Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best car insurance in Wyoming for 2023

Written by
Lizzie Nealon
Edited by
Mariah Posey
Updated Mar 16, 2023
Compare car insurance rates
Answer a few questions to discover real rates from top-tier carriers in your area.
Location-Icon
Lock Secure Your information is secure
Select from a variety of trusted carriers
+ MORE
User
Tell us a little about yourself
We’ll only ask for info we’re confident will impact your rate. That way, we can provide you with the most accurate and personalized offers.
Insurance Auto
Choose which policy is best for you
Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you’d like.
Congrats
Lock in your rate and policy details
Once you’re confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that’s it!
Bankrate logo The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our 

On This Page
Savings

Compare rates and save on auto insurance today!

ZIP code
Close X

Best car insurance companies in Wyoming

According to data provided by Quadrant Information Services, the average annual premium for a full coverage car insurance policy in Wyoming is $1,582; minimum coverage averages $263 per year. We also analyzed third-party customer satisfaction scores issued in the J.D. Power 2022 U.S. Auto Insurance Study as well as coverage options and discount availability, among other factors. Based on our in-depth research, you might find the best Wyoming auto insurance from Geico, State Farm, Allstate or Farmers.

Geico
4.4
Bankrate Score
Info
J.D. Power score Northwest region
832
/1,000
Average monthly full coverage premium
$165
Average annual full coverage premium
$1,977
State Farm
4.2
Bankrate Score
Info
J.D. Power score Northwest region
839
/1,000
Average monthly full coverage premium
$106
Average annual full coverage premium
$1,267
Allstate
3.8
Bankrate Score
Info
J.D. Power score Northwest region
811
/1,000
Average monthly full coverage premium
$160
Average annual full coverage premium
$1,918
Farmers
3.8
Bankrate Score
Info
J.D. Power score Northwest region
802
/1,000
Average monthly full coverage premium
$96
Average annual full coverage premium
$1,151
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Geico
4.4
Bankrate Score
Info
J.D. Power score Northwest region
832
/1,000
Average monthly minimum coverage premium
$15
Average annual minimum coverage premium
$176
State Farm
4.2
Bankrate Score
Info
J.D. Power score Northwest region
839
/1,000
Average monthly minimum coverage premium
$18
Average annual minimum coverage premium
$221
Allstate
3.8
Bankrate Score
Info
J.D. Power score Northwest region
811
/1,000
Average monthly minimum coverage premium
$32
Average annual minimum coverage premium
$383
Farmers
3.8
Bankrate Score
Info
J.D. Power score Northwest region
802
/1,000
Average monthly minimum coverage premium
$26
Average annual minimum coverage premium
$306
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best for digital tools

4.4 Bankrate Score
JD Power: 832 AM Best: A++

Average annual premium

$ 1,977 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Geico made our list: Thanks to its highly-rated mobile app, Geico stands apart from the crowd. From digital ID cards (considered legal proof of insurance in Wyoming) to quick claims estimates to adding and removing vehicles, policyholders have the freedom of policy management at their fingertips. You can even keep track of your vehicle’s maintenance schedule on the app through Geico’s partnership with Carfax. Geico’s tech helped it tie for the 2023 Bankrate Award for Best Auto Insurance Company Overall. 

Who Geico may be good for: Geico could be a great option for tech-savvy drivers who don’t mind spending extra for a top-notch mobile app. 

Read full Geico Insurance review

Best for excellent customer service

4.2 Bankrate Score
JD Power: 839 AM Best: A++

Average annual premium

$ 1,267 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why State Farm made our list: Aside from below-average rates in Wyoming, State Farm may be one of the best companies for customer service, as evidenced by its stellar performance in the J.D. Power 2022 U.S. Auto Insurance Study (it scored the highest out of all the companies on this list). Although Wyoming is remote and rugged, State Farm has plenty of local agents throughout the state, which could appeal to drivers who prefer to do business with an agent who also lives in their community. 

Who State Farm may be good for: If you’re looking for superior customer service at an affordable rate, you might want to request a quote from State Farm (as long as you’re okay with sacrificing some coverage options).

