What is the cheapest car insurance company in Wyoming?

The cheapest Wyoming car insurance depends on your coverage needs and personal rating factors. That said, there are a handful of companies that are known for writing cheap car insurance policies in the state. Your quoted rate will vary from state averages based on your age, gender and credit rating, as well as your car's age, make and model. This is why experts recommend that you compare quotes from several companies to find the cheapest carrier for your circumstances.

What information is needed to get car insurance in Wyoming?

Insurance companies require you to supply your vehicle details, like the make, model and year of your car. You will also need to provide personal information, like your Social Security number and address.

Why does my age matter for my auto policy?

Insurers determine your premium based partly on your age. Since young drivers are statistically more likely to be involved in accidents, insurers need to compensate for the increased risk of claims by charging them more for their coverage. There are, however, ways for teen and young adult drivers to save. Rates for young drivers begin to decrease when they enter their twenties, and will continue to go down until they are in their 60s and 70s, when rates may rise slightly to account for an increase in accidents involving senior citizens.

What factors do insurers use to determine my premium?

Insurers use a range of factors to determine your car insurance premium rate in Wyoming. Some of these factors are things you can't do anything about, such as your age. Others are factors that you may be able to change. Your driving record, for example, plays a primary role in determining your rate, and you are likely to be eligible for a lower rate if you have a clean driving record with no infractions. Other factors include your auto claim history, the make and model of your car and the coverage options you choose for your policy.

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Best car insurance in Wyoming for 2025

Written by

Mary Van Keuren

Edited by

Mariah Posey

Edited by

Mariah Posey

Updated Mar 01, 2025

Geico, State Farm, Allstate and Farmers write some of the best car insurance in Wyoming.

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Explore offers from trusted carriers

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On This Page

Best car insurance companies in Wyoming

According to data provided by Quadrant Information Services, the average annual premium for a full coverage car insurance policy in Wyoming is $1,759; minimum coverage averages $263 per year. We also analyzed third-party customer satisfaction scores issued in the J.D. Power 2023 U.S. Auto Insurance Study as well as coverage options and discount availability, among other factors. Based on our in-depth research, you might find the best Wyoming auto insurance from Geico, State Farm, Allstate or Farmers.


Geico	4.3 Rating: 4.3 stars out of 5	$2,464	$175
State Farm	4.3 Rating: 4.3 stars out of 5	$1,366	$221
Allstate	3.9 Rating: 3.9 stars out of 5	$1,941	$394
Farmers	3.8 Rating: 3.8 stars out of 5	$1,511	$263

Geico

Best for digital tools

4.3

Read Geico review Get a quote

Avg. full coverage premium

$205/mo

Avg. full coverage premium

$2,464/yr

Customer satisfaction

637/1,000

Why Geico made our list: Thanks to its highly-rated mobile app, Geico stands apart from the crowd. From digital ID cards (considered legal proof of insurance in Wyoming) to quick claims estimates to adding and removing vehicles, policyholders have the freedom of policy management at their fingertips. You can even keep track of your vehicle’s maintenance schedule on the app through Geico’s partnership with CARFAX. Geico’s tech helped it tie for the 2024 Bankrate Award for Best Auto Insurance Company Overall.

Read full Geico Insurance review
Pros
Offers a long list of discounts which might offset its expensive premiums

Mechanical breakdown insurance available for eligible brand-new vehicles
Cons
Average rate for full coverage in Wyoming is higher than the state average

Geico’s DriveEasy telematics discount not offered in Wyoming

State Farm

Best for customer service

4.3

Read State Farm review Get a quote

Avg. full coverage premium

$114/mo

Avg. full coverage premium

$1,366/yr

Customer satisfaction

656/1,000

Why State Farm made our list: In addition to below-average rates in Wyoming, State Farm may be one of the best companies for customer service, as evidenced by its stellar performance in the J.D. Power 2023 U.S. Auto Insurance Study. Although Wyoming is remote and rugged, State Farm has plenty of local agents throughout the state, which could appeal to drivers who prefer to do business with an agent who also lives in their community.

Read full State Farm Insurance review
Pros
Policyholders are able to manage their policy through their local agency, a contact center and State Farm’s mobile app

State Farm is the largest auto insurer in the country by market share, with a A++ (Superior) financial strength rating from AM Best
Cons
No gap insurance

Accident forgiveness is not available for purchase

Allstate

Best for bundling

3.9

Read Allstate review Get a quote

Avg. full coverage premium

$162/mo

Avg. full coverage premium

$1,941/yr

Customer satisfaction

626/1,000

Why Allstate made our list: Allstate tied in our 2023 Bankrate Awards for Best Home Insurance Company Overall, making it a potentially appealing option for drivers who want to bundle their auto coverage with home or renters. The carrier offers 24/7 customer service, and the company's website features state-of-the-art tools such as Allstate’s online disaster help center. This may come in handy for Wyomingites since the state experiences a wide range of natural disasters, including wildfires, tornadoes, blizzards and earthquakes.

