Best Car Insurance in Wyoming for 2025 [Compare the Top 10 Companies]

The best car insurance in Wyoming is State Farm, Geico, and Allstate, with starting monthly rates of $19. Wyoming drivers prefer State Farm for its coverage and a 15% discount for good students. Top providers like Geico have an A++ rating in A.M Best, while Allstate offers a 25% discount for bundling policies.

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Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

Michael Leotta

Insurance Operations Specialist

Michael earned a degree in Business Management with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Automatio...

Insurance Operations Specialist

UPDATED: Feb 14, 2025

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Top Pick in Wyoming: State Farm
4.3

Company Facts

Full Coverage in Wyoming

$82/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

  • Affordable car insurance rates
  • Local State Farm agents
  • Multiple car insurance discounts
  • Low financial stability rating
  • Doesn’t sell modified car insurance
Best Rates in Wyoming: Geico
4.5

Company Facts

Full Coverage in Wyoming

$112/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • 24/7 customer support with an easy-to-use mobile app
  • Discounts for bundling and multiple vehicles
  • Accident forgiveness program available for eligible drivers
  • Highly rated for claims satisfaction by many customers
  • Higher rates for drivers with a history of accidents
  • Limited local agent availability compared to other insurers
  • Rate increases reported after the initial policy term
Best Options in Wyoming: Allstate
3.8

Company Facts

Full Coverage in Wyoming

$155/mo

A.M. Best Rating

A+

Complaint Level

High

Pros & Cons

  • Multiple add-on coverages
  • Strong financial stability
  • Widespread availability
  • High number of customer complaints
  • Expensive car insurance rates

State Farm, Geico, and Allstate are the best car insurance in Wyoming, with monthly premiums starting at just $19 from State Farm for comprehensive coverage.

State Farm, Geico, and Allstate: Best Car Insurance in WyomingExplore our car insurance guide to discover how top providers like State Farm offer comprehensive coverage, like discounts for good students. Geico has excellent customer support at $27 monthly rates, while Allstate offers customizable features and a 25% bundling discount.

Our Top 10 Company Picks: Best Car Insurance in Wyoming

CompanyRankBundling DiscountA.M. BestBest ForJump to Pros/Cons
State Farm: Best Car Insurance in Wyoming#117%BOverall CoverageState Farm
Geico: Best Car Insurance in Wyoming#225%A++Low RatesGeico
Allstate: Best Car Insurance in Wyoming#325%A+Add-On OptionsAllstate
Progressive: Best Car Insurance in Wyoming #410%A+Flexible PlansProgressive
Farmers: Best Car Insurance in Wyoming#520%ACustomer ServiceFarmers
American Family: Best Car Insurance in Wyoming #625%AYoung DriversAmerican Family
USAA:  Best Car Insurance in Wyoming#710%A++Military FamiliesUSAA
Nationwide: Best Car Insurance in Wyoming #820%A+Deductible ReductionNationwide
Liberty Mutual: Best Car Insurance in Wyoming#925%ACustom CoverageLiberty Mutual
Travelers: Best Car Insurance in Wyoming  #1013%A++Green VehiclesTravelers

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By exploring these options, Wyoming drivers can find the best coverage at competitive rates. Enter your ZIP code to receive a tailored policy.

Can't-Miss Facts

  • Wyoming’s best car insurance are State Farm, Geico, and Allstate
  • USAA is known for its cheapest rate, starting at $13/month
  • Nationwide offers a 40% discount for safe drivers in Wyoming



Table of Contents

#1 State Farm: Top Overall Choice

State Farm: Best Car Insurance in Wyoming

Pros

  • Comprehensive Coverage: Drivers in Wyoming can benefit from coverage options like liability, collision, and comprehensive plans.
  • Good Student Discount: According to our State Farm car insurance review, students with good grades can enjoy a 25% discount on their premiums.
  • Strong Customer Service: Drivers can save more time with the help of their vast network of local representatives through personalized customer support.

Cons

  • Higher Rates: Drivers in Wyoming with a poor safety record may not qualify for discounts and will pay higher base rates.
  • Limited Online Tools: The State Farm app lacks advanced policy management tools, which may be inconvenient to digital users.

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#2 Geico: Best for Low Rates

Geico: Best Car Insurance in Wyoming

Pros

  • A++ Financial Rating: With an A++ rating from A.M. Best, Geico is considered financially strong and reliable to drivers based on our Geico car insurance review.
  • Easy Online Experience: Drivers can use Geico’s user-friendly digital tools for managing their policies, filing claims, and comparing quotes.
  • Multiple Discounts Available: Drivers in Wyoming can save with discounts for safe driving, military personnel, and by bundling policies for a 25% discount.

