Cheap Car Insurance in Wyoming for June 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 $972 per year, or about $81 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Wyoming. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in Wyoming is $185 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.

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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 2021 Toyota Camry LE. 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: $2,843 per year, or about $237 per month.
  3. Geico: $3,260 per year, or about $272 per month.
  4. Farmers: $3,271 per year, or about $273 per month.
  5. Allstate: $6,900 per year, or about $575 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: $607 per year, or about $51 per month.
  4. Farmers: $746 per year, or about $62 per month.
  5. Allstate: $959 per year, or about $80 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: $1,015 per year, or about $85 per month.
  4. Allstate: $1,194 per year, or about $99 per month.
  5. Farmers: $1,307 per year, or about $109 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: $703 per year, or about $59 per month.
  4. Farmers: $903 per year, or about $75 per month.
  5. Allstate: $1,026 per year, or about $86 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: $792 per year, or about $66 per month.
  4. Farmers: $1,122 per year, or about $94 per month.
  5. Allstate: $1,276 per year, or about $106 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: $896 per year, or about $75 per month.
  4. Allstate: $1,121 per year, or about $93 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: $966 per year, or about $80 per month.
  3. Farmers: $1,537 per year, or about $128 per month.
  4. Geico: $1,603 per year, or about $134 per month.
  5. Allstate: $3,059 per year, or about $255 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: $187 per year, or about $16 per month.
  4. Farmers: $335 per year, or about $28 per month.
  5. Allstate: $499 per year, or about $42 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: $1,592 per year, or about $133 per month.
  3. Geico: $2,204 per year, or about $184 per month.
  4. Farmers: $2,956 per year, or about $246 per month.
  5. Allstate: $4,270 per year, or about $356 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: $217 per year, or about $18 per month.
  3. Geico: $315 per year, or about $26 per month.
  4. Farmers: $393 per year, or about $33 per month.
  5. Allstate: $553 per year, or about $46 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: $1,211 per year, or about $101 per month.
  2. American National: $1,314 per year, or about $110 per month.
  3. Farmers: $2,171 per year, or about $181 per month.
  4. Geico: $2,580 per year, or about $215 per month.
  5. Allstate: $4,151 per year, or about $346 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: $1,365 per year, or about $114 per month.
  2. American National: $1,480 per year, or about $123 per month.
  3. Farmers: $3,431 per year, or about $286 per month.
  4. Allstate: $3,497 per year, or about $291 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: $966 per year, or about $80 per month.
  3. Farmers: $1,465 per year, or about $122 per month.
  4. Geico: $1,603 per year, or about $134 per month.
  5. Allstate: $3,112 per year, or about $259 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: $187 per year, or about $16 per month.
  4. Farmers: $321 per year, or about $27 per month.
  5. Allstate: $496 per year, or about $41 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: $1,592 per year, or about $133 per month.
  3. Geico: $2,204 per year, or about $184 per month.
  4. Farmers: $2,800 per year, or about $233 per month.
  5. Allstate: $4,270 per year, or about $356 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: $217 per year, or about $18 per month.
  3. Geico: $315 per year, or about $26 per month.
  4. Farmers: $379 per year, or about $32 per month.
  5. Allstate: $548 per year, or about $46 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: $1,211 per year, or about $101 per month.
  2. American National: $1,314 per year, or about $110 per month.
  3. Farmers: $2,066 per year, or about $172 per month.
  4. Geico: $2,580 per year, or about $215 per month.
  5. Allstate: $4,151 per year, or about $346 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: $1,365 per year, or about $114 per month.
  2. American National: $1,480 per year, or about $123 per month.
  3. Farmers: $3,269 per year, or about $272 per month.
  4. Allstate: $3,497 per year, or about $291 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: $891 per year, or about $74 per month.
  3. Farmers: $1,363 per year, or about $114 per month.
  4. Geico: $1,495 per year, or about $125 per month.
  5. Allstate: $2,647 per year, or about $221 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: $172 per year, or about $14 per month.
  4. Farmers: $300 per year, or about $25 per month.
  5. Allstate: $478 per year, or about $40 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: $1,467 per year, or about $122 per month.
  3. Geico: $2,056 per year, or about $171 per month.
  4. Farmers: $2,606 per year, or about $217 per month.
  5. Allstate: $3,736 per year, or about $311 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: $200 per year, or about $17 per month.
  3. Geico: $296 per year, or about $25 per month.
  4. Farmers: $354 per year, or about $29 per month.
  5. Allstate: $532 per year, or about $44 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: $1,118 per year, or about $93 per month.
  3. Farmers: $1,925 per year, or about $160 per month.
  4. Geico: $2,484 per year, or about $207 per month.
  5. Allstate: $3,635 per year, or about $303 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: $1,259 per year, or about $105 per month.
  3. Farmers: $3,078 per year, or about $256 per month.
  4. Allstate: $3,085 per year, or about $257 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: $836 per year, or about $70 per month.
  3. Farmers: $1,266 per year, or about $106 per month.
  4. Geico: $1,495 per year, or about $125 per month.
  5. Allstate: $2,680 per year, or about $223 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: $161 per year, or about $13 per month.
  4. Farmers: $290 per year, or about $24 per month.
  5. Allstate: $487 per year, or about $41 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: $1,374 per year, or about $114 per month.
  3. Geico: $2,056 per year, or about $171 per month.
  4. Farmers: $2,374 per year, or about $198 per month.
  5. Allstate: $3,686 per year, or about $307 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: $187 per year, or about $16 per month.
  3. Geico: $296 per year, or about $25 per month.
  4. Farmers: $341 per year, or about $28 per month.
  5. Allstate: $535 per year, or about $45 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: $1,048 per year, or about $87 per month.
  2. American National: $1,114 per year, or about $93 per month.
  3. Farmers: $1,782 per year, or about $148 per month.
  4. Geico: $2,484 per year, or about $207 per month.
  5. Allstate: $3,605 per year, or about $300 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: $1,180 per year, or about $98 per month.
  2. American National: $1,254 per year, or about $105 per month.
  3. Farmers: $2,864 per year, or about $239 per month.
  4. Allstate: $3,058 per year, or about $255 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: $873 per year, or about $73 per month.
  3. Farmers: $1,429 per year, or about $119 per month.
  4. Geico: $1,590 per year, or about $133 per month.
  5. Allstate: $2,722 per year, or about $227 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: $168 per year, or about $14 per month.
  4. Farmers: $358 per year, or about $30 per month.
  5. Allstate: $511 per year, or about $43 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: $1,436 per year, or about $120 per month.
  3. Geico: $2,187 per year, or about $182 per month.
  4. Farmers: $2,696 per year, or about $225 per month.
  5. Allstate: $3,722 per year, or about $310 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: $195 per year, or about $16 per month.
  2. American National: $216 per year, or about $18 per month.
  3. Geico: $304 per year, or about $25 per month.
  4. Farmers: $385 per year, or about $32 per month.
  5. Allstate: $560 per year, or about $47 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: $1,095 per year, or about $91 per month.
  2. American National: $1,266 per year, or about $106 per month.
  3. Farmers: $1,809 per year, or about $151 per month.
  4. Geico: $2,580 per year, or about $215 per month.
  5. Allstate: $3,625 per year, or about $302 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: $1,233 per year, or about $103 per month.
  2. American National: $1,432 per year, or about $119 per month.
  3. Farmers: $2,875 per year, or about $240 per month.
  4. Allstate: $3,083 per year, or about $257 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.

» 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.

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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 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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