Key Takeaways: The Cheapest Car Insurance in Wyoming

  • State Farm has the overall cheapest car insurance in Wyoming across a variety of driving records, based on the companies in our analysis.
  • Geico and State Farm have the overall cheapest car insurance in Wyoming for good drivers, based on the companies in our analysis.
  • Wyoming ranks 10th among our study of “The Riskiest States To Drive In,” due in part to having the second highest number of people killed in fatal crashes (21.92 per 100,000 residents) and the third highest number of DUI arrests (1,045.69 per 100,000 licensed drivers).
  • Wyoming also has the fifth highest number of both total fatal car accidents (50.71 per 100,000 licensed drivers) and drunk drivers involved in fatal crashes (15.4 per 100,000 licensed drivers), further contributing to its risky driving environment.
  • The Cheapest Car Insurance Companies in Wyoming for Good Drivers

     

    Cheap Car Insurance for 20-Year-Olds in Wyoming

    Young drivers in Wyoming can face very high insurance rates, especially if you’re not on a parent’s car insurance policy. In Wyoming, these insurers had the cheapest car insurance according to our analysis.

    Cheapest Full Coverage Car Insurance for 20-Year-Olds in Wyoming

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Geico: $194 a month
    2. Farmers: $216 a month
    3. State Farm: $252 a month

    Cheapest Minimum Coverage for 20-Year-Olds in Wyoming

    If you’re looking for only the minimum auto insurance in Wyoming, check rates from these companies.

    1. American National: $26 a month
    2. Geico: $36 a month
    3. State Farm: $43 a month

    Cheapest Auto Insurance for 20-Year-Olds in Wyoming With Poor Credit

    Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

    1. Farmers: $259 a month
    2. Geico: $267 a month
    3. State Farm: $421 a month

    Cheapest Auto Insurance for 20-Year-Olds in Wyoming With a Speeding Ticket

    Expect a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Wyoming for drivers with a speeding ticket.

    1. Farmers: $231 a month
    2. State Farm: $274 a month
    3. Geico: $286 a month

    Cheapest Car Insurance in Wyoming for 20-Year-Olds With an At-Fault Accident

    Below are the cheapest insurers we found for Wyoming drivers who caused an accident that injured someone else.

    1. Geico: $235 a month
    2. Farmers: $261 a month
    3. State Farm: $295 a month

    Cheapest Auto Insurance for 20-Year-Olds in Wyoming After a DUI

    Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Wyoming who have a DUI conviction.

    1. State Farm: $274 a month
    2. Geico: $348 a month
    3. Allstate: $404 a month

    Cheap Car Insurance for 30-Year-Olds in Wyoming

    Drivers age 30 in Wyoming can find high insurance costs depending on their driving record. Here’s a look at the lowest companies for a variety of common driving records.

    Cheapest Full Coverage Car Insurance for 30-Year-Olds in Wyoming

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Geico: $99 a month
    2. State Farm: $128 a month
    3. Farmers: $140 a month

    Cheapest Minimum Coverage for 30-Year-Olds in Wyoming

    If you’re looking for only the required auto insurance in Wyoming, check rates from these companies.

    1. American National: $15 a month
    2. Geico: $16 a month
    3. State Farm: $22 a month

    Cheapest Auto Insurance for 30-Year-Olds in Wyoming With Poor Credit

    Poor credit can cause a large increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

    1. Geico: $136 a month
    2. Farmers: $169 a month
    3. State Farm: $212 a month

    Cheapest Auto Insurance for 30-Year-Olds in Wyoming With a Speeding Ticket

    Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Wyoming for drivers with a speeding ticket.

    1. State Farm: $138 a month
    2. Farmers: $149 a month
    3. Geico: $203 a month

    Cheapest Car Insurance in Wyoming for 30-Year-Olds With an At-Fault Accident

    Below are the cheapest options we found for Wyoming drivers who caused an accident that injured someone else.

    1. State Farm: $149 a month
    2. Geico: $152 a month
    3. Farmers: $165 a month

    Cheapest Auto Insurance for 30-Year-Olds in Wyoming After a DUI

    Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Wyoming who have a DUI conviction.

    1. State Farm: $138 a month
    2. Allstate: $260 a month
    3. Geico: $264 a month

    Cheap Car Insurance for 40-Year-Olds in Wyoming

    Wyoming drivers age 40 can typically save significant money by comparing costs from multiple insurers. We looked at which insurers offer the cheapest quotes in Wyoming, depending on your driving record.

    Cheapest Full Coverage Car Insurance for 40-Year-Olds in Wyoming

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Geico: $99 a month
    2. State Farm: $128 a month
    3. Farmers: $135 a month

    Cheapest Minimum Coverage for 40-Year-Olds in Wyoming

    If you’re looking for only the minimum auto insurance in Wyoming, check prices from these companies.