Cons

  • Few Local Agents: Due to a limited number of local representatives, Geico depends more on online and phone support than in-person agents.
  • Limited Add-On Options: Geico offers fewer optional coverages to drivers, such as gap insurance and custom parts coverage.

#3 Allstate: Best for Add-On Options

Allstate: Best Car Insurance in Wyoming

Pros

  • Substantial Bundling Discounts: Drivers in Wyoming can save up to 25% with Allstate by bundling their auto and home insurance.
  • User-Friendly Mobile App: With the upgraded Progressive app, drivers can easily manage policies, file claims, and access Drivewise for rewards from safe driving.
  • Local Agent Network: Customers can enjoy a hassle-free experience thanks to their local agents offering personalized service and support.

Cons

  • Higher Base Rates: Allstate car insurance review revealed that Allstate’s rates tend to be higher than those of other top providers, with monthly rates at $36.
  • Strict Policy Terms: Some discounts and coverage choices need specific eligibility requirements, which restrict access for local drivers in Wyoming.

#4 Progressive: Best for Flexible Plans

Progressive: Best Car Insurance in Wyoming

Pros

  • Unique Featured Tool: Drivers can use the Name Your Price Tool to customize coverage based on their budget to find cheaper options.
  • Online and Mobile Tools: Drivers can access the upgraded app and website for fast transactions like claims filing and comparison tools.
  • Wide Coverage Availability: Progressive offers discounts and insurance options across all 50 states, with unique choices like rideshare and pet injury coverage.

Cons

  • Snapshot Program: Our Progressive car insurance guide shows that Snapshot rewards safe drivers, whereas those exhibiting aggressive driving habits may face rate increases.
  • Few Physical Branches: Since Progressive primarily operates online, customers may need to learn how to use online tools and mobile apps.

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#5 Farmers: Best for Customer Service

Farmers: Best Car Insurance in Wyoming

Pros

  • Highly Customizable Policies: Based on our Farmers car insurance review, it offers add-ons like accident forgiveness, new car replacement, and rideshare coverage.
  • Strong Customer Service: Customers are pleased with Farmers’ local agents for their personalized service and detailed policy guidance.
  • Accident Forgiveness Program: The new featured program from Farmers guarantees that a driver’s first at-fault accident will not result in a premium increase.

Cons

  • Higher Average Premiums: Top providers like Farmers typically offer higher base premiums, with monthly rates starting at $30.
  • Limited Availability: Coverage options and farmers’ discounts vary by state, which means not all drivers can benefit from them consistently across the country.

#6 American Family: Best for Young Drivers

American Family: Best Car Insurance in Wyoming

Pros

  • Reliable Agents: Based on our American Family car insurance review, customers recognized them for responsive customer service and personalized agent interactions.
  • Additional Protection: The American Family has added other driver coverage choices, like accident forgiveness and gap insurance.
  • Great for Young Drivers: Young or teen drivers in Wyoming can benefit from policies and a 25% bundling discount, helping families save on premiums.

Cons

  • High Costs: American Family’s monthly rate of $26 is higher than that of other leading providers.
  • Need Upgrades: The online experience and mobile app features for drivers by American Family are not as advanced as reported by customers in Wyoming.

#7 USAA: Best for Military Families

USAA: Best Car Insurance in Wyoming

Pros

  • Highly Competitive Rates: USAA offers the lowest premiums in the industry, with monthly rates starting at $13, particularly benefiting military families and veterans.
  • Superior Financial Strength: Customers trust USAA because of its A++ rating from A.M. Best, demonstrating strong financial stability and reliable claims.
  • Extensive Military Benefits: USAA offers unique perks for active-duty members, like deployment discounts and flexible payment options. Check more deals in our USAA car insurance review.

Cons

  • Membership Restrictions: USAA’s offers are exclusively accessible to military personnel, veterans, and their families, restricting eligibility for the general population.
  • Limited Physical Locations: Unlike some competitors, USAA has fewer in-person branch locations for those who prefer face-to-face service.