Read full Allstate Insurance review
Pros
Strong digital presence via mobile app and online policy portal

24/7 customer service
Cons
Higher-than-average premiums

Scored second-to-last for overall customer satisfaction in the Northwest region, according to J.D. Power

Farmers

Best for coverage add-ons

3.8

Read Farmers review Get a quote

Avg. full coverage premium

$126/mo

Avg. full coverage premium

$1,511/yr

Customer satisfaction

641/1,000

Why Farmers made our list: Farmers not only offers some of the cheapest rates in Wyoming, but you can find unique coverage options with this carrier not available with other companies, including new car replacement, spare parts coverage, original equipment manufacturer (OEM) coverage and more. Depending on your needs, you might be able to tailor a robust policy at a price you can afford.

Read full Farmers Insurance review
Pros
Scored in second place in the J.D. Power 2023 U.S. Digital Experience Study for shopping

Average rates are some of the lowest in Wyoming
Cons
Scored below average in the Northwest region for customer satisfaction in the most recent J.D. Power Auto Insurance Study

Digital tools may be lacking — Farmers scored third-from-last in the J.D. Power 2023 U.S. Insurance Digital Experience Study for service

How Bankrate chose the best car insurance companies in Wyoming

To find the best car insurance in Wyoming, we first analyzed average premiums for some of the largest insurers in the state. However, our industry experience has taught us that the best isn’t necessarily the cheapest. To identify the top carriers, we evaluated metrics such as digital tool availability, coverage options, corporate sustainability initiatives and more. We then translated this data into our proprietary Bankrate Score, ranging from 0.0 to 5.0. The higher a company’s score, the better it fared. By creating our Bankrate Score, we hope to give our readers a fast and simple way of evaluating insurance companies as they shop for new coverage.

Why you can trust Bankrate

Read our full methodology

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

years of industry experience

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.

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How to find the best car insurance in Wyoming

A robust yet affordable car insurance policy is essential for financial protection. When shopping for the best car insurance in Wyoming, these are some things to consider that can help you find the right provider for you:

Car insurance is required to drive on public roads in almost every state, Wyoming included. Although it’s impossible to purchase a Montana car insurance policy with coverage below the state minimum required limits, knowing how much these minimum limits are may help give you a baseline when building your coverage package. Besides, knowing what insurance you’re required to carry may be an important part of being a responsible driver.
When you finance a vehicle, you are almost always required to carry comprehensive and collision (also called full coverage). If you’re leasing, you may have to carry higher liability limits — usually 100/300/50 — in addition to full coverage. To avoid expensive force-placed insurance, you may want to carefully review your vehicle contract to ensure you’re meeting the terms of your loan or lease.
47 percent of Wyomingites live on the “frontier,” which government agencies define as a region with fewer than six people per square mile. The state’s remote and mountainous roads can make routine car trouble a much bigger hassle. With that in mind, you may want to consider add-on coverage like roadside assistance and car rental reimbursement to your policy. Wyoming has a sparse public transit system, so if your car is being repaired due to a covered claim, renting a car is likely your best option.

How much is car insurance in Wyoming

Full coverage car insurance in Wyoming is much cheaper annually than the national average cost of car insurance. While the national average premium for a full coverage car insurance policy is $2,678 per year, Wyoming’s average is only $1,759 per year. Minimum coverage is also cheaper in Wyoming, averaging $263 per year. In comparison, the national average cost for this same policy is $799.

Auto insurance in Wyoming is also cheaper than in some of its neighboring states, namely Montana to the north and Colorado to the south. In Montana, the average annual cost of insurance is $2,422 for full coverage and $404 for minimum coverage. In Colorado, average rates are even higher at $3,212 and $587, respectively.

Wyoming’s relatively inexpensive premiums could be partly due to its low population density, which usually leads to fewer accidents and comprehensive claims due to theft and vandalism. The state also has a fairly low cost of living, which may make repairs cheaper. However, Wyoming's rates might be even lower if its drivers didn’t have to contend with treacherous road conditions during harsh winter weather.

