Wyoming’s lowest car insurance rates in 2023

Note from the editor: Perhaps you are looking for car insurance for your first time, or want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be […]

Note from the editor: Perhaps you are looking for car insurance for your first time, or want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.

Outdoor enthusiasts and history buffs (hello Yellowstone!) Wyoming offers plenty of adventure opportunities. Are you sure you are getting the best car insurance value when you get on the road?

To calculate the average cost of car insurance in Wyoming, we looked at the estimated rates offered by Wyoming insurance companies to determine which insurers provide the lowest basic coverage rates for various driver profiles and needs.

We used a fairly neutral driver profile to make comparisons between companies. This means that there were no claims, tickets, or accidents. Rates may vary depending on your driving record, as well other factors such as your age, vehicle type and mileage, and the coverage you select.

Continue reading to find out about Wyoming’s average auto insurance rates. We also have our findings on the best options for minimal coverage.

Car insurance costs in Wyoming

The average monthly premium for Wyoming car insurance is just over $30. Basic coverage costs are around $57. This depends on what type of coverage you choose and who the driver is.

Wyoming’s average monthly auto insurance premiums

Driver and coverage	Avg. Monthly cost
Wyoming has a minimum state-minimum auto insurance	$30.49
Wyoming drivers with bad credit	$46.23
Wyoming Drivers with Multiple Claims	$56.83
Young drivers in Wyoming	$50.44

Wyoming’s cheapest car insurance companies

For most drivers, USAA and Geico were the most affordable minimum-coverage policies. These rates were calculated using a particular driver profile as described in our methodology to provide a baseline comparison.

Except where noted, the Wyoming driver is between 36-45 years old, has credit scores between 680-719, drives a car valued between $20,000-$30,000, and has never been charged for any coverage gaps. You might be one of them. Continue reading: We searched for the best car insurance companies that would offer affordable coverage for drivers of different credit scores, ages, and credit histories.

1. USAA

USAA provides basic coverage car insurance at a low $17.79 per month for Wyoming drivers. USAA membership is required to be eligible for car insurance. In addition to basic insurance, USAA offers optional coverage options like comprehensive, collision, liability and uninsured/underinsured motorist, plus a range of discounts for good grades, safe driving, automatic payments and bundling your policies.

Review USAA auto insurance.

2. Geico

Geico could offer basic coverage for Wyoming drivers for as low $19.42 per monthly. Geico offers an impressive array of standard and bonus coverage options as well as a variety of discounts. Geico’s mobile app is a great option for tech-savvy customers. They can access their policy, get ID cards and request roadside assistance.

See reviews about Geico auto insurance.

3. American National P&C

American National could provide minimum-coverage insurance to Wyoming drivers for as low as $23.50 per monthly. Customers who purchase comprehensive or additional collision coverages can get free rental cars and generous reimbursements for custom equipment.

4. State Farm

State Farm may offer Wyoming drivers basic coverage car insurance for as low $26.13 per monthly. State Farm offers additional coverages such as collision and comprehensive insurance, rental reimbursements, emergency roadside assistance and rideshare insurance. Customers can also save money by taking advantage of several discount options such as safe driver discounts, vehicle equipment discounts, and discounts when bundling multiple policies or vehicles.

See reviews about State Farm auto insurance.

5. Metropolitan

Our Wyoming driver profile could get car insurance as low as $35.75 per monthly with Metropolitan for minimum coverage. Additional coverage options at Metropolitan include comprehensive, collision, medical expense, family compensation, liability, property damage, bodily injury, uninsured/underinsured motorist, personal injury protection and towing and labor.

Wyoming’s lowest-cost state-minimum auto insurance

Many states require drivers to have minimum amounts of property and bodily injury insurance. Wyoming’s 25/50/20 insurance is the most affordable option available at most insurers.

These five companies might offer basic coverage car insurance in Wyoming for Wyoming residents who only need state-minimum coverage.

Wyoming’s cheapest car insurance companies for state-minimum coverage

1	USAA	$17.79/month
2	Geico	$19.42/month
3	American National P&C	$23.50/month
4	State Farm	$26.13/month
5	Metropolitan	$35.75/month

Best car insurance for people with good credit in Wyoming

When it comes to car insurance costs, your credit is only one piece. Drivers with good credit are more likely to pay less for car insurance than those with bad credit.

These companies offer the lowest rates for minimum coverage to drivers with good credit.

Wyoming’s cheapest car insurance for people with good credit

1	USAA	$13.76/month
2	Geico	$16.75/month
3	American National P&C	$20.11/month
4	State Farm	$22.06/month
5	Metropolitan	$27.92/month

Lowest car insurance in Wyoming for people with poor credit

This could mean that drivers with poor credit ratings may find their car insurance premiums higher. There are ways you can lower your premium. One way is to keep a clean driving record.

These five insurers may offer basic insurance for drivers with bad credit.

Wyoming’s cheapest car insurance for people with bad credit

1	Geico	$25.08/month
2	American National P&C	$30.46/month
3	USAA	$39.94/month
4	State Farm	$41.90/month
5	Farmers	$47.38/month

Cheapest car Insurance for Drivers with Multiple Claims in Wyoming

If you have had multiple insurance claims, your rates may be higher.

These companies offer the lowest rates for minimum coverage for drivers who have made multiple claims to insurance companies.

5 Best Wyoming Car Insurance Companies for Multiple Claims

1	USAA	$32.58/month
2	Geico	$38.58/month
3	State Farm	$43.25/month
4	American National P&C	$49.67/month
5	Farmers	$77.92/month

Cheapest insurance for young drivers in Wyoming

Insurance companies believe that younger drivers are more risky than older drivers. This means that younger drivers and other drivers with less experience may be more costly policies.

These companies offer the lowest basic-coverage rates to young drivers aged 18-21.

The cheapest Missouri car insurance companies for young drivers

1	Geico	$28.25/month
2	USAA	$31.04/month
3	American National P&C	$43.67/month
4	State Farm	$46.04/month
5	Allstate	$65.43/month

Wyoming insurance requirements

Wyoming’s minimum requirements are $25,000 per person, $50,000 per accident of bodily injuries liability, and $20,000 in property damage insurance. Your coverage obligations may be greater if you have a car lease or loan.

Use-based insurance is available in Wyoming

Usage-based vehicle insurance allows customers to pay premiums according to their driving habits. Wyoming drivers can save money on car insurance by enrolling in UBI programs offered by their insurers.

FAQs regarding the lowest car insurance rates in Wyoming

Methodology

Based on a Wyoming driver profile, the estimated rates for minimum coverage are the lowest. The rates shown assume that there is only one driver on the policy, with no driving tickets and no coverage lapses. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and has an annual value between $20,000 and $30,000 Rates for insurance for good credit are based on scores of 720 and higher. Rates for insurance for people with poor credit range from 350 to 579. The estimated rates for young drivers are those between 18 and 21 years old. Multiple claims can lead to multiple rates.

Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and are not intended to be used as a comparison or frame of reference. Rates can vary depending on many factors such as vehicle driving habits, age, and past history.

Full coverage car insurance covers bodily injury, property damages, personal injury protection, collision, and comprehensive coverages. Wyoming’s 25/50/20 insurance policy is included in the average monthly premium for car insurance with minimum coverage.