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#8 Nationwide: Best for Deductible Reductions

Nationwide: Best Car Insurance in Wyoming

Pros

  • Customer Review: Customers can count on the personalized support of Nationwide’s local agents to ensure faster transactions.
  • Broad Coverage Options: Nationwide offers customizable insurance policies for drivers, including options like accident forgiveness and total loss replacement.
  • Great Discounts: Customers can save up to 40% with Nationwide through UBI plus if they are good drivers. Be sure to check our Nationwide car insurance review for more discounts.

Cons

  • Not For All: Nationwide’s premiums begin at a monthly rate of $28, which some drivers may consider expensive.
  • Inaccessible to Some Drivers: Some discounts and Nationwide programs cannot be offered in all states.

#9 Liberty Mutual: Best for Custom Coverage

Liberty Mutual: Best Car Insurance in Wyoming

Pros

  • Affordable Rates: Liberty Mutual offers some of the lowest rates in Wyoming, with a monthly premium of $17. To check more of these, just go to our Liberty Mutual car insurance review.
  • Good Telematics Program: Liberty Mutual’s RightTrack program rewards safe driving habits with potential premium discounts.
  • Many Discount Options: Customers now have several ways to save money, like a 25% bundling discount, safe driver discounts, and multi-vehicle discounts.

Cons

  • Inconsistent Performance: Liberty Mutual has received customer reports regarding slow claim processing times and billing disputes.
  • Limited Local Representatives: Liberty Mutual depends more on transactions made by customers online and over the phone rather than through in-person agents.

#10 Travelers: Best for Green Vehicles

Travelers: Best Car Insurance in Wyoming

Pros

  • Strong Financial Stability: Customers trust top providers like Travelers due to their A++ rating from A.M. Best, which guarantees reliable claim payouts.
  • Vast Coverage Choices: Our review of Travelers car insurance highlighted its unique perks, such as gap insurance, accident forgiveness, and rideshare coverage.
  • Focus on Green Vehicles: Customers can take advantage of incentives for hybrid and electric cars, making them an eco-friendly choice.

Cons

  • Costly Rates: Travelers’ monthly rate of $23 is generally more expensive than other top providers in Wyoming. You can check Travelers car insurance review to explore cheaper rates.
  • Mixed Reviews: Some customers have reported slow claims processing and inconsistent support experiences, along with necessary upgrades.

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Check the Cheapest Companies in Wyoming

So here’s where we get into what many people find most important when it comes to shopping for car insurance: a cheap policy.

Wyoming Car Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Best Car Insurance in Wyoming$36$155
American Family: Best Car Insurance in Wyoming $26$111
Farmers: Best Car Insurance in Wyoming$30$130
Geico: Best Car Insurance in Wyoming$27$112
Liberty Mutual: Best Car Insurance in Wyoming$17$75
Nationwide: Best Car Insurance in Wyoming $28$114
Progressive: Best Car Insurance in Wyoming $25$106
State Farm: Best Car Insurance in Wyoming$19$82
Travelers: Best Car Insurance in Wyoming  $23$98
USAA:  Best Car Insurance in Wyoming$13$57

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Of course, figuring out to find those cheap rates can seem daunting. That’s what we’re here for; we’ll help keep your wallet happy and make sure you find the best rates possible in Wyoming.

Car Insurance Discounts From the Top Providers in Wyoming

Insurance CompanyAvailable Discounts
Allstate: Best Car Insurance in WyomingSafe Driver, Multi-Policy, Anti-Theft, Early Signing, Homeowner, Vehicle Safety Features, Student Away at School, New Car, Loyalty, Claim-Free, Rideshare, Bundling
American Family: Best Car Insurance in Wyoming Safe Driver, Good Student, Multi-Policy, Bundling, Low Mileage, Vehicle Safety Features, Claim-Free, Early Signing, Homeowner, New Car, Rideshare
Farmers: Best Car Insurance in WyomingGood Driver, Multi-Policy, Pay-in-Full, Homeowner, Student, Low Mileage, Vehicle Safety Features, Claim-Free, Early Signing, Rideshare, Business Use
Geico: Best Car Insurance in WyomingGood Driver, Multi-Vehicle, Military, Student, Claim-Free, Emergency Deployment, Federal Employee, Low Mileage, Rideshare, Bundling, Homeowner
Liberty Mutual: Best Car Insurance in WyomingMulti-Policy, Pay-in-Full, Good Driver, Early Signing, Homeowner, New Vehicle, Vehicle Safety Features, Claim-Free, Low Mileage, Rideshare, Student
Nationwide: Best Car Insurance in Wyoming Safe Driver, Multi-Policy, Vanishing Deductible, Good Student, Low Mileage, Homeowner, Claim-Free, Rideshare, Early Signing, Business Use
Progressive: Best Car Insurance in Wyoming Snapshot, Multi-Policy, Continuous Insurance, Homeowner, Good Student, Pay-in-Full, Bundling, Low Mileage, Claim-Free, Rideshare, New Vehicle
State Farm: Best Car Insurance in WyomingMulti-Policy, Safe Driver, Anti-Theft, Homeowner, Good Student, Vehicle Safety Features, Claim-Free, Early Signing, Low Mileage, Rideshare
Travelers: Best Car Insurance in Wyoming  Multi-Policy, Safe Driver, Green Vehicle, Homeowner, Claim-Free, Student Away at School, New Vehicle, Rideshare, Business Use, Low Mileage
USAA:  Best Car Insurance in WyomingSafe Driver, Multi-Vehicle, Loyalty, Annual Payment, Good Student, Vehicle Storage, Claim-Free, Rideshare, Military Installation, Low Mileage