City	Avg. annual full coverage premium	Avg. savings vs. state average
Lonetree	$1,718	-2%
Lyman	$1,718	-2%
Pinedale	$1,776	+1%
Point Of Rocks	$1,680	-5%
Farson	$1,679	-5%
Garrett	$1,754	-0%
Yellowstone National Park	$1,742	-1%
Elk Mountain	$1,667	-5%
Walcott	$1,667	-5%
Casper	$1,675	-5%
Hiland	$1,677	-5%
Banner	$1,655	-6%
Deaver	$1,742	-1%
Kaycee	$1,739	-1%
Linch	$1,728	-2%
Mills	$1,668	-5%
Powder River	$1,668	-5%
Devils Tower	$1,853	+5%
Bondurant	$1,775	+1%
Baggs	$1,669	-5%
Frannie	$1,742	-1%
Shell	$1,743	-1%
Arapahoe	$1,725	-2%
Fort Washakie	$1,753	-0%
Saint Stephens	$1,745	-1%
Story	$1,655	-6%
Wolf	$1,673	-5%
Rock Springs	$1,680	-5%
Evanston	$1,718	-2%
Jackson	$1,797	+2%
Kemmerer	$1,780	+1%
Big Piney	$1,778	+1%
Smoot	$1,780	+1%
Savery	$1,669	-5%
Lovell	$1,742	-1%
Powell	$1,742	-1%
Wapiti	$1,742	-1%
Douglas	$1,772	+1%
Robertson	$1,726	-2%
Superior	$1,716	-2%
Opal	$1,780	+1%
Thayne	$1,780	+1%
Medicine Bow	$1,669	-5%
Emblem	$1,742	-1%
Greybull	$1,742	-1%
Ten Sleep	$1,754	-0%
Aladdin	$1,853	+5%
Four Corners	$1,853	+5%
Wright	$1,813	+3%
Arvada	$1,694	-4%
Saddlestring	$1,728	-2%
Moose	$1,794	+2%
Kelly	$1,792	+2%
Cokeville	$1,780	+1%
Grover	$1,780	+1%
La Barge	$1,780	+1%
Fort Bridger	$1,718	-2%
Mountain View	$1,683	-4%
Freedom	$1,780	+1%
Burlington	$1,742	-1%
Meeteetse	$1,759	+0%
Upton	$1,853	+5%
Cheyenne	$1,861	+6%
Lingle	$1,829	+4%
Clearmont	$1,681	-5%
Parkman	$1,658	-6%
Ranchester	$1,649	-6%
Hanna	$1,667	-5%
Fort Laramie	$1,829	+4%
Rock River	$1,754	-0%
Huntley	$1,812	+3%
Saratoga	$1,669	-5%
Byron	$1,742	-1%
Cody	$1,742	-1%
Ralston	$1,742	-1%
Crowheart	$1,742	-1%
Lander	$1,733	-1%
Pavillion	$1,722	-2%
Shirley Basin	$1,665	-5%
Lysite	$1,738	-1%
Cora	$1,773	+1%
Green River	$1,676	-5%
Reliance	$1,680	-5%
Sinclair	$1,667	-5%
Thermopolis	$1,745	-1%
Kinnear	$1,725	-2%
Edgerton	$1,685	-4%
Glenrock	$1,782	+1%
Recluse	$1,840	+4%
Dixon	$1,669	-5%
Hyattville	$1,743	-1%
Manderson	$1,743	-1%
Otto	$1,742	-1%
Dubois	$1,742	-1%
Arminto	$1,668	-5%
Evansville	$1,685	-4%
Natrona	$1,668	-5%
Shoshoni	$1,717	-2%
Beulah	$1,853	+5%
Gillette	$1,824	+4%
Moorcroft	$1,853	+5%
Osage	$1,853	+5%
Rozet	$1,840	+4%
Sheridan	$1,649	-6%
Leiter	$1,673	-5%
Etna	$1,780	+1%
Fairview	$1,780	+1%
Wamsutter	$1,680	-5%
Worland	$1,754	-0%
Alva	$1,853	+5%
Hulett	$1,853	+5%
Sundance	$1,853	+5%
Cowley	$1,742	-1%
Riverton	$1,725	-2%
Hudson	$1,753	-0%
Centennial	$1,754	-0%
Laramie	$1,754	-0%
Lagrange	$1,822	+4%
Torrington	$1,829	+4%
Van Tassell	$1,829	+4%
Veteran	$1,812	+3%
Encampment	$1,669	-5%
Basin	$1,742	-1%
Little America	$1,676	-5%
Wilson	$1,797	+2%
Daniel	$1,775	+1%
Buford	$1,754	-0%
Burns	$1,862	+6%
Hillsdale	$1,862	+6%
Horse Creek	$1,862	+6%
Afton	$1,780	+1%
Frontier	$1,780	+1%
Kirby	$1,743	-1%
Alcova	$1,668	-5%
Newcastle	$1,853	+5%
Big Horn	$1,649	-6%
Buffalo	$1,723	-2%
Bosler	$1,754	-0%
Granite Canon	$1,860	+6%
Chugwater	$1,812	+3%
Moran	$1,790	+2%
Bedford	$1,780	+1%
Diamondville	$1,780	+1%
Lost Springs	$1,808	+3%
Rawlins	$1,669	-5%
Midwest	$1,685	-4%
Weston	$1,840	+4%
Dayton	$1,658	-6%
Wyarno	$1,649	-6%
Boulder	$1,778	+1%
Albin	$1,862	+6%
Hartville	$1,812	+3%
Lusk	$1,829	+4%
Shawnee	$1,782	+1%
Yoder	$1,812	+3%
Jelm	$1,754	-0%
Glendo	$1,839	+4%
Guernsey	$1,812	+3%
Jay Em	$1,829	+4%
Lance Creek	$1,853	+5%
Bairoil	$1,675	-5%
Fe Warren Afb	$1,862	+6%
Carpenter	$1,862	+6%
Meriden	$1,862	+6%
Jeffrey City	$1,751	-0%
Pine Bluffs	$1,862	+6%
Tie Siding	$1,754	-0%
Manville	$1,827	+4%
Alta	$1,794	+2%
Wheatland	$1,829	+4%
Hawk Springs	$1,812	+3%
Granger	$1,676	-5%
Mc Kinnon	$1,679	-5%
Teton Village	$1,797	+2%
Auburn	$1,780	+1%
Alpine	$1,780	+1%

