Best Cheap Car Insurance in Wyoming for 2017

Auto Insurance, Insurance
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Finding the cheapest auto insurance in Wyoming means shopping around. Rates vary from one company to the next and depend on factors such as your age and accident history. NerdWallet looked at prices from the largest insurers in Wyoming to find the cheapest rates for these types of drivers:

Good drivers

Young drivers

Drivers with one at-fault accident

Drivers with poor credit

Retired drivers

Also in this article

Minimum insurance requirements for Wyoming

Alternative car insurance for high-risk drivers

» FIND YOUR MATCH: Who’s the cheapest carrier for you?

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.


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price

  • $879/year

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price

  • $888/year

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price

  • $1,328/year

Good drivers in Wyoming pay under $75 a month with the two cheapest insurers, State Farm and Safeco, in our analysis. Rates jump more than 50% after that, so even for good drivers it pays to look at multiple insurance rates before choosing a policy.

Cheapest for young drivers

For drivers younger than 25.


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price

  • $323/year

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price

  • $390/year

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price

  • $397/year

Drivers in their early 20s can generally choose lower levels of insurance because they have less to lose after an accident, which makes it easier to find cheap car insurance in Wyoming. The prices above for young drivers reflect policies with only the legal minimum amount of coverage. Safeco edges out the competition with the lowest rate of about $27 per month.

Drivers with one at-fault accident


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price

  • $1,023/year

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price

  • $1,688/year

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Price

  • $1,825/year

Causing a car accident typically leads to higher insurance rates at renewal time or if you shop around for a new company. But each insurer determines that cost differently, so it’s important to look for the best deal. Case in point: Wyoming drivers who go with Allstate after an accident can pay over $800 more per year than those who choose State Farm — a difference of about $67 per month.

Cheapest for drivers with poor credit

For drivers placed in the “poor credit” tier.


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price

  • $1,138/year

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price

  • $1,328/year

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price

  • $1,456/year

Drivers with poor credit are seen as riskier by insurance companies, and they can pay even more in premiums than those with a recent at-fault accident. The cheapest insurer for Wyoming drivers with poor credit, according to our analysis, is Safeco, which charged about $95 per month in our analysis.

Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting.


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price

  • $647/year

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price

  • $674/year

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price

  • $976/year

Retired people tend to drive less because they no longer have daily commutes, so we looked at quotes for drivers in their mid- to late 60s who drive half as many miles as other groups. State Farm and Safeco have low rates, both under $675 annually. But the next cheapest rate is $300 more per year. So even those who don’t log many miles may find cheaper car insurance in Wyoming by getting several quotes.

Minimum car insurance requirements 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

Wyoming is one of several states that comprise the Western Association of Automobile Insurance Plans. High-risk drivers who aren’t able to buy car insurance on the regular market could qualify for coverage through this 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.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in Wyoming

CategoryCheapest option
Good driversState Farm
Young driversSafeco
Drivers with one at-fault accidentState Farm
Drivers with poor creditSafeco
Retired driversState Farm
For most categories, NerdWallet averaged rates for 30-year-old men and women in 10 ZIP codes and with the following coverage limits:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per crash
  • $50,000 property damage liability coverage per crash
  • $100,000 uninsured motorist bodily injury coverage per person
  • $300,000 uninsured motorist bodily injury coverage per crash
  • Collision coverage with $1,000 deductible
  • Comprehensive coverage with $1,000 deductible
     
    We used a 2013 Toyota Camry in all cases. Our sample retired driver was age 67 and drove 50% fewer annual miles than motorists in other groups. Our sample young driver was age 22 and carried the minimum required coverage levels. These are sample rates generated through Quadrant Information Services. Your own rates will be different.
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