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If you’re looking for the cheapest options, USAA and Liberty Mutual are two good bets.

Find the Best Car Insurance Companies in Wyoming

To guarantee you’re safely (and legally) driving in this breathtaking state, you’ll need a good car insurance policy.

Every driver is unique, and the things that make one company perfect for one person might be very different for another driver.

State Farm Screenshot; Best Car Insurance in WyomingIn this section, we’ll go over some important factors for everyone, and compare the top insurance providers to help you make an informed decision.

It might seem intimidating with so many factors to consider and every company claiming to be the best. But we’re here to help.

Read more: Car Insurance Rates by State

Largest Companies’ Financial Rating in Wyoming

First and foremost, you want to choose a company that’s able to pay for any claims in the event of an accident. The best way to figure out if your company is financially stable is to check out its financial ratings.

Bundling Car Insurance Discount Definition Card: Best Car Insurance in WyomingA.M. Best is one of the most trusted names in the insurance industry. Each year they release “grades” for the largest providers’ financial ratings.

Wyoming drivers should compare multiple insurance quotes and check discounts like bundling and safe driver incentives to secure the best coverage at the lowest rates.

Kristine Lee Licensed Insurance Agent

Good news for Wyomingites, of the 10 largest companies in your state, all are stable and have very high grades.

Wyoming Report Card: Car Insurance Premiums

CategoryGradeExplanation
Rural vs. Urban Premium GapAStable rates across areas.
Minimum Coverage Premiums A-Among the lowest in the U.S.
Senior Driver Premiums B+Reasonable compared to average.
Uninsured Motorist ImpactBLow uninsured rate keeps costs down.
High-Risk Driver Premiums C+Higher due to rural road risks.
Teen Driver PremiumsCCostly but lower than urban states.

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The biggest names often have the strongest financial stability, something worth considering before you sign on to an unknown provider.

Read more: different types of car insurance coverage

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Minimum Coverage for Local Drivers in Wyoming

In most states, drivers have to meet minimum liability insurance requirements to drive on the roads legally. If you’ve been in an accident, chances are you’re glad you or the other car had insurance to save you from paying for damages out of pockets.

Wyoming Accidents & Claims per Year by City

CityAccidents per YearClaims per Year
Casper1,200950
Cheyenne1,5001,200
Cody450350
Evanston300250
Gillette1,000800
Green River350280
Jackson500400
Laramie700550
Rawlins250200
Rock Springs800650
Sheridan600500

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In Wyoming, all registered vehicles are required to meet minimum limits before hitting the roadways.

5 Common Car Insurance Claims in Wyoming

Claim TypePortion of ClaimsCost per Claim
Collision35%$4,200
Comprehensive25%$2,800
Liability (Bodily Injury)18%$18,500
Liability (Property Damage)12%$3,500
Uninsured Motorist10%$7,200

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Remember, these are minimum limits and are intended to protect the other driver if you are found at fault (they will not cover your damages or passenger injuries).

