Best Car Insurance in Wyoming for 2025 [WY’s 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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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: May 15, 2025
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Company Facts
Full Coverage in Wyoming
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Wyoming
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Wyoming
A.M. Best Rating
Complaint Level
Pros & Cons
State Farm, Geico, and Allstate offer the best car insurance in Wyoming, with monthly premiums starting at just $19.
Explore our Wyoming car insurance guide to discover how top providers like State Farm offer comprehensive coverage, including discounts for good students.
Our Top 10 Company Picks: Best Car Insurance in Wyoming
Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 17% | A++ | Overall Coverage | State Farm | |
#2 | 25% | A++ | Low Rates | Geico | |
#3 | 25% | A+ | Add-On Options | Allstate | |
#4 | 10% | A+ | Flexible Plans | Progressive | |
#5 | 20% | A | Customer Service | Farmers | |
#6 | 25% | A | Young Drivers | American Family | |
#7 | 10% | A++ | Military Families | USAA | |
#8 | 20% | A+ | Deductible Reduction | Nationwide | |
#9 | 25% | A | Custom Coverage | Liberty Mutual | |
#10 | 13% | A++ | Green Vehicles | Travelers |
Geico has excellent customer support at $27 monthly rates, while Allstate offers customizable features and a 25% bundling discount.
You can easily compare car insurance quotes in Wyoming to find the best deals, helping you save money while getting coverage tailored to your needs.
- The best car insurance in WY is from State Farm, Geico, and Allstate
- USAA is known for its cheapest rate, starting at $13 a month
- Nationwide offers a 40% discount for safe drivers in Wyoming
By exploring these options, Wyoming drivers can find the best coverage at competitive rates. Enter your ZIP code to receive a tailored policy.
#1 – State Farm: Top Overall Choice
Pros
- Strong Customer Service: Wyoming drivers save time with many local reps offering fast, personal support to get them back on the road quickly.
- 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 in Wyoming with good grades can enjoy a 25% discount on their premiums.
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 for digital users in Wyoming.
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#2 – Geico: Best for Low Rates
Pros
- A++ Financial Rating: With an A++ rating from A.M. Best, Geico is considered financially strong and reliable to Wyoming drivers based on our Geico car insurance review.
- Easy Online Experience: Wyoming drivers can use Geico’s user-friendly digital tools to manage their policies, file claims, and compare 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 in Wyoming, Geico depends more on online and phone support than on in-person agents.
- Limited Add-On Options: Geico offers fewer optional coverages to drivers in Wyoming, such as gap insurance and custom parts coverage.
#3 – Allstate: Best for Add-On Options
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 in Wyoming can easily manage policies, file claims, and access Drivewise for rewards from safe driving.
- Local Agent Network: Wyoming 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 in Wyoming, 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
Pros
- Unique Featured Tool: Drivers in Wyoming can use the Name Your Price Tool to customize coverage based on their budget to find cheaper options.
- Online and Mobile Tools: Wyoming drivers can access the upgraded app and website for fast transactions, such as claims filing and comparison tools.
- Wide Coverage Availability: Progressive offers nationwide discounts and coverage, including rideshare and pet injury protection for Wyoming residents.
Cons
- Snapshot Program: Our Progressive car insurance review shows that Snapshot rewards safe drivers in Wyoming, but risky habits can raise rates.
- Few Physical Branches: Since Progressive primarily operates online, Wyoming customers may need to learn how to use online tools and mobile apps.
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#5 – Farmers: Best for Customer Service
Pros
- Highly Customizable Policies: Based on our Farmers car insurance review, Farmers offers Wyoming drivers perks like accident forgiveness and rideshare coverage
- Strong Customer Service: Customers in Wyoming are pleased with Farmers’ local agents for their personalized service and detailed policy guidance.
- Accident Forgiveness Program: Farmers’ new featured program guarantees that a Wyoming driver’s first at-fault accident will not result in a premium increase.
Cons
- Higher Average Premiums: Leading providers in Wyoming, such as Farmers, normally have higher base premiums, starting at a minimum of $30 per month.
