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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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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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 are the best car insurance in Wyoming, with monthly premiums starting at just $19 from State Farm for comprehensive coverage.
Explore 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
Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 17% | B | 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 |
By exploring these options, Wyoming drivers can find the best coverage at competitive rates. Enter your ZIP code to receive a tailored policy.
- 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
#1 – State Farm: Top Overall Choice
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
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
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
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
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
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
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
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
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
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 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, 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 Company | Available Discounts |
---|---|
Safe Driver, Multi-Policy, Anti-Theft, Early Signing, Homeowner, Vehicle Safety Features, Student Away at School, New Car, Loyalty, Claim-Free, Rideshare, Bundling | |
Safe Driver, Good Student, Multi-Policy, Bundling, Low Mileage, Vehicle Safety Features, Claim-Free, Early Signing, Homeowner, New Car, Rideshare | |
Good Driver, Multi-Policy, Pay-in-Full, Homeowner, Student, Low Mileage, Vehicle Safety Features, Claim-Free, Early Signing, Rideshare, Business Use | |
Good Driver, Multi-Vehicle, Military, Student, Claim-Free, Emergency Deployment, Federal Employee, Low Mileage, Rideshare, Bundling, Homeowner | |
Multi-Policy, Pay-in-Full, Good Driver, Early Signing, Homeowner, New Vehicle, Vehicle Safety Features, Claim-Free, Low Mileage, Rideshare, Student | |
Safe Driver, Multi-Policy, Vanishing Deductible, Good Student, Low Mileage, Homeowner, Claim-Free, Rideshare, Early Signing, Business Use | |
Snapshot, Multi-Policy, Continuous Insurance, Homeowner, Good Student, Pay-in-Full, Bundling, Low Mileage, Claim-Free, Rideshare, New Vehicle | |
Multi-Policy, Safe Driver, Anti-Theft, Homeowner, Good Student, Vehicle Safety Features, Claim-Free, Early Signing, Low Mileage, Rideshare | |
Multi-Policy, Safe Driver, Green Vehicle, Homeowner, Claim-Free, Student Away at School, New Vehicle, Rideshare, Business Use, Low Mileage | |
Safe Driver, Multi-Vehicle, Loyalty, Annual Payment, Good Student, Vehicle Storage, Claim-Free, Rideshare, Military Installation, Low Mileage |
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.
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.
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.
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 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. |
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
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 |
In Wyoming, all registered vehicles are required to meet minimum limits before hitting the roadways.
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 |
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 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% |
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 Name | Grade | Savings | Participating Providers |
---|---|---|---|
Safe Driver | A | 30% | State Farm, Geico, Allstate, Progressive |
Multi-Policy | A- | 25% | Farmers, Nationwide, Liberty Mutual |
Good Student | B+ | 20% | State Farm, Progressive, Allstate |
Defensive Driving | B | 15% | Geico, American Family, Travelers |
Low Mileage | B- | 12% | Nationwide, Safeco, USAA |
Vehicle Safety Features | C+ | 10% | Progressive, Liberty Mutual, Allstate |
Pay-in-Full | C | 8% | Farmers, The Hanover, Travelers |
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.