89 per month.

Minimum coverage in Wyoming is $191 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 $132 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 6 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: $1,708 per year, or about $142 per month.
  2. State Farm: $3,154 per year, or about $263 per month.
  3. Geico: $3,260 per year, or about $272 per month.
  4. Farmers: $4,223 per year, or about $352 per month.
  5. Allstate: $7,646 per year, or about $637 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: $328 per year, or about $27 per month.
  2. American National: $340 per year, or about $28 per month.
  3. State Farm: $673 per year, or about $56 per month.
  4. Farmers: $886 per year, or about $74 per month.
  5. Allstate: $1,060 per year, or about $88 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: $451 per year, or about $38 per month.
  2. American National: $522 per year, or about $44 per month.
  3. State Farm: $1,128 per year, or about $94 per month.
  4. Allstate: $1,363 per year, or about $114 per month.
  5. Farmers: $1,557 per year, or about $130 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: $476 per year, or about $40 per month.
  2. American National: $620 per year, or about $52 per month.
  3. State Farm: $780 per year, or about $65 per month.
  4. Farmers: $1,057 per year, or about $88 per month.
  5. Allstate: $1,136 per year, or about $95 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: $394 per year, or about $33 per month.
  2. American National: $744 per year, or about $62 per month.
  3. State Farm: $880 per year, or about $73 per month.
  4. Farmers: $1,294 per year, or about $108 per month.
  5. Allstate: $1,418 per year, or about $118 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: $574 per year, or about $48 per month.
  2. American National: $860 per year, or about $72 per month.
  3. State Farm: $1,036 per year, or about $86 per month.
  4. Allstate: $1,242 per year, or about $103 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: $808 per year, or about $67 per month.
  2. State Farm: $1,069 per year, or about $89 per month.
  3. Geico: $1,603 per year, or about $134 per month.
  4. Farmers: $1,940 per year, or about $162 per month.
  5. Allstate: $3,449 per year, or about $287 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: $132 per year, or about $11 per month.
  2. Geico: $151 per year, or about $13 per month.
  3. State Farm: $208 per year, or about $17 per month.
  4. Farmers: $397 per year, or about $33 per month.
  5. Allstate: $541 per year, or about $45 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: $1,146 per year, or about $96 per month.
  2. State Farm: $1,765 per year, or about $147 per month.
  3. Geico: $2,204 per year, or about $184 per month.
  4. Farmers: $3,837 per year, or about $320 per month.
  5. Allstate: $4,965 per year, or about $414 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: $216 per year, or about $18 per month.
  2. State Farm: $241 per year, or about $20 per month.
  3. Geico: $315 per year, or about $26 per month.
  4. Farmers: $463 per year, or about $39 per month.
  5. Allstate: $598 per year, or about $50 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: $1,314 per year, or about $110 per month.
  2. State Farm: $1,341 per year, or about $112 per month.
  3. Geico: $2,580 per year, or about $215 per month.
  4. Farmers: $2,725 per year, or about $227 per month.
  5. Allstate: $4,577 per year, or about $381 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: $1,480 per year, or about $123 per month.
  2. State Farm: $1,512 per year, or about $126 per month.
  3. Allstate: $3,854 per year, or about $321 per month.
  4. Farmers: $4,186 per year, or about $349 per month.
  5. Geico: $4,672 per year, or about $389 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: $808 per year, or about $67 per month.
  2. State Farm: $1,069 per year, or about $89 per month.
  3. Geico: $1,603 per year, or about $134 per month.
  4. Farmers: $1,887 per year, or about $157 per month.
  5. Allstate: $3,449 per year, or about $287 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: $132 per year, or about $11 per month.
  2. Geico: $151 per year, or about $13 per month.
  3. State Farm: $208 per year, or about $17 per month.
  4. Farmers: $382 per year, or about $32 per month.
  5. Allstate: $541 per year, or about $45 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: $1,146 per year, or about $96 per month.
  2. State Farm: $1,765 per year, or about $147 per month.
  3. Geico: $2,204 per year, or about $184 per month.
  4. Farmers: $3,718 per year, or about $310 per month.
  5. Allstate: $4,965 per year, or about $414 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: $216 per year, or about $18 per month.
  2. State Farm: $241 per year, or about $20 per month.
  3. Geico: $315 per year, or about $26 per month.
  4. Farmers: $445 per year, or about $37 per month.
  5. Allstate: $598 per year, or about $50 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: $1,314 per year, or about $110 per month.
  2. State Farm: $1,341 per year, or about $112 per month.
  3. Geico: $2,580 per year, or about $215 per month.
  4. Farmers: $2,644 per year, or about $220 per month.
  5. Allstate: $4,577 per year, or about $381 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: $1,480 per year, or about $123 per month.
  2. State Farm: $1,512 per year, or about $126 per month.
  3. Allstate: $3,854 per year, or about $321 per month.
  4. Farmers: $4,077 per year, or about $340 per month.
  5. Geico: $4,672 per year, or about $389 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: $680 per year, or about $57 per month.
