Best Car Insurance in Wyoming (2025)

Safeco, USAA, and Dairyland are among the best car insurance companies in Wyoming.

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Danny Smith
Written byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Lequita Westbrooks
Lequita WestbrooksSenior Editor

Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money.
Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba).
She holds a bachelor’s degree in English from the University of South Florida.

Daniel Roccato
Reviewed byDaniel Roccato
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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Every driver has different priorities when it comes to shopping for car insurance. Plus, numerous factors can affect your car insurance rates, including your age, location, type of vehicle, driving record, and even your gender. 

Wyoming drivers pay an average rate of $85 per month, but you can find cheaper rates if you take the time to compare car insurance quotes.

Insurify analyzed 50 car insurance companies to help you find the best car insurance in Wyoming.

Best car insurance companies in Wyoming

Wyoming is home to plenty of excellent car insurance companies, but some stand above the rest. We looked at various factors to determine the five best car insurance companies for Wyoming drivers.

The following insurers stand out for discounts, coverages, affordability, customer service, and ratings with the National Association of Insurance Commissioners (NAIC), AM Best, and J.D. Power.

Safeco: Best overall

User Reviews
4.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$59/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$120/mo
4.4
Best choiceBased on 862 verified guest reviews and ratings
How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (487)

Pat

May 30, 2025

Verified Review

Not Satisfied

Rates go up each year with no claims.

Thomas

May 22, 2025

Verified Review

Safeco handled my flood damage from Hurricane Ian satisfactorily.

Fine -- just noticed the costs have risen.

Jeffry

May 10, 2025

Verified Review

Pays to shop and compare!

Professional and friendly. No longer a great value. My auto insurance went from $947 annually to $1,668. Got auto AND homeowners bundled for less than $1,900 through Progressive. Maintained a safe driving record for more than 40 years!
See all Safeco reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Safeco is the best overall car insurance company in Wyoming, according to our research. The insurer offers cheap car insurance and numerous coverages and discounts, making it a good all-around option for the average Wyoming driver.

Pros
  • Affordable rates

  • Accident forgiveness available

  • Claims-free cash back

Cons
  • Difficult claims process

  • Higher-than-average number of complaints with the National Association of Insurance Commissioners (NAIC)

  • Below-average J.D. Power customer satisfaction ranking[1]

Direct Auto: Best for affordability

A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$98/mo
How drivers feel about Direct Auto

Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.

AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
How drivers feel about Direct Auto

Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.

AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Ample discounts
24/7 claims support
Reviews (348)

Seydou

May 24, 2025

Verified Review

Good Insurance

It was great.

Tina

May 15, 2025

Verified Review

Poor Service and Overpriced

They never sent out my policy on paper, so I couldn't have it on hand. The quotes were ridiculously higher than others I've checked—a rip-off!

Juliette

May 5, 2025

Verified Review

Shady

I got full coverage online, and when I had an accident, they said their systems were down, and I couldn’t log into my account for over 12 hours. When I finally was able to get into my account, it showed I only had liability, and my financed car was not covered.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.02
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company

Direct Auto is the best option in Wyoming for affordability. In addition to low average rates, the company offers several discounts that can help drivers save even more on their premiums.

Pros
  • Cheapest rates in Wyoming

  • 25% discount for active military members

  • 24-hour roadside assistance

Cons
  • Not available in all states

  • Low Trustpilot rating

  • Gap insurance not available

Progressive: Best for discounts

JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$101/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$154/mo
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,875)

Clint

June 1, 2025

Verified Review

Do better

They just keep getting more expensive without telling you. They doubled our price and never let us know. Just can’t afford $450 a month.

Denise

May 31, 2025

Verified Review

Make sure you keep a close eye on your policy. They gradually increase your rates, change your coverage, and increase annual mileage.

Make sure you keep a close eye on your policy. They gradually increase your rates, change your coverage, and increase annual mileage.

Vilay

May 30, 2025

Verified Review

The price was decent. Coverage was as normal as any other insurance up until after the first 6 months.

My rates almost doubled after my first 6 months.
See all Progressive reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Progressive is the best option for Wyoming drivers looking to take advantage of car insurance discounts, as it offers about a dozen different ways for drivers to save. It’s also a reliable car insurance company, earning an AM Best financial strength rating of A+ (Superior) while offering numerous coverages for all kinds of drivers.

Pros
  • Lower-than-average number of complaints with the NAIC

  • Cheap liability coverage for Wyoming drivers

  • Accident forgiveness available

Cons
  • Below-average J.D. Power customer satisfaction ranking in the Northwest region

  • Low Trustpilot rating

  • Snapshot telematics program may increase rates

USAA: Best for military families

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$47/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$98/mo
4.9
Best choiceBased on 2,084 verified guest reviews and ratings
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,187)

Alberta

May 28, 2025

Verified Review

Excellent

It is good, just looking for a cheaper rate.

Tracey

May 28, 2025

Verified Review

USAA Auto Insurance Review

Very high priced, but good coverage.

Bobby

May 25, 2025

Verified Review

USAA Review

Difficult to reach.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
863
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA is a great option for the roughly 40,000 veterans and their families who live in Wyoming.[2] It offers some of the cheapest rates to veterans, military members, and eligible family members. The insurance company has high customer satisfaction from J.D. Power and strong financial strength ratings.