    1. American National: $15 a month
    2. Geico: $16 a month
    3. State Farm: $22 a month

    Cheapest Auto Insurance for 40-Year-Olds in Wyoming With Poor Credit

    Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

    1. Geico: $136 a month
    2. Farmers: $162 a month
    3. State Farm: $212 a month

    Cheapest Auto Insurance for 40-Year-Olds in Wyoming With a Speeding Ticket

    Brace yourself for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis these companies have the cheapest car insurance in Wyoming for drivers with a speeding ticket.

    1. State Farm: $138 a month
    2. Farmers: $143 a month
    3. Geico: $203 a month

    Cheapest Car Insurance in Wyoming for 40-Year-Olds With an At-Fault Accident

    Below are the cheapest insurers we found for Wyoming drivers who caused an accident that injured someone else.

    1. State Farm: $149 a month
    2. Geico: $152 a month
    3. Farmers: $160 a month

    Cheapest Auto Insurance for 40-Year-Olds in Wyoming After a DUI

    Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Wyoming who have a DUI conviction.

    1. State Farm: $138 a month
    2. Allstate: $260 a month
    3. Geico: $264 a month

    Cheap Car Insurance for 50-Year-Olds in Wyoming

    Wyoming drivers in their 50s are enjoying the lowest rates they’ll get based on age. But an imperfect driving record can make cheap car insurance harder to find.

    Cheapest Full Coverage Car Insurance for 50-Year-Olds in Wyoming

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Geico: $98 a month
    2. State Farm: $117 a month
    3. Farmers: $127 a month

    Cheapest Minimum Coverage for 50-Year-Olds in Wyoming

    If you’re looking for only the required auto insurance in Wyoming, check quotes from these companies.

    1. American National: $13 a month
    2. Geico: $16 a month
    3. State Farm: $20 a month

    Cheapest Auto Insurance for 50-Year-Olds in Wyoming With Poor Credit

    Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

    1. Geico: $135 a month
    2. Farmers: $153 a month
    3. State Farm: $193 a month

    Cheapest Auto Insurance for 50-Year-Olds in Wyoming With a Speeding Ticket

    Brace yourself for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Wyoming for drivers with a speeding ticket.

    1. State Farm: $126 a month
    2. Farmers: $135 a month
    3. Geico: $202 a month

    Cheapest Car Insurance in Wyoming for 50-Year-Olds With an At-Fault Accident

    Below are the cheapest companies we found for Wyoming drivers who caused an accident that injured someone else.

    1. State Farm: $136 a month
    2. Geico: $151 a month
    3. Farmers: $152 a month

    Cheapest Auto Insurance for 50-Year-Olds in Wyoming After a DUI

    Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Wyoming who have a DUI conviction.

    1. State Farm: $126 a month
    2. Allstate: $245 a month
    3. Geico: $263 a month

     

    Cheap Car Insurance for 60-Year-Olds in Wyoming

    Car insurance quotes often begin to increase around age 65, even if you have a good driving record. We found the cheapest companies for Wyoming drivers at age 60.

    Cheapest Full Coverage Car Insurance for 60-Year-Olds in Wyoming

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Geico: $98 a month
    2. State Farm: $111 a month
    3. Farmers: $127 a month

    Cheapest Minimum Coverage for 60-Year-Olds in Wyoming

    If you’re looking for only the minimum auto insurance in Wyoming, check rates from these companies.

    1. American National: $13 a month
    2. Geico: $16 a month
    3. State Farm: $19 a month

    Cheapest Auto Insurance for 60-Year-Olds in Wyoming With Poor Credit

    Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

    1. Geico: $135 a month
    2. Farmers: $153 a month
    3. State Farm: $183 a month

    Cheapest Auto Insurance for 60-Year-Olds in Wyoming With a Speeding Ticket

    Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis these companies have the cheapest car insurance in Wyoming for drivers with a speeding ticket.

    1. State Farm: $120 a month
    2. Farmers: $135 a month
    3. Geico: $202 a month

    Cheapest Car Insurance in Wyoming for 60-Year-Olds With an At-Fault Accident

    Below are the cheapest options we found for Wyoming drivers who caused an accident that injured someone else.

    1. State Farm: $129 a month
    2. Geico: $151 a month
    3. Farmers: $152 a month

    Cheapest Auto Insurance for 60-Year-Olds in Wyoming After a DUI

    Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Wyoming who have a DUI conviction.

    1. State Farm: $120 a month
    2. Allstate: $238 a month
    3. Geico: $263 a month

    Cheap Car Insurance for 70-Year-Olds in Wyoming

    Wyoming drivers age 70 are getting higher rates due to age. But relatively cheap auto insurance can still be found by comparing rates from a few companies.

    Cheapest Full Coverage Car Insurance for 70-Year-Olds in Wyoming

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Geico: $113 a month
    2. State Farm: $115 a month
    3. Farmers: $140 a month

    Cheapest Minimum Coverage for 70-Year-Olds in Wyoming

    If you’re looking for only the required auto insurance in Wyoming, check prices from these companies.