- Limited Availability: Coverage options and farmers’ discounts vary by state, which means not all Wyoming drivers can benefit from them consistently across the country.
#6 – American Family: Best for Young Drivers
Pros
- Reliable Agents: Based on our American Family car insurance review, American Family is praised in Wyoming for responsive service and personalized agent support.
- Additional Protection: In Wyoming, 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 in Wyoming.
- Need Upgrades: American Family’s online experience and mobile app features for drivers are not as advanced as customers in Wyoming reported.
#7 – USAA: Best for Military Families
Pros
- Competitive Rates: USAA provides the lowest available rates in the country, with $13 starting prices per month, especially helpful for Wyoming military veterans and families.
- Superior Financial Strength: Wyoming customers trust USAA because of its A++ rating from A.M. Best, demonstrating strong financial stability and reliable claims.
- Extensive Military Benefits: USAA offers Wyoming active-duty members deployment discounts and flexible payments. 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 in Wyoming, restricting eligibility for the general population.
- Limited Physical Locations: Unlike some competitors, USAA has fewer in-person branch locations in Wyoming for those who prefer face-to-face service.
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#8 – Nationwide: Best for Deductible Reductions
Pros
- Customer Review: Customers in Wyoming 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 in Wyoming, including options like accident forgiveness and total loss replacement.
- Great Discounts: Wyoming good drivers can save up to 40% with Nationwide’s UBI Plus. See our Nationwide car insurance review for more discounts.
Cons
- Not For All: Nationwide’s premiums begin at a monthly rate of $28, which some Wyoming drivers may consider expensive.
- Inaccessible to Some Drivers: Some discounts and Nationwide programs for Wyoming residents cannot be offered in all states.
#9 – Liberty Mutual: Best for Custom Coverage
Pros
- Affordable Rates: Liberty Mutual offers low Wyoming rates starting at $17 a month. To check more of these, just go to our Liberty Mutual car insurance review page.
- Good Telematics Program: Liberty Mutual’s RightTrack program rewards safe driving habits with potential premium discounts for Wyoming drivers.
- Many Discount Options: Customers in Wyoming 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 from Wyoming policyholders.
- Limited Local Representatives: Liberty Mutual depends more on transactions made by customers online and over the phone rather than through in-person agents in Wyoming.
#10 – Travelers: Best for Green Vehicles
Pros
- Strong Financial Stability: Customers in Wyoming trust top providers like Travelers due to their A++ rating from A.M. Best, which guarantees reliable claim payouts.
- Vast Coverage Choices: Travelers car insurance in Wyoming offers unique perks, such as gap insurance, accident forgiveness, and rideshare coverage.
- Focus on Green Vehicles: Wyoming customers can take advantage of incentives for hybrid and electric cars, making them an eco-friendly choice.
Cons
- Costly Rates: Travelers’ $23 monthly rate is higher than other top Wyoming providers. Check our Travelers car insurance review for cheaper options.
- Mixed Reviews: Some customers in Wyoming have reported slow claims processing and inconsistent support experiences, along with necessary upgrades.
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Check the Cheapest Companies in Wyoming
To guarantee you’re safely (and legally) driving in this breathtaking state, you’ll need a good car insurance policy. So here’s where we get into what many people find most important when it comes to buying car insurance: A cheap policy. Below are the top insurers offering the best rates for Wyoming drivers:
Wyoming Car Insurance Monthly Rates by Provider & Coverage Level
Company | Minimum Coverage | Full Coverage |
---|---|---|
$36 | $155 | |
$26 | $111 | |
$30 | $130 | |
$27 | $112 | |
$17 | $75 | |
$28 | $114 | |
$25 | $106 | |
$19 | $82 | |
$23 | $98 | |
$13 | $57 |
Of course, discovering those low rates can be intimidating. That’s what we’re here for; we’ll keep your wallet smiling and ensure you get the best possible rates in Wyoming. Before you head out onto Wyoming’s open roads, it is important to know the state’s minimum car insurance requirements. Wyoming law mandates that all drivers carry the following liability coverage:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $20,000 for property damage
This 25/50/20 liability coverage ensures that you’re financially responsible if you cause an accident, covering the other party’s injuries and property damage. Keep in mind, however, that liability insurance doesn’t cover your own vehicle or injuries, which is where optional coverage comes in.