Estimate your car insurance cost in Wyoming

When looking for the best car insurance in Wyoming, it can be helpful to have a general idea of what you will be paying before you start shopping. Bankrate's handy calculator can help. Answer a few simple questions and you will have a benchmark figure to compare quotes rates against.

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Frequently asked questions

The cheapest Wyoming car insurance depends on your coverage needs and personal rating factors. That said, there are a handful of companies that are known for writing cheap car insurance policies in the state. Your quoted rate will vary from state averages based on your age, gender and credit rating, as well as your car's age, make and model. This is why experts recommend that you compare quotes from several companies to find the cheapest carrier for your circumstances.
Insurance companies require you to supply your vehicle details, like the make, model and year of your car. You will also need to provide personal information, like your Social Security number and address.
Insurers determine your premium based partly on your age. Since young drivers are statistically more likely to be involved in accidents, insurers need to compensate for the increased risk of claims by charging them more for their coverage. There are, however, ways for teen and young adult drivers to save. Rates for young drivers begin to decrease when they enter their twenties, and will continue to go down until they are in their 60s and 70s, when rates may rise slightly to account for an increase in accidents involving senior citizens.
Insurers use a range of factors to determine your car insurance premium rate in Wyoming. Some of these factors are things you can't do anything about, such as your age. Others are factors that you may be able to change. Your driving record, for example, plays a primary role in determining your rate, and you are likely to be eligible for a lower rate if you have a clean driving record with no infractions. Other factors include your auto claim history, the make and model of your car and the coverage options you choose for your policy.

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Bankrate utilizes Quadrant Information Services to analyze March 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Best car insurance in Wyoming for 2025

Best car insurance companies in Wyoming

Geico

Best for digital tools

Overview

Pros and cons

Who Geico may be good for

State Farm

Best for customer service

Overview

Pros and cons

Who State Farm may be good for

Allstate

Best for bundling

Overview

Pros and cons

Who Allstate may be good for

Farmers

Best for coverage add-ons

Overview

Pros and cons

Who Farmers may be good for

How Bankrate chose the best car insurance companies in Wyoming

Compare auto insurance rates

How to find the best car insurance in Wyoming

Consider minimum insurance requirements in Wyoming

Consider lender requirements

Consider your individual needs

Related content:

Average cost of car insurance in Wyoming Previously Read

Cheapest car insurance in Wyoming Previously Read

Driving without insurance in Wyoming Previously Read

How much is car insurance in Wyoming

Estimate your car insurance cost in Wyoming

Calculate your monthly car insurance payment

Frequently asked questions

What is the cheapest car insurance company in Wyoming?

What information is needed to get car insurance in Wyoming?

Why does my age matter for my auto policy?

What factors do insurers use to determine my premium?

Methodology

Bankrate Score