    1. American National: $16 a month
    2. Geico: $18 a month
    3. State Farm: $19 a month

    Cheapest Auto Insurance for 70-Year-Olds in Wyoming With Poor Credit

    Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

    1. Geico: $156 a month
    2. Farmers: $169 a month
    3. State Farm: $190 a month

    Cheapest Auto Insurance for 70-Year-Olds in Wyoming With a Speeding Ticket

    Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Wyoming for drivers with a speeding ticket.

    1. State Farm: $124 a month
    2. Farmers: $149 a month
    3. Geico: $217 a month

    Cheapest Car Insurance in Wyoming for 70-Year-Olds With an At-Fault Accident

    Below are the cheapest options we found for Wyoming drivers who caused an accident that injured someone else.

    1. State Farm: $134 a month
    2. Farmers: $165 a month
    3. Geico: $166 a month

    Cheapest Auto Insurance for 70-Year-Olds in Wyoming After a DUI

    Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Wyoming who have a DUI conviction.

    1. State Farm: $124 a month
    2. Allstate: $248 a month
    3. Geico: $279 a month

    Cheapest Car Insurance In Cheyenne, Wyoming

    Cheapest For... Company Average Monthly Cost In Cheyenne
    Good drivers
    American National
    $70
    Drivers with a speeding ticket
    American National
    $103
    Drivers who caused an accident with injury
    American National
    $120
    Drivers with a DUI
    American National
    $136
    Driver with poor credit
    American National
    $100
    Average rates are based on a 40-year-old female with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state.
    Source: Quadrant Information Services.
    *In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

    Cheapest Car Insurance In Casper, Wyoming

    Cheapest For... Company Average Monthly Cost In Casper
    Good drivers
    American National
    $77
    Drivers with a speeding ticket
    American National
    $114
    Drivers who caused an accident with injury
    American National
    $133
    Drivers with a DUI
    $136
    Driver with poor credit
    American National
    $110
    Average rates are based on a 40-year-old female with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state.
    Source: Quadrant Information Services.
    *In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

    Cheapest Car Insurance In Gillette, Wyoming

    Cheapest For... Company Average Monthly Cost In Gillette
    Good drivers
    American National
    $77
    Drivers with a speeding ticket
    American National
    $117
    Drivers who caused an accident with injury
    American National
    $128
    Drivers with a DUI
    $136
    Driver with poor credit
    American National
    $110
    Average rates are based on a 40-year-old female with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state.
    Source: Quadrant Information Services.
    *In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

    How to Find Cheap Car Insurance in Wyoming

    Finding low-cost car insurance in Wyoming can be done by using a few guidelines. An ideal car insurance policy for you will have a good cost and coverage features that address your needs.

    Check Rates from Several Car Insurance Companies

    Your quest for the best deal begins with comparison shopping. Forbes Advisor’s analysis has found that drivers who compare car insurance quotes can potentially save hundreds a year. Even if your driving history is not great, evaluating multiple companies will often unearth the cheapest options.

    Consider Switching Companies When Your Driving Record Changes

    Getting a ticket or causing an accident will generally result in an insurance bill increase. A company that offered cheap Wyoming car insurance for you previously may no longer be a smart option. In some cases you need to switch car insurance companies in order to score good rates again.

    Regularly Review Your Auto Insurance Coverage

    If you haven’t reviewed your car policy in a long time, it may be a smart move to assess your coverage. There may be coverage you no longer want, such as roadside assistance coverage.

    Rethink Your Deductible

    If you have collision and comprehensive insurance, you have a car insurance deductible. The deductible you choose influences your premiums and potential out-of-pocket expenses if your vehicle is damaged or stolen. Consider raising the deductible to reduce your insurance bill. Keep in mind that a larger deductible will mean you pay a larger portion of car repair costs if you make a claim.

    Keep an Eye on Car Insurance Discounts

    Many car insurance discounts are added to your policy automatically, but there may be additional car insurance discounts your insurer doesn’t know you’re eligible for. For example, if you have a high school or college student in your household who has good grades, you might be eligible for a good student discount. Ask your insurance company for a review of possible discounts.

    Take Advantage of Bundling

    Maximize your savings by bundling car insurance with other policies from the same insurance company. Whether it’s Wyoming auto and home insurance or car insurance paired with condo or renters insurance, bundling can result in a significant cost reduction, often averaging around 14%, based on our analysis.

    Optimize Your Insurance Payment Strategy

    You may be able to get small price breaks based on the way you pay your auto insurance bill. Some insurers offer discounts for:

    • Going paperless for bills and policy documents.
    • Using EFT payments if you’re paying in monthly installments.
    • Paying for the whole policy term at the beginning of the term.

    Cheap Car Insurance Companies 2024

    With so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the cheapest car insurance companies, so you don't have to.

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