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Last updated on Apr 08, 2020

Best Wyoming Car Insurance Companies

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    Wyoming resides on the lower end of average auto insurance premiums across the country. Being the most sparsely populated state after Alaska is a major contributor to its reduced accident rates and lower premiums. 

    Based on in-depth research, we found State Farm to be the best company for car insurance in Wyoming but we’ve also included some other companies that offer quality policies.

    The 5 Best Car Insurance Companies in Wyoming

    Quadrant car insurance rate data as of 07/01/2019.

    State Farm

    Best Companies For
    Wyoming Auto Insurance
    State Farm
    State Farm


    Pros

    • Strong online platform
    • Impressive claims satisfaction scores

    Cons

    • Buggy mobile app

    With the highest ratings and competitive premium averages, State Farm was an easy top choice for Wyoming drivers. Additionally, State Farm has one of the best online platforms in the auto insurance industry. Log in to the platform to learn about your policy, pay your bill, file a claim, and more.

    The same can’t be said of its mobile app, unfortunately. Though the app receives 5/5 stars on the App Store and 4/5 on Google Play, many users frequently report a buggy experience. However, when it comes to overall claims satisfaction, State Farm truly shines. 

    Farmers Insurance

    Best Companies For
    Wyoming Auto Insurance
    Farmers
    Farmers


    Pros

    • Great coverage options
    • High number of agents

    Cons

    • Lack of online resources

    You can choose from a variety of coverage options with Farmers Insurance, and it’s easy to be selective so you don’t overpay. Once you choose, it’s also easy to manage your policy online. With agents in all 50 states, customer service is easily accessible. 

    The one drawback to Farmers Insurance is its lack of resources and learning materials for its members. Though it’s easy to do what you need online, resources for understanding a policy are limited. With 24/7 customer support, this is a small setback for an otherwise strong company.  

    GEICO

    Best Companies For
    Wyoming Auto Insurance
    Geico

    Pros

    • Affordable premiums for many drivers
    • Wide array of discounts for members

    Cons

    • Customer support could be better

    GEICO is a well known auto insurance company for good reason (besides the catchy commercials). It offers premiums that most drivers can comfortably afford. Plus, if you move, you can take your auto policy with you since it’s available nationwide.

    Where GEICO doesn’t especially stand out is in customer support. It consistently gets average rankings with customers. However, because it offers so many discounts to policyholders, GEICO remains a good auto insurance option for Wyoming drivers.

    Allstate

    Best Companies For
    Wyoming Auto Insurance
    Allstate
    Allstate


    Pros

    • Offers rideshare coverage
    • Numerous discounts

    Cons

    • Average customer satisfaction

    If you drive for Uber or Lyft, Allstate is one of the few providers who may offer coverage. Allstate also has numerous discounts available to its members so they can reduce their premium.

    Like GEICO, Allstate seems to suffer from average customer satisfaction. For a company of its size though, this is to be expected. When you insure so many people, it’s hard to make everyone happy. To safeguard yourself, make sure you completely understand your policy, or call an agent for clarifications.

    Metropolitan Insurance

    Best Companies For
    Wyoming Auto Insurance
    MetLife
    MetLife


    Metropolitan has a quick and easy quote process, which is a perk for Wyoming drivers who are comparing options. It also offers great discounts to reduce your premium (most notably for consecutive safe driving). 

    In addition, its supplemental coverage is some of the best in the business. For example, should you get into an accident, Metropolitan will offer GAP coverage, meaning it will pay off the remaining loan or lease for your totaled car.

    Like so many auto insurers, Metropolitan Insurance has a buggy app that is in need of a rework. Its online desktop portal is strong though, and its customer service is available over the phone anytime you are in need.

    The Cheapest Car Insurance Companies In Wyoming

    Largest Companies by Market Share in Wyoming
    Average Annual Premium
    Allstate
    $1,168
    GEICO
    $788
    Metropolitan Insurance
    $1,245
    Farmers
    $882
    State Farm
    $713

    Car Insurance by Credit Rating

    Credit Rating Tier
    Average Annual Premium
    Poor
    $1,450
    Below Fair
    $1,212
    Fair
    $1,072
    Average
    $1,021
    Good
    $959
    Excellent
    $772
    Average Across Credit Rating Tiers
    $1,081

    Quadrant car insurance rate data as of 07/01/2019.

    These rates are a sample set meant only for general comparison. Your own premium will vary. Learn how we tested rates for the cheapest car insurance companies below.

    Top 3 Cheapest Car Insurance Companies in Wyoming

    • State Farm – $713
    • Geico – $788
    • Farmers Insurance – $882

    Top 2 Most Expensive Car Insurance Companies in Wyoming

    • Metropolitan Insurance – $1,245
    • Allstate – $1,168

    According to averages, the cheapest auto insurance in Wyoming is State Farm, while the most expensive is Metropolitan Insurance. However, there are a variety of factors that go into calculating what premium you will pay as a policyholder. To get a more accurate, personalized quote, you’ll need to contact the providers directly.

    Guide to Wyoming Car Insurance 

    Wyoming Minimum Liability

    When it comes to auto insurance, an important term to know and understand is liability. Liability, simply stated, means responsibility. Liability in the auto insurance world comes in two forms — property damage and bodily injury. 

    Should you ever be at-fault in an accident, if you have liability insurance, your insurance provider will pay for the other person’s car repair costs and medical expenses.

    In Wyoming, the minimum liability insurance coverage you need to drive your car breaks down as follows:

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

    Consider purchasing more than minimum coverage

    Purchasing just the minimum liability coverage leaves you vulnerable in the event of an accident. Say the crash exceeds the minimum liability of $25,000 in property damage coverage — you’d be stuck footing the bill for the rest of the cost out of pocket. Your safest bet is to purchase the highest amount of auto insurance you can afford, but at the very least, more than just the minimum coverage.

    How We Found the Best Wyoming Car Insurance Companies

    To determine the best companies in Wyoming, we compared based on a variety of factors, including A.M. Best gradings and J.D. Power ratings, coverage availability, average premium amounts, available discounts, and online platforms accessibility and usability.

    We worked with Quadrant Information Services to provide data on auto insurance rates by company and credit score. Quadrant makes this information available using rate data insurers are required to file with state Departments of Insurance. Rates are based on sample profiles created by Reviews.com for comparative purposes.

    Wyoming Car Insurance Companies FAQ

    What are the average car insurance rates in Wyoming?

    The average cost of insurance in Wyoming is around $654.54, but there are many factors involved in auto insurance premiums.

    About the Authors

    Lauren Ward

    Lauren Ward Contributing Writer

    Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.