Low-cost car insurance in Wyoming

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American National provides the lowest car insurance rates in Wyoming at $827 a year. The average premium is $165 per month in Wyoming, though your actual rate may vary.

Car insurance requirements differ by state. In Wyoming, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

American National has the lowest average car insurance premium in Wyoming, costing $827 per year. That’s $1,157 the state average.
For drivers with an at-fault accident on record, American National offers the most affordable coverage at around $1,383 annually.
The 82007 ZIP code stands out as the cheapest area for auto insurance in Wyoming, with an average yearly cost of $1,877.

Low-cost car insurance companies in Wyoming

American National offers the lowest car insurance rates in Wyoming, with an average annual premium of $827 per year. It’s $1,157 less expensive than the average car insurance cost in Wyoming. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

Company	Average annual rates
American National	$827
Farmers	$1,623
State Farm	$1,641
Allstate	$3,159
GEICO	$3,211
USAA*	$1,441

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Wyoming

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Wyoming

Drivers in the 82007 ZIP code pay the lowest average annual premium in Wyoming, at $1,877. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
82007	Cheyenne	$1,877
82001	Cheyenne	$1,879
82009	Cheyenne	$1,879
82801	Sheridan	$1,921
82833	Big Horn	$1,921
82839	Ranchester	$1,921
82845	Wyarno	$1,921
82604	Casper	$1,923
82609	Casper	$1,923
82644	Mills	$1,923

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Wyoming by city

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Low-cost car insurance in Wyoming by age

Teen drivers in Wyoming pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $4,161 more than a 40-year-old driver in Wyoming.

The table below shows low-cost car insurance rates for drivers of different ages.

Age group	Full coverage annual premiums
Teens (16-19)	$5,453
Young Adults (20-24)	$3,176
Adults (25-60)	$1,953
Seniors (65-75)	$2,088

Low-cost car insurance in Wyoming by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Wyoming

One speeding ticket in Wyoming can cause your insurance rates to jump by 40%, or roughly $794 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
American National	$827	$1,193	44%	$366
State Farm	$1,641	$1,773	8%	$132
Farmers	$1,623	$2,288	41%	$665
Allstate	$3,159	$3,603	14%	$444
GEICO	$3,211	$6,376	99%	$3,165
USAA*	$1,441	$1,633	13%	$192

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Wyoming

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. American National is the lowest-cost option for these drivers, with an average annual premium of $1,383.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
American National	$827	$1,383	67%	$557
State Farm	$1,641	$1,904	16%	$263
Farmers	$1,623	$2,285	41%	$662
Allstate	$3,159	$4,317	37%	$1,158
GEICO	$3,211	$4,825	50%	$1,614
USAA*	$1,441	$1,822	26%	$381

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Wyoming

A DUI often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in Wyoming keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
American National	$827	$1,565	$738	89%
State Farm	$1,641	$1,773	$132	8%
Farmers	$1,623	$3,620	$1,997	123%
Allstate	$3,159	$3,899	$740	23%
GEICO	$3,211	$8,238	$5,027	157%
USAA*	$1,441	$2,611	$1,170	81%

*USAA is only available to military community members and their families.

Average cost of car insurance Wyoming

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In Wyoming, the average cost of full coverage is $529 less compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Wyoming, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Wyoming.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Wyoming. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.