Wyoming drivers should compare multiple quotes to find the best coverage at the lowest price.
Justin Wright Licensed Insurance Agent
To enhance protection beyond the state minimums, many drivers choose to add optional coverages, also known as coverage add-ons. The table below highlights how each top insurer in Wyoming stacks up when it comes to offering key optional coverages.
Car Insurance Coverage Add-Ons by Provider in Wyoming
Company | Glass Coverage | Rental Car Reimbursement | Roadside Assistance | Custom Equipment Coverage | Accident Forgiveness |
---|---|---|---|---|---|
✅ | ✅ | ✅ | ❌ | ✅ | |
❌ | ✅ | ✅ | ❌ | ✅ | |
✅ | ✅ | ✅ | ✅ | ✅ | |
✅ | ✅ | ✅ | ❌ | ❌ | |
✅ | ✅ | ✅ | ❌ | ❌ | |
❌ | ✅ | ✅ | ❌ | ❌ | |
✅ | ✅ | ✅ | ✅ | ❌ | |
❌ | ✅ | ✅ | ❌ | ❌ | |
✅ | ✅ | ✅ | ❌ | ❌ | |
✅ | ✅ | ✅ | ❌ | ❌ |
These can offer greater peace of mind, especially in rural and high-wind regions like Wyoming, where collisions with wildlife or breakdowns in remote areas are more common.
Factors Affecting Car Insurance Rates in WY
Every driver is unique, and the things that make one company perfect for one person might be very different for another driver. In 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. The tables below highlight how car insurance rates in Wyoming vary depending on your driving record and credit score, two of the biggest factors influencing your premium.
Wyoming Full Coverage Auto Insurance Monthly Rates by Driving Record
Company | Clean Record | One Ticket | One Accident | One DUI |
---|---|---|---|---|
$228 | $268 | $321 | $385 | |
$166 | $194 | $251 | $276 | |
$198 | $247 | $282 | $275 | |
$114 | $151 | $189 | $309 | |
$248 | $302 | $335 | $447 | |
$164 | $196 | $230 | $338 | |
$150 | $199 | $265 | $200 | |
$123 | $137 | $146 | $160 | |
$141 | $192 | $199 | $294 | |
$84 | $96 | $111 | $154 |
The data shows that clean records and good credit lead to significantly lower full coverage premiums, making safe driving and financial responsibility key to affordable insurance. Companies like USAA, State Farm, and Geico reward these traits with lower rates.
Wyoming Full Coverage Auto Insurance Monthly Rates by Credit Score
Company | Poor Credit | Fair Credit | Good Credit |
---|---|---|---|
$270 | $210 | $165 | |
$250 | $195 | $155 | |
$265 | $205 | $160 | |
$240 | $190 | $150 | |
$275 | $215 | $170 | |
$255 | $200 | $160 | |
$260 | $205 | $165 | |
$235 | $185 | $145 | |
$245 | $190 | $150 | |
$220 | $175 | $135 |
For Wyoming drivers, where rural roads and weather can affect risk, knowing how insurers adjust prices helps them make smarter choices. Comparing rates ensures better protection without overpaying.
Read More: Car Insurance Rates by State
Savings From the Largest Companies in Wyoming
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.
A.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 drivers can also reduce their premiums with the right discounts from these companies. The bundling car insurance discount, available through most major providers, lets you save up to 25% by combining auto and home policies.
