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Best Cheap Car Insurance in Wyoming for 2019

March 20, 2019
Auto Insurance, Insurance
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

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.

To help you get started, NerdWallet looked at prices from the largest insurers in Wyoming to find the cheapest rates for several types of drivers.

Cheapest for good drivers

Safeco was the cheapest carrier we saw in Wyoming for good drivers with good credit, at roughly $71 per month, on average. State Farm and Geico came in second and third, respectively.

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For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including state-required coverage.

Cheapest for drivers with poor credit

For Wyoming drivers with blemished credit, Safeco had the cheapest auto insurance we found, at $91 per month, on average. Geico and State Farm round out the cheapest three.

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Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard "full coverage" insurance.

Cheapest for drivers with one at-fault crash

State Farm was the cheapest insurer in our analysis for Wyoming drivers with a recent accident on their records, at $96 per month, on average. Safeco and Geico also make the cut.

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To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest for low-mileage drivers

State Farm had the best rates in our test for Wyoming residents who drive few annual miles, at $69 per month, on average. Safeco came in just two bucks a month higher, on average, and Geico was third-cheapest.

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Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.

Cheapest for minimum coverage

Geico had the best rates we found for minimum coverage car insurance in Wyoming, at just $14 per month, on average. Safeco and State Farm complete the list.

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We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more.

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.

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

Cheapest car insurance in Wyoming

CategoryCheapest option
Good driversSafeco
Drivers with poor creditSafeco
Drivers with one at-fault accidentState Farm
Low-mileage driversState Farm
Minimum coverageGeico
For our base-profile driver with good credit and a clean driving history, NerdWallet averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:

  • $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 the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.