Reviews Report

• State Farm, Geico, Progressive, Allstate, American Family, Farmers, Travelers, and USAA (for eligible military families) are strong choices for Wyoming drivers, often pairing broad availability with competitive pricing depending on your profile. 
• State Farm and Geico frequently surface among the lowest-cost options in Wyoming, while USAA often leads for eligible households; each maintains strong financial strength ratings. Comparing multiple quotes remains essential to find your best rate.
• These top car insurance companies offer robust digital tools and telematics (usage-based) programs that can help safe, low‑mileage drivers save amid elevated 2024–2025 premiums.

Wyoming car insurance rates remain below the U.S. average, but prices have risen since 2021. In 2025, full coverage typically averages about $1,450–$1,600 per year and minimum coverage about $300–$400 per year, depending on the source and methodology, per Bankrate and NerdWallet; broader market snapshots show similar levels (The Zebra). Elevated premiums reflect higher claim severity and insurance inflation tracked by the BLS CPI.

State Farm, Geico, Progressive, Allstate, American Family, Farmers, Travelers and USAA (if eligible) rank among the best fits for many Wyoming drivers. Consider rate stability, discounts (especially telematics), financial strength, and service when comparing quotes.

The 4 Best Auto Insurance Companies in Wyoming

• Allstate: Best for add‑on coverage and telematics savings
• Geico: Best for low premiums and an easy digital experience
• Farmers: Best for agent support and bundling/discounts
• State Farm: Best for cheap rates and a strong local agent network

Table figures reflect earlier 2021 snapshots; see updated 2025 averages and sources below.

*Recent averages sourced from Bankrate, NerdWallet and The Zebra.

**J.D. Power 2025 U.S. Auto Insurance Study for the Northwest region. Based on a 1,000-point scale.

*Updated averages sourced from Bankrate, NerdWallet and The Zebra.

**J.D. Power 2025 U.S. Auto Insurance Study for the Northwest region. Based on a 1,000-point scale.

The Average Cost of Car Insurance in Wyoming

Wyoming remains one of the more affordable states for auto insurance. In 2025, average annual premiums for full coverage generally fall around $1,450–$1,600 (about $120–$135 per month), while minimum coverage averages roughly $300–$400 (about $25–$35 per month), per analyses from Bankrate, NerdWallet and The Zebra. Methodologies vary by source, so treat these as directional benchmarks rather than exact quotes.

Lower population density and traffic congestion help keep Wyoming’s rates below national averages, though premiums have risen since 2021 amid higher repair and medical costs. Your rate depends on individual factors like age, ZIP code, credit tier, vehicle, coverage limits and driving history. For context on recent premium inflation, see the BLS Consumer Price Index for motor vehicle insurance.

Top 2 Cheapest Car Insurance Companies in Wyoming

*Data sources: Bankrate (WY) and The Zebra (WY); figures vary by methodology and profile.

Top 2 Most Expensive Car Insurance Companies in Wyoming

* Use recent state snapshots from Bankrate and The Zebra as directional guides; company rankings differ by profile.

Top 3 Cheapest Cities for Car Insurance in Wyoming

* Estimates based on recent analyses (e.g., The Zebra’s Wyoming page); actual premiums vary by ZIP and driver profile.

Top 3 Most Expensive Cities for Car Insurance in Wyoming

* Estimates based on recent city comparisons (e.g., The Zebra – Wyoming); your rate will vary.

Wyoming Car Insurance: What You Need to Know

Because of the availability of cheap car insurance rates in Wyoming, there are multiple affordable options for drivers in the state. Shopping around and comparing rates is the best way to find the least expensive rates for the most robust auto insurance coverage your budget can afford. 

Key takeaways regarding car insurance in Wyoming

• Wyoming recorded 124 motor-vehicle fatalities in 2022 (final data), with high per‑capita and per‑VMT fatality rates versus U.S. averages (IIHS state fatality statistics).
• Observed seat belt use was about 78% in 2023, well below the national rate, and a majority of occupant fatalities typically involve unrestrained occupants (IIHS seat belt use by state).
• Nationally, fatalities declined modestly in 2023; for the latest Wyoming provisional counts and factor breakdowns (alcohol, speed, restraint use), see NHTSA’s State Traffic Safety Information (STSI) dashboard.

Wyoming’s Minimum Insurance Requirements 

Wyoming requires liability insurance to drive legally. The minimum liability limits are 25/50/20 (at least $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage). Uninsured motorist (UM) coverage is included by default and may be rejected in writing. Failure to maintain required coverage can lead to fines, license/registration consequences, and possible SR‑22 filing requirements with WYDOT (suspension FAQs; see also WYDOT SR‑22).

Minimum liability required in the state of Wyoming is divided as follows:

• $25,000 bodily injury coverage per person.
• $50,000 bodily injury coverage per accident.
• $20,000 for property damage.

Wyoming’s At-Fault Law

Wyoming is considered an at-fault state, as opposed to a no-fault. This means someone must be determined to be at fault for an accident. The at-fault driver and their insurance company must cover the expenses related to injuries and property damage sustained from the accident, which is another reason why adequate insurance coverage is essential for additional financial protection.

Additional Car Insurance Coverage in Wyoming

• Additional liability coverage: Liability coverage provides financial protection in case you’re involved in a lawsuit as a result of an accident ruled your fault.
• Uninsured/underinsured motorist: If you’re involved in an accident with someone who does not have insurance, or not enough, this optional coverage helps pay towards your medical expenses, lost wages, and possibly funeral expenses.
• Personal injury protection (PIP): No matter who is ruled “at-fault” in a car accident, this coverage helps pay your medical expenses, lost wages, additional support (such as house cleaning if you’re injured), and possibly funeral expenses.
• Roadside assistance: This optional coverage provides additional protection for you in case you find your car inoperable — whether you need gas, towing, a tire change, or battery jump, roadside assistance gets you back on the road.

Wyoming Car Insurance FAQ 

Methodology 

Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers. 

For current pricing context, we referenced 2025 quote-based datasets from Bankrate (Wyoming), NerdWallet and The Zebra (Wyoming). These modeled averages differ from NAIC’s historical “average expenditure” figures; for statewide historical context, see the NAIC Auto Insurance Database Report.

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. 

These are sample rates and should only be used for comparative purposes.

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