  2. State Farm: $987 per year, or about $82 per month.
  3. Geico: $1,495 per year, or about $125 per month.
  4. Farmers: $1,755 per year, or about $146 per month.
  5. Allstate: $2,997 per year, or about $250 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: $114 per year, or about $10 per month.
  2. Geico: $128 per year, or about $11 per month.
  3. State Farm: $191 per year, or about $16 per month.
  4. Farmers: $357 per year, or about $30 per month.
  5. Allstate: $519 per year, or about $43 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: $964 per year, or about $80 per month.
  2. State Farm: $1,626 per year, or about $136 per month.
  3. Geico: $2,056 per year, or about $171 per month.
  4. Farmers: $3,458 per year, or about $288 per month.
  5. Allstate: $4,344 per year, or about $362 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: $184 per year, or about $15 per month.
  2. State Farm: $222 per year, or about $18 per month.
  3. Geico: $296 per year, or about $25 per month.
  4. Farmers: $415 per year, or about $35 per month.
  5. Allstate: $574 per year, or about $48 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: $1,114 per year, or about $93 per month.
  2. State Farm: $1,237 per year, or about $103 per month.
  3. Farmers: $2,460 per year, or about $205 per month.
  4. Geico: $2,484 per year, or about $207 per month.
  5. Allstate: $4,012 per year, or about $334 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: $1,254 per year, or about $105 per month.
  2. State Farm: $1,394 per year, or about $116 per month.
  3. Allstate: $3,406 per year, or about $284 per month.
  4. Farmers: $3,827 per year, or about $319 per month.
  5. Geico: $4,577 per year, or about $381 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: $680 per year, or about $57 per month.
  2. State Farm: $925 per year, or about $77 per month.
  3. Geico: $1,495 per year, or about $125 per month.
  4. Farmers: $1,624 per year, or about $135 per month.
  5. Allstate: $2,981 per year, or about $248 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: $114 per year, or about $10 per month.
  2. Geico: $128 per year, or about $11 per month.
  3. State Farm: $179 per year, or about $15 per month.
  4. Farmers: $346 per year, or about $29 per month.
  5. Allstate: $527 per year, or about $44 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: $964 per year, or about $80 per month.
  2. State Farm: $1,523 per year, or about $127 per month.
  3. Geico: $2,056 per year, or about $171 per month.
  4. Farmers: $3,147 per year, or about $262 per month.
  5. Allstate: $4,313 per year, or about $359 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: $184 per year, or about $15 per month.
  2. State Farm: $207 per year, or about $17 per month.
  3. Geico: $296 per year, or about $25 per month.
  4. Farmers: $402 per year, or about $33 per month.
  5. Allstate: $584 per year, or about $49 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: $1,114 per year, or about $93 per month.
  2. State Farm: $1,159 per year, or about $97 per month.
  3. Farmers: $2,276 per year, or about $190 per month.
  4. Geico: $2,484 per year, or about $207 per month.
  5. Allstate: $3,985 per year, or about $332 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: $1,254 per year, or about $105 per month.
  2. State Farm: $1,306 per year, or about $109 per month.
  3. Allstate: $3,376 per year, or about $281 per month.
  4. Farmers: $3,546 per year, or about $296 per month.
  5. Geico: $4,577 per year, or about $381 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: $760 per year, or about $63 per month.
  2. State Farm: $966 per year, or about $81 per month.
  3. Geico: $1,590 per year, or about $133 per month.
  4. Farmers: $1,841 per year, or about $153 per month.
  5. Allstate: $2,997 per year, or about $250 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. American National: $132 per year, or about $11 per month.
  2. Geico: $136 per year, or about $11 per month.
  3. State Farm: $187 per year, or about $16 per month.
  4. Farmers: $423 per year, or about $35 per month.
  5. Allstate: $553 per year, or about $46 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: $1,082 per year, or about $90 per month.
  2. State Farm: $1,592 per year, or about $133 per month.
  3. Geico: $2,187 per year, or about $182 per month.
  4. Farmers: $3,574 per year, or about $298 per month.
  5. Allstate: $4,336 per year, or about $361 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. American National: $216 per year, or about $18 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: $453 per year, or about $38 per month.
  5. Allstate: $612 per year, or about $51 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. State Farm: $1,211 per year, or about $101 per month.
  2. American National: $1,266 per year, or about $106 per month.
  3. Farmers: $2,331 per year, or about $194 per month.
  4. Geico: $2,580 per year, or about $215 per month.
  5. Allstate: $3,991 per year, or about $333 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. State Farm: $1,365 per year, or about $114 per month.
  2. American National: $1,432 per year, or about $119 per month.
  3. Allstate: $3,407 per year, or about $284 per month.
  4. Farmers: $3,559 per year, or about $297 per month.
  5. Geico: $4,672 per year, or about $389 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.

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 2021 Toyota Camry LE 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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