Read full State Farm Insurance review

Best for claims satisfaction

3.8 Bankrate Score
JD Power: 811 AM Best: A+

Average annual premium

$ 1,918 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Allstate made our list: Allstate scored the highest out of all the Wyoming car insurance companies we analyzed in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study, with an impressive 889 points out of 1,000. Allstate’s online disaster help center may also come in handy for Wyomingites since the state experiences a wide range of natural disasters, including wildfires, tornadoes, blizzards and earthquakes. 

Who Allstate may be good for: Customers who prioritize a smooth claims experience over cheap rates might find Allstate as their company of choice.

Read full Allstate Insurance review

Best for unique coverage options

3.8 Bankrate Score
JD Power: 802 AM Best: A

Average annual premium

$ 1,151 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Farmers made our list: Farmers not only offers some of the cheapest rates in Wyoming, but you can find unique coverage options with this carrier not available with other companies, including new car replacement, spare parts coverage, original equipment manufacturer (OEM) coverage and more. Depending on your needs, you might be able to tailor a robust policy at a price you can afford. 

Who Farmers may be good for: Budget-conscious drivers who don’t want to sacrifice coverage options might consider contacting Farmers for a quote, as long as they know that customer service may be a friction point.

Read full Farmers Insurance review

How Bankrate chose the best car insurance companies in Wyoming 

To find the best car insurance in WY, we first analyzed average premiums for some of the largest insurers in the state. However, our industry experience has taught us that the best isn’t necessarily the cheapest. To identify the top carriers, we evaluated metrics such as digital tool availability, coverage options, corporate sustainability initiatives and more. We then translated this data into our proprietary Bankrate Score, ranging from 0.0 to 5.0. The higher a company’s score, the better it fared. By creating our Bankrate Score, we hope to give our readers a fast and simple way of evaluating insurance companies as they shop for new coverage.

How much is car insurance in Wyoming

Car insurance in Wyoming is over $400 cheaper than the national average cost of car insurance. While the national average premium for a full coverage car insurance policy is $2,014, Wyoming’s average is only $1,582. Minimum coverage is also cheaper in Wyoming, averaging $263 per year. In comparison, the national average cost for this same policy is $622.

Auto insurance in Wyoming is also cheaper than in some of its neighboring states, namely Montana to the north and Colorado to the south. In Montana, the average annual cost for full coverage is $1,889 for full coverage and $310 for minimum coverage. In Colorado, average rates are even higher at $2,121 and $500, respectively.

Wyoming’s relatively inexpensive premiums could be thanks partly due to its low population density, which usually leads to fewer accidents and comprehensive claims due to theft and vandalism. However, Montana’s rates could be even lower if its drivers didn’t have to contend with treacherous road conditions during harsh winter weather.

Average annual premium for full coverage in Wyoming Average annual premium for minimum coverage in Wyoming
$1,582 $263

How to find the best car insurance in Wyoming 

A robust yet affordable car insurance policy is essential for financial protection. When shopping for the best car insurance in Wyoming, these are some things to consider that can help you find the right provider for you:

Consider minimum insurance requirements in Wyoming

Car insurance is required to drive on public roads in almost every state, Montana included. Although it’s impossible to purchase a Montana car insurance policy with coverage below the state minimum required limits, knowing how much these minimum limits are may help give you a baseline when building your coverage package. Besides, knowing what insurance you’re required to carry may be an important part of being a responsible driver. 

Consider lender requirements

When you finance a vehicle, you are almost always required to carry comprehensive and collision (also called full coverage). If you’re leasing, you may have to carry higher liability limits — usually 100/300/50 — in addition to full coverage. To avoid expensive force-placed insurance, you may want to carefully review your vehicle contract to ensure you’re meeting the terms of your loan or lease. 

Consider your individual needs

47 percent of Wyomingites live on the “frontier,” which government agencies define as a region with fewer than six people per square mile. The state’s remote and mountainous roads can make routine car trouble a much bigger hassle. With that in mind, you may want to consider add-on coverage like roadside assistance and car rental reimbursement to your policy. Wyoming has a sparse public transit system, so if your car is being repaired due to a covered claim, renting a car is likely your best option.

Frequently asked questions

Written by
Lizzie Nealon
Insurance Contributor

Lizzie Nealon is an insurance contributor for Bankrate and enjoys making home, auto and life insurance digestible for readers so they can prepare for the future.

Edited by
Mariah Posey
Insurance Editor