Car Insurance Discounts From Top Wyoming Providers

Insurance CompanyAnti-TheftBundlingGood DriverGood StudentUBI
Allstate: Best Car Insurance in Wyoming10%25%25%20%30%
American Family: Best Car Insurance in Wyoming 25%25%25%20%30%
Farmers: Best Car Insurance in Wyoming10%20%30%15%30%
Geico: Best Car Insurance in Wyoming25%25%26%15%25%
Liberty Mutual: Best Car Insurance in Wyoming35%25%20%15%30%
Nationwide: Best Car Insurance in Wyoming 5%20%40%15%40%
Progressive: Best Car Insurance in Wyoming 25%10%30%10%$231/yr
State Farm: Best Car Insurance in Wyoming15%17%25%25%30%
Travelers: Best Car Insurance in Wyoming  15%13%10%8%30%
USAA:  Best Car Insurance in Wyoming15%10%30%10%30%

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Also, if you cause significant financial losses or hit a luxury vehicle, the cost of an accident may be much higher than what liability coverage offers. Any costs above your limits will need to be paid out of your pocket.

Wyoming Report Card: Car Insurance Discounts

Discount NameGradeSavingsParticipating Providers
Safe DriverA30%State Farm, Geico, Allstate, Progressive
Multi-Policy A-25%Farmers, Nationwide, Liberty Mutual
Good Student B+20%State Farm, Progressive, Allstate
Defensive DrivingB15%Geico, American Family, Travelers
Low Mileage B-12%Nationwide, Safeco, USAA
Vehicle Safety Features C+10%Progressive, Liberty Mutual, Allstate
Pay-in-FullC8%Farmers, The Hanover, Travelers

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For more comprehensive coverage, you should always look into higher limits. Sometimes, the price difference isn’t that sizeable. We’ll go into more detail about fuller coverage later on.

Read more: driving tips archive

Picking the Best Car Insurance in Wyoming

When searching for the top car insurance provider in Wyoming, seek one that is cost-effective, provides excellent customer support, and has adaptable coverage choices.

This guide highlights the best car insurance companies for Wyoming drivers: State Farm offers comprehensive coverage, Geico is known for efficient claim processing, and Allstate provides a 25% discount when bundling policies.

Wyoming drivers should compare multiple quotes to find the best coverage at the lowest price.

Justin Wright Licensed Insurance Agent

Comparing quotes from different providers is a smart choice for finding competitive rates and suitable coverage. Enter your ZIP code now to explore insurance options.

Read more: How the States Rank on Uninsured Drivers

Frequently Asked Questions

Which are the best car insurance companies in Wyoming?

The best car insurance in Wyoming include State Farm, Geico, and Allstate, known for their competitive Wyoming car insurance rates and reliable coverage options.

How much is car insurance in Wyoming on average?

The average cost of car insurance in Wyoming varies by provider and coverage level, but full coverage typically costs around $100 per month, while minimum liability coverage averages $25–$35 per month. Simply enter your ZIP code to find out more information.

What are the Wyoming car insurance requirements?

Wyoming car insurance laws require all drivers to carry minimum liability coverage of $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage, but higher coverage limits are recommended. For more detailed information, please refer to our car insurance basics.

How can I find cheap car insurance in Wyoming?

To find cheap car insurance in Wyoming, compare Wyoming auto insurance quotes from multiple car insurance companies in Wyoming and take advantage of discounts for safe driving, bundling policies, or being a good student.

What are the Wyoming auto insurance requirements for drivers?

Wyoming auto insurance requirements mandate that all drivers carry at least the state’s minimum liability insurance, but additional coverage like collision, comprehensive, and uninsured motorist protection is highly recommended. Enter your ZIP code to give you more information.

Where can I get Wyoming car insurance quotes?

You can obtain Wyoming car insurance quotes online through comparison sites or directly from Wyoming car insurance companies, which can help you find the best Wyoming auto insurance rates for your needs. Discover valuable safe driving tips for Wyoming.

What factors affect Wyoming car insurance rates?

Wyoming car insurance rates depend on factors such as driving record, age, vehicle type, credit score, and location, with rural drivers often paying lower rates than those in more populated areas.

Which company offers the cheapest car insurance in Wyoming?

The cheapest car insurance in Wyoming often comes from providers like USAA (for military families), Geico, and State Farm, which offer competitive Wyoming auto insurance quotes for various driver profiles. Check more by entering your ZIP code.

Can I get cheap auto insurance in Wyoming with a poor driving record?

Yes, while rates may be higher, you can still find cheap auto insurance in Wyoming by opting for state-minimum coverage, enrolling in a defensive driving course, or choosing a usage-based insurance plan. Check this tip on how to lower your car insurance cost for more information.

What discounts are available for Wyoming auto insurance?

Many Wyoming car insurance companies offer discounts for bundling policies, having a clean driving record, taking defensive driving courses, being a good student, or driving a low-mileage vehicle.

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