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The Best Car Insurance Companies in Wyoming of 2021

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    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 $1,555, with a full coverage policy averaging $1,335 for drivers in Wyoming. 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* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. 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$1,444.36$414.564.2A+825
    Pin Geico$2,472.59$262.954A++821
    Pin Farmers$1,327.92$344.953.8A813
    Pin State Farm$1,232.94$245.214.8A++844

    Information accurate as of July 2021

    *Data provided by Coverage.com

    **J.D. Power 2021 Auto Insurance Satisfaction Study for the Northwest region. Based on a 1,000-point scale.

    Allstate

    Best for Add-on Coverage

    Why we chose it

    Allstate has numerous coverage options so drivers can customize their Wyoming car insurance policy to fit their lifestyle, driving habits, and budget.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $414.56* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 825** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate has numerous coverage options so drivers can customize their Wyoming car insurance policy to fit their lifestyle, driving habits, and budget.

    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
    • Only write 6- or 12-month policies
    Read More

    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

    Geico

    Best for Customer Satisfaction

    Why we chose it

    Geico proves it not only has strong customer service ratings with the highest score among carriers in the Northwest region, but Geico’s financial ratings are equally impressive with an A++ AM Best rating.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $262.95* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 821** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico proves it not only has strong customer service ratings with the highest score among carriers in the Northwest region, but Geico’s financial ratings are equally impressive with an A++ AM Best rating.

    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
    Read More

    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

    Farmers Insurance

    Best for Discounts

    Why we chose it

    If budget is the most important aspect of purchasing your auto insurance policy, drivers can save on their premiums with Farmers’ long list of available discounts.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $344.95* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate 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.
    • 813** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    If budget is the most important aspect of purchasing your auto insurance policy, drivers can save on their premiums with Farmers’ long list of available discounts.

    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
    Read More

    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

    State Farm

    Best for Cheapest Car Insurance

    Why we chose it

    Based on our data, we found that State Farm offers the cheapest car insurance in Wyoming, a boon for budget-conscious drivers who want low premiums.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $245.21* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 844** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Based on our data, we found that State Farm offers the cheapest car insurance in Wyoming, a boon for budget-conscious drivers who want low premiums.

    Pros

    • Strong financial strength
    • Largest provider of insurance in U.S.
    • Lowest premiums in the state

    Cons

    • Does not offer gap coverage
    • Less coverage options versus competitors
    • Below-average customer satisfaction ratings
    Read More

    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 Coverage.com. Based on state minimum requirements for the state.

    **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 cost for minimum coverage is $264 per year, while a full coverage policy averages $1,334.

    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 3 Cheapest Car Insurance Companies in Wyoming

    CompanyAverage Annual Premium
    State Farm$245.21
    Geico $262.95 
    Metropolitan$312.67

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 2 Most Expensive Car Insurance Companies in Wyoming

    CompanyAverage Annual Premium
    Allstate$414.56
    Farmers$344.95

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Wyoming

    CityAverage Annual Premium*
    Sheridan$343.35
    Evanston$356.23
    Rawlins$356.90

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Wyoming

    CityAverage Annual Premium*
    Cheyenne$443.28
    Casper$443.07
    Gillette$402.15

    * Data provided by Coverage.com, price based on the state minimum required policy.

    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’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 scores products, services, and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Wyoming, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Wyoming, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100K bodily injury liability per person
    • $300K bodily injury liability coverage per crash
    • $100K property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    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.

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