Reviews Report
- Geico, Allstate, Farmers, and State Farm are Reviews.com best car insurance companies in Wyoming while also providing competitive rates.
- Geico is Reviews.com’s best auto insurance company based on our evaluations for customer satisfaction, financial ratings, coverage options, and discounts.
- These top car insurance companies all offer robust digital assets, including highly-rated mobile apps for complete policy management at your fingertips.
Wyoming car insurance rates are well-below the national average of $1,674, with a full coverage policy averaging $1,495 per year for drivers in Wyoming, according to 2021 data from Bankrate.com. Several auto insurance carriers offer even more competitive rates while also emphasizing strong customer service ratings, numerous coverage options, and a wide range of premium discounts.
Allstate, Geico, Farmers, and State Farm all rank among the best in the state, not only for cheap auto insurance in Wyoming, but for other categories such as customer satisfaction and financial strength.
The 4 Best Auto Insurance Companies in Wyoming
- Allstate: Best Wyoming Car Insurance for Add-On Coverage
- Geico: Best Wyoming Car Insurance for Customer Satisfaction
- Farmers: Best Wyoming Car Insurance for Discounts
- State Farm: Best for Cheap Car Insurance in Wyoming
Compare the Best Car Insurance Companies in Wyoming
| Full Coverage Annual Premium* | State Minimum Annual Premium* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Overall Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Allstate | $1,675 | $396 | A+ | 825 | |
| Pin Geico | $1,872 | $189 | A++ | 821 | |
| Pin Farmers | $1,309 | $305 | A | 813 | |
| Pin State Farm | $1,234 | $233 | A++ | 844 |
Information accurate as of July 2021
*Data provided by Bankrate.com
**J.D. Power 2021 Auto Insurance Satisfaction Study for the Northwest region. Based on a 1,000-point scale.
Best for Add-on Coverage
Why we chose it
Why we chose it
Pros
- Highly customizable policy options
- Drivewise app adds discounts automatically
- Highly-rated mobile app for policy management
Cons
- Higher premiums than competitors
- Below-average customer satisfaction
Additional Coverage
- New car replacement
- Accident forgiveness
- Sound system coverage
- Roadside assistance
- Personal injury protection
- Rideshare insurance
Discounts Available
- Anti-lock brakes
- Pay in full
- Responsible payer
- Smart student
- Drivewise® program
- New car
More Allstate Insurance Reviews
Best for Customer Satisfaction
Why we chose it
Why we chose it
Pros
- Numerous coverage options
- Over a dozen discounts
- Highly-rated digital assets including mobile app
Cons
- Discounts not available in all states
- Lack of local agent network
- Does not offer gap coverage
Additional Coverage
- Rental car reimbursement
- Mechanical breakdown
- Comprehensive
Collision - Emergency roadside assistance
- Classic car coverage
- Mexico trip coverage
Discounts Available
- Military
- Alumni/group affiliation
- Safety equipment
- Driver safety
- New vehicle
- Good student
- Emergency deployment
- Seatbelt use
- Defensive driver course
More Geico Insurance Reviews
Best for Discounts
Why we chose it
Why we chose it
Pros
- Numerous coverage options
- Wide variety of discounts
- Accident forgiveness and new car replacement coverage
Cons
- Not available in all 50 states
- Gap insurance not available
- Must purchase through an agent or customer service
Additional Coverage
- Towing & roadside service
- Rental reimbursement
- Rideshare
- Loss of use
- Guaranteed value
- Customized equipment
- Personal umbrella
- Glass deductible buyback
- Full windshield and glass coverage
- Spare parts coverage
- Original equipment manufacturer
- New car replacement
- Accident forgiveness
Discounts Available
- Multi-line
- Young driver discounts
- Shared family car
- Mature driver
- Homeowner
- Autopay
- Paid in full
- Vehicle safety features
More Provider Insurance Reviews
Best for Cheapest Car Insurance
Why we chose it
Why we chose it
Pros
- Strong financial strength
- Largest provider of insurance in U.S.
- Lowest premiums in the state based on Bankrate’s data
Cons
- Does not offer gap coverage
- Less coverage options versus competitors
- Below-average customer satisfaction ratings
Additional Coverage
- Rental car and travel expenses coverage
- Roadside assistance coverage
- Rideshare driver coverage
Discounts Available
- Policy bundling
- Accident-free
- Defensive driving course
- Good driver
- Vehicle safety
- Anti-theft device
More State Farm Insurance Reviews
*Data provided by Bankrate.com.
**J.D. Power 2021 Auto Insurance Satisfaction Study for the Northwest region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in Wyoming
The great news for drivers in this state is that Wyoming auto insurance rates are some of the least expensive in the United States. The average annual cost for minimum coverage is $271, while a full coverage policy averages $1,495 per year, according to Bankrate.com’s 2021 data. For comparison, the national average annual premium for minimum coverage is $565, and full coverage is $1,674 annually.
One likely reason for lower auto insurance rates in the state is the low population. Since Wyoming is the least populated state in the U.S., it contributes to a lower number of traffic accidents, which helps keep rates more competitive. However, rates are based on individual profiles, including your age, zip code, credit score, vehicle, and driving history, and several other factors.
Top 2 Cheapest Car Insurance Companies in Wyoming
| Company | Average Annual Full Coverage Premium* |
| State Farm | $1,234 |
| Farmers | $1,309 |
*Data provided by Bankrate.com
Top 2 Most Expensive Car Insurance Companies in Wyoming
| Company | Average Annual Full Coverage Premium* |
| Allstate | $1,675 |
| Geico | $1,872 |
* Data provided by Bankrate.com
Top 3 Cheapest Cities for Car Insurance in Wyoming
| City | Average Annual Full Coverage Premium* |
| Sheridan | $1,410 |
| Ranchester | $1,410 |
| Wyarno | $1,410 |
* Data provided by Bankrate.com
Top 3 Most Expensive Cities for Car Insurance in Wyoming
| City | Average Annual Full Coverage Premium* |
| Ranchettes | $1,577 |
| Warren AFB | $1,577 |
| Pine Bluffs | $1,577 |
* Data provided by Bankrate.com
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
- In 2019, there were a total of 14,885 car crashes in Wyoming.
- Of those car crashes in Wyoming, 3,267 were related to speeding drivers.
- In 2019, 38% of the fatalities in car crashes did not have restraint equipment (seatbelt) used.
Wyoming’s Minimum Insurance Requirements
Wyoming has minimum insurance requirements like almost every other state in the country. Driving legally as a resident of the state of Wyoming means you are required to adhere to The minimum liability requirements of 25/50/20. If you fail to meet these minimum requirements, it can result in a suspension of your license.
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.
As for average pricing, we used Bankrate.com’s data of car insurance in Wyoming, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $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.
About the Authors
Sara Coleman is a personal finance freelance writer based in Charlotte, NC. A Journalism Major who studied at the University of Georgia, she enjoys creating approachable content. She’s written for sites such as WorkingMother, BetterYouMag, and SmartMoneyMamas. She loves spending time with her husband and 3 kids, and has a healthy obsession with coffee.
