Best Cheap Car Insurance in Wyoming (2025)
Cheapest car insurance in Wyoming
Wyoming’s cheapest full-coverage car insurance: State Farm
At $1,227 a year, Geico is nearly as affordable. Also, Geico offers more car insurance discounts than State Farm. Get one or more, and Geico could be the cheapest for you.
Cheapest full-coverage insurance companies
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $1,196 |  |
 | Geico | $1,227 |  |
 | Farmers | $1,950 |  |
 | Allstate | $2,138 | |
 | USAA* | $944 |  |
USAA has a cheaper rate for full-coverage insurance Full-coverage car insurance usually includes both collision and comprehensive coverages, which protect your vehicle from damage and theft. than both State Farm and Geico, but only members of the military and their families can buy coverage.
The average cost of full-coverage car insurance in Wyoming is $1,491 a year. State Farm’s rate is 20% cheaper.
Cheap liability-only car insurance in Wyoming: Geico
A liability-only policy Liability car insurance covers injuries and damage you cause to others. Most states require drivers to buy at least a minimum amount of liability coverage. from Geico costs 43% less than the state average of $372 a year.
For the cheapest liability insurance in Wyoming, compare car insurance quotes from several companies before you buy or renew a policy.
Cheapest companies for liability car insurance
| Company | Annual rate |
|---|---|
| Geico | $212 |
| State Farm | $268 |
| Farmers | $462 |
| Allstate | $720 |
| USAA* | $197 |
Best cheap auto insurance for young drivers in Wyoming: Geico
State Farm’s rates are close enough to Geico’s that you should get quotes from both to get the cheapest car insurance for teens. State Farm also scores better for customer satisfaction.
Cheap car insurance rates for young drivers
| Company | Liability only | Full coverage |
|---|---|---|
| Geico | $702 | $3,557 |
| State Farm | $857 | $3,787 |
| Farmers | $1,287 | $5,650 |
| Allstate | $2,165 | $7,555 |
| USAA* | $556 | $2,675 |
Cheapest Wyoming car insurance after a speeding ticket: State Farm
A speeding ticket causes your car insurance to go up by around 23% in Wyoming. State Farm raises its rates by just 8%, on average.
Best car insurance quotes after a ticket
| Company | Annual rate |
|---|---|
| State Farm | $1,294 |
| Farmers | $2,048 |
| Geico | $2,363 |
| Allstate | $2,420 |
| USAA* | $1,067 |
Cheap car insurance quotes in Wyoming after an accident: State Farm
This is 27% less than what the average driver pays ($1,905 a year) for auto insurance after an accident in Wyoming.
Cheapest insurance companies with an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,392 |
| Geico | $1,806 |
| Farmers | $2,245 |
| Allstate | $2,902 |
| USAA* | $1,178 |
Cheapest insurance for Wyoming teens with a bad driving record: Geico
Wyoming teens pay about $879 a year for liability car insurance from Geico after getting a speeding ticket. With an accident on their driving records, teens pay $953 a year with State Farm.
Best car insurance for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| Geico | $879 | $781 |
| State Farm | $953 | $1,050 |
| Farmers | $1,355 | $1,491 |
| Allstate | $2,493 | $2,514 |
| USAA* | $582 | $662 |
For cheap insurance with a bad driving record as a Wyoming teen, shop around and compare quotes from a number of companies.
Also, look for car insurance discounts aimed at teens. Most insurance companies offer discounts for young drivers that could save you money. Some of these include:
- Good student discount
- Driver’s education or defensive driver discount
- Student away at school discount
Wyoming’s best auto insurance companies after a DUI: State Farm
Though Allstate is a bit more expensive than State Farm if you have a DUI, Allstate has more coverage options. See if this makes a difference for you by getting quotes from both companies.
The average driver pays around 78% more for car insurance after a DUI (driving under the influence) conviction in Wyoming.
Cheapest car insurance quotes with a DUI
| Company | Annual rate |
|---|---|
| State Farm | $2,270 |
| Allstate | $2,620 |
| Geico | $3,031 |
| Farmers | $3,624 |
| USAA* | $1,727 |
Cheap car insurance quotes for bad credit in Wyoming: Geico
Wyoming drivers with bad credit pay 60% more for car insurance than those with good credit.
Cheapest insurance companies for poor credit
| Company | Annual rate |
|---|---|
| Geico | $1,687 |
| State Farm | $1,989 |
| Farmers | $2,344 |
| Allstate | $3,189 |
| USAA* | $2,728 |
Best car insurance companies in Wyoming
State Farm also has the best financial strength rating from AM Best. And its app and website stand out for being helpful and easy to use.
Wyoming car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Wyoming insurance rates by city
Drivers in Hoback pay the highest car insurance quotes in Wyoming at $1,559 a year.