Car Insurance Discounts From Top Wyoming Providers
Company | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
---|---|---|---|---|---|
10% | 25% | 25% | 20% | 30% | |
25% | 25% | 25% | 20% | 30% | |
10% | 20% | 30% | 15% | 30% | |
25% | 25% | 26% | 15% | 25% | |
35% | 25% | 20% | 15% | 30% | |
5% | 20% | 40% | 15% | 40% | |
25% | 10% | 30% | 10% | $231/yr | |
15% | 17% | 25% | 25% | 30% | |
15% | 13% | 10% | 8% | 30% | |
15% | 10% | 30% | 10% | 30% |
Meanwhile, usage-based insurance (UBI) rewards safe habits behind the wheel with discounts of up to 40%. By using this data to tailor coverage and qualify for key discounts, drivers can stay protected while saving money. The biggest names often have the strongest financial stability, something worth considering before you sign on to an unknown provider.
Wyoming earns high marks for car insurance affordability, with consistent rural vs. urban pricing (A grade) and low minimum coverage costs (A-). Seniors benefit from fair rates (B+), and a low rate of uninsured drivers (B) helps keep premiums down.
Wyoming Report Card: Car Insurance Premiums
Category | Grade | Explanation |
---|---|---|
Rural vs. Urban Premium Gap | A | Stable rates across areas. |
Minimum Coverage Premiums | A- | Among the lowest in the U.S. |
Senior Driver Premiums | B+ | Reasonable compared to average. |
Uninsured Motorist Impact | B | Low uninsured rate keeps costs down. |
High-Risk Driver Premiums | C+ | Higher due to rural road risks. |
Teen Driver Premiums | C | Costly but lower than urban states. |
However, teen (C) and high-risk (C+) drivers pay more, although less than in urban states. These drivers need to investigate discounts, UBI programs, and bundling to lower their rates.
Read More: How to Lower Your Car Insurance Cost
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WY Car Insurance: Accidents and Claims Statistics
Knowing Wyoming’s statistics on accidents and insurance claims allows drivers to make better, less expensive choices. For example, urban areas such as Cheyenne and Casper have a greater number of accidents and claims, which might result in more expensive insurance prices because of more risk profiles.
Wyoming Accidents & Claims per Year by City
City | Accidents per Year | Claims per Year |
---|---|---|
Casper | 1,200 | 950 |
Cheyenne | 1,500 | 1,200 |
Cody | 450 | 350 |
Evanston | 300 | 250 |
Gillette | 1,000 | 800 |
Green River | 350 | 280 |
Jackson | 500 | 400 |
Laramie | 700 | 550 |
Rawlins | 250 | 200 |
Rock Springs | 800 | 650 |
Sheridan | 600 | 500 |
If you live in these areas, adopting safe driving tips, like avoiding rush hour congestion and practicing defensive driving, can reduce your likelihood of accidents and help you qualify for better insurance rates.
Knowing the most common types of claims can also influence your coverage choices. Collision and comprehensive claims make up 60% of all claims in Wyoming, suggesting it’s wise to carry these coverages even if your car is paid off.
5 Common Car Insurance Claims in Wyoming
Claim Type | Portion of Claims | Cost per Claim |
---|---|---|
Collision | 35% | $4,200 |
Comprehensive | 25% | $2,800 |
Liability (Bodily Injury) | 18% | $18,500 |
Liability (Property Damage) | 12% | $3,500 |
Uninsured Motorist | 10% | $7,200 |
And because bodily injury liability claims are expensive, adding higher liability limits could offer better financial protection in serious accidents.
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 offers adaptable coverage choices.
The best car insurance companies for Wyoming drivers include State Farm, known for comprehensive coverage and strong customer service; Geico, recognized for efficient claims processing; and Allstate, which offers a 25% discount for bundling policies and a wide range of coverage add-ons.
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.
Frequently Asked Questions
Which are the best car insurance companies in Wyoming?
The best car insurance in Wyoming includes State Farm, Geico, and Allstate, which are 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 about Wyoming auto insurance requirements, please refer to our page titled “How Car Insurance Works.”
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. Enter your ZIP code to get 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.
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.
Read More: Safe Driving Means Checking Your Bad Attitude at the Car Door
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.
Read More: Distracted Driving
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.