Among Wyoming’s largest cities, Cheyenne drivers pay around $1,445 a year for car insurance. In Casper, the average cost of car insurance is $1,472 a year.
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Afton | $1,453 | 0% |
| Aladdin | $1,480 | 1% |
| Albin | $1,459 | 0% |
| Alcova | $1,470 | 1% |
| Alpine | $1,452 | 0% |
| Alta | $1,555 | 7% |
| Alva | $1,480 | 1% |
| Antelope Valley-Crestview | $1,484 | 2% |
| Arapahoe | $1,449 | -1% |
| Arminto | $1,470 | 1% |
| Arvada | $1,440 | -1% |
| Auburn | $1,453 | 0% |
| Baggs | $1,423 | -2% |
| Bairoil | $1,475 | 1% |
| Banner | $1,409 | -3% |
| Bar Nunn | $1,481 | 2% |
| Basin | $1,445 | -1% |
| Bedford | $1,453 | 0% |
| Beulah | $1,480 | 1% |
| Big Horn | $1,400 | -4% |
| Big Piney | $1,451 | 0% |
| Bondurant | $1,447 | -1% |
| Bosler | $1,451 | 0% |
| Boulder | $1,451 | 0% |
| Buffalo | $1,453 | 0% |
| Buford | $1,451 | 0% |
| Burlington | $1,445 | -1% |
| Burns | $1,459 | 0% |
| Byron | $1,445 | -1% |
| Carpenter | $1,459 | 0% |
| Casper | $1,472 | 1% |
| Centennial | $1,451 | -1% |
| Cheyenne | $1,445 | -1% |
| Chugwater | $1,447 | -1% |
| Clearmont | $1,431 | -2% |
| Cody | $1,445 | -1% |
| Cokeville | $1,453 | 0% |
| Cora | $1,445 | -1% |
| Cowley | $1,445 | -1% |
| Crowheart | $1,445 | -1% |
| Daniel | $1,447 | -1% |
| Dayton | $1,408 | -3% |
| Deaver | $1,445 | -1% |
| Devils Tower | $1,480 | 1% |
| Diamondville | $1,452 | 0% |
| Dixon | $1,423 | -2% |
| Douglas | $1,429 | -2% |
| Dubois | $1,445 | -1% |
| Edgerton | $1,481 | 2% |
| Elk Mountain | $1,421 | -3% |
| Emblem | $1,445 | -1% |
| Encampment | $1,423 | -2% |
| Ethete | $1,458 | 0% |
| Etna | $1,452 | 0% |
| Evanston | $1,431 | -2% |
| Evansville | $1,481 | 2% |
| Fairview | $1,453 | 0% |
| Farson | $1,478 | 1% |
| Fe Warren AFB | $1,459 | 0% |
| Fort Bridger | $1,431 | -2% |
| Fort Laramie | $1,461 | 0% |
| Fort Washakie | $1,458 | 0% |
| Four Corners | $1,480 | 1% |
| Fox Farm-College | $1,443 | -1% |
| Frannie | $1,445 | -1% |
| Freedom | $1,453 | 0% |
| Frontier | $1,452 | 0% |
| Garrett | $1,451 | 0% |
| Gillette | $1,491 | 2% |
| Glendo | $1,469 | 1% |
| Glenrock | $1,436 | -1% |
| Granger | $1,473 | 1% |
| Granite Canon | $1,456 | 0% |
| Green River | $1,473 | 1% |
| Greybull | $1,445 | -1% |
| Grover | $1,453 | 0% |
| Guernsey | $1,447 | -1% |
| Hanna | $1,421 | -3% |
| Hartville | $1,447 | -1% |
| Hawk Springs | $1,447 | -1% |
| Hiland | $1,478 | 1% |
| Hillsdale | $1,459 | 0% |
| Hoback | $1,559 | 7% |
| Horse Creek | $1,459 | 0% |
| Hudson | $1,458 | 0% |
| Hulett | $1,480 | 1% |
| Huntley | $1,447 | -1% |
| Hyattville | $1,445 | -1% |
| Jackson | $1,559 | 7% |
| Jay Em | $1,461 | 0% |
| Jeffrey City | $1,456 | 0% |
| Jelm | $1,451 | -1% |
| Kaycee | $1,470 | 1% |
| Kelly | $1,553 | 6% |
| Kemmerer | $1,452 | 0% |
| Kinnear | $1,449 | -1% |
| Kirby | $1,445 | -1% |
| La Barge | $1,452 | 0% |
| Lagrange | $1,454 | 0% |
| Lance Creek | $1,480 | 1% |
| Lander | $1,458 | 0% |
| Laramie | $1,451 | -1% |
| Leiter | $1,425 | -2% |
| Linch | $1,462 | 0% |
| Lingle | $1,461 | 0% |
| Little America | $1,473 | 1% |
| Lonetree | $1,431 | -2% |
| Lost Springs | $1,458 | 0% |
| Lovell | $1,445 | -1% |
| Lucerne | $1,449 | -1% |
| Lusk | $1,461 | 0% |
| Lyman | $1,431 | -2% |
| Lysite | $1,463 | 0% |
| Manderson | $1,445 | -1% |
| Manville | $1,458 | 0% |
| Mc Kinnon | $1,478 | 1% |
| Medicine Bow | $1,423 | -2% |
| Meeteetse | $1,459 | 0% |
| Meriden | $1,459 | 0% |
| Midwest | $1,481 | 2% |
| Mills | $1,467 | 1% |
| Moorcroft | $1,480 | 1% |
| Moose | $1,555 | 7% |
| Moose Wilson Road | $1,559 | 7% |
| Moran | $1,552 | 6% |
| Mountain View | $1,420 | -3% |
| Natrona | $1,470 | 1% |
| Newcastle | $1,480 | 1% |
| Nordic | $1,452 | 0% |
| North Rock Springs | $1,479 | 1% |
| Opal | $1,452 | 0% |
| Osage | $1,480 | 1% |
| Otto | $1,445 | -1% |
| Parkman | $1,408 | -3% |
| Pavillion | $1,445 | -1% |
| Pine Bluffs | $1,459 | 0% |
| Pinedale | $1,449 | -1% |
| Point Of Rocks | $1,479 | 1% |
| Powder River | $1,470 | 1% |
| Powell | $1,445 | -1% |
| Ralston | $1,445 | -1% |
| Ranchester | $1,400 | -4% |
| Ranchettes | $1,446 | -1% |
| Rawlins | $1,423 | -2% |
| Recluse | $1,506 | 3% |
| Reliance | $1,479 | 1% |
| Riverton | $1,449 | -1% |
| Robertson | $1,440 | -1% |
| Rock River | $1,451 | 0% |
| Rock Springs | $1,479 | 1% |
| Rozet | $1,506 | 3% |
| Saddlestring | $1,462 | 0% |
| Saratoga | $1,423 | -2% |
| Savery | $1,423 | -2% |
| Shawnee | $1,436 | -1% |
| Shell | $1,445 | -1% |
| Sheridan | $1,400 | -4% |
| Shirley Basin | $1,421 | -3% |
| Shoshoni | $1,443 | -1% |
| Sinclair | $1,421 | -3% |
| Slater | $1,461 | 0% |
| Smoot | $1,453 | 0% |
| South Greeley | $1,443 | -1% |
| South Park | $1,559 | 7% |
| St. Stephens | $1,449 | -1% |
| Story | $1,409 | -3% |
| Sundance | $1,480 | 1% |
| Superior | $1,490 | 2% |
| Ten Sleep | $1,458 | 0% |
| Teton Village | $1,559 | 7% |
| Thayne | $1,453 | 0% |
| Thermopolis | $1,449 | -1% |
| Tie Siding | $1,451 | 0% |
| Torrington | $1,461 | 0% |
| Upton | $1,480 | 1% |
| Van Tassell | $1,461 | 0% |
| Veteran | $1,447 | -1% |
| Vista West | $1,470 | 1% |
| Walcott | $1,421 | -3% |
| Wamsutter | $1,479 | 1% |
| Wapiti | $1,445 | -1% |
| Warren AFB | $1,446 | -1% |
| Weston | $1,506 | 3% |
| Wheatland | $1,461 | 0% |
| Wilson | $1,559 | 7% |
| Wolf | $1,425 | -2% |
| Worland | $1,458 | 0% |
| Wright | $1,484 | 2% |
| Wyarno | $1,400 | -4% |
| Yellowstone National Park | $1,445 | -1% |
| Yoder | $1,447 | -1% |
Minimum coverage for car insurance in Wyoming
Wyoming auto insurance requirements
| Coverage type | Minimum amount needed |
|---|---|
| Bodily injury liability | $25,000 per person $50,000 per accident |
| Property damage liability | $20,000 per accident |
Frequently asked questions
The average cost of car insurance in Wyoming is $372 per year for a liability-only policy. That’s $31 a month.
Full-coverage car insurance in Wyoming costs $1,491 per year, or $124 a month, on average.
State Farm and Geico have the best cheap car insurance for most drivers in Wyoming.
A liability-only policy from Geico costs around $212 per year, or $18 a month. For full coverage, State Farm has the state’s cheapest quote of $1,196 per year, or $100 a month.
All Wyoming drivers need to buy at least 25/50/20 car insurance. This means they need:
- $25,000 of bodily injury liability per person
- $50,000 of bodily injury liability per accident
- $20,000 of property damage liability