Members can expect excellent customer service and car insurance discounts, which include garaging a vehicle at a military installation, bundling policies, and safe driving.

Pros
  • Savings of up to 30% with SafePilot program

  • AM Best financial strength rating of A++ (Superior)

  • Military-focused discounts

Cons
  • Coverage available only to military members and families

  • Not the cheapest option in Wyoming

  • Some customers report delayed claims

Dairyland: Best for non-standard insurance

User Reviews
3.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$57/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$150/mo
3.7
A solid optionBased on 300 verified guest reviews and ratings
How drivers feel about Dairyland

Drivers appreciate the affordable initial rates and the company’s willingness to insure when others won’t. But they dislike the frequent and unexplained rate increases, and some report poor customer service experiences.

AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
How drivers feel about Dairyland

Drivers appreciate the affordable initial rates and the company’s willingness to insure when others won’t. But they dislike the frequent and unexplained rate increases, and some report poor customer service experiences.

AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
Reviews (159)

Tohniejo

May 6, 2025

Verified Review

It's a Good Company

Dairyland isn't a bad insurance company. It's just that as a single mom, I need the amount I pay each month to be lower and close to the same amount every month.

Shebra

April 28, 2025

Verified Review

At first, the policy was okay, then they raised it without letting me know

Look closely at the policy and make sure you understand what you are paying for.

Michael

April 21, 2025

Verified Review

Interesting

Shop around.
See all Dairyland reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.61
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Dairyland is the best choice for non-standard car insurance policies in Wyoming. The insurer offers coverage to high-risk drivers who may have difficulty finding car insurance with other car insurance companies. If you have a DUI or other incident in your driving history, Dairyland may be a good choice for you.

Pros
  • AM Best financial strength rating of A+ (Superior)

  • Gap insurance available

  • Non-owner insurance available

Cons
  • Higher-than-average number of complaints with the NAIC

  • High rates for full coverage in Wyoming

  • Bundling not available

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Wyoming to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

How to get the best car insurance in Wyoming

Remember, the best car insurance for you depends on your unique driver profile. The best insurer for you could be different from your Wyoming neighbor. Here are a few things you should keep in mind if you’re looking to get the best car insurance in Wyoming.

  • illustration card https://a.storyblok.com/f/162273/150x150/28fd0b0ea3/car-and-driving-96x96-blue_023-driving-test.svg

    Keep a clean driving record

    Maintaining a clean driving record is one of the best ways to keep your car insurance rates low. Insurance companies determine your premiums based on numerous factors, including your driving history.

    If you have a spotless history, you could get some of the cheapest auto insurance rates, all else equal. But if you get an infraction or two on your driving record, your rates will start to go up.

  • illustration card https://a.storyblok.com/f/162273/x/d980bd9cc4/membership.svg

    Look for discounts

    Car insurance discounts are another way to get cheap car insurance. Discounts can help you drastically reduce your monthly premiums.

    For example, consider bundling your auto and home insurance with one insurer, as this often yields a hefty discount. If you’re not sure which discounts you qualify for, ask your insurance agent.

  • illustration card https://a.storyblok.com/f/162273/150x150/243feaaa23/contact-us-96x96-orange_033-rating.svg

    Read customer reviews

    Always read customer reviews from multiple sources before choosing a car insurance company. Consider company ratings and rankings from organizations such as the NAIC, J.D. Power, and AM Best.

    Make sure you understand what kind of service you’ll get with the insurance company and if it’s worth the potential savings. For example, the extra money might not be worth it if the company has below-average claims satisfaction.

  • illustration card https://a.storyblok.com/f/162273/x/2d92436d68/protection-for-your-car.svg

    Consider your coverage level and deductible

    Consider how much car insurance coverage you actually need before purchasing an auto policy. In most cases, a full-coverage car insurance policy may be your best option if you finance or lease your car and if you want more protection. It provides liability, collision, and comprehensive coverage.

    But if you rarely drive or have an old car not worth much, state-minimum coverage may be sufficient. Additionally, you can lower your monthly premium if you increase your car insurance deductible. Just be sure you can afford the out-of-pocket costs if you file a claim.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Compare car insurance quotes

    Comparing auto insurance rates is one of the best ways to find the best and most affordable policy. Take the time to get quotes from multiple insurers to make sure you get the best deal. Go with the company that meets your budget needs and provides reliable coverage. Don’t just choose the cheapest option, or you could end up paying in other ways after a claim.

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Average cost of car insurance in Wyoming

The average cost of car insurance in Wyoming is $85 per month, compared to the national average rate of $150. Drivers in Wyoming pay an average rate of $55 per month for minimum coverage and $115 for full coverage.

Fortunately, car insurance rates in Wyoming have remained fairly steady in recent years, with the average cost of a full-coverage policy falling by 3% from 2023 to 2024. Insurance rates may increase by 2% in 2025, but drivers should still enjoy the relatively cheap car insurance rates Wyoming has to offer.

Best car insurance in Wyoming FAQs

If you’re still unsure about your policy, check out these answers to some of the most commonly asked questions about car insurance in Wyoming.

  • How much is car insurance in Wyoming?

    Wyoming drivers pay an average rate of $85 per month. The average cost for a full-coverage policy is $115 per month, and a liability-only policy costs an average of $55.

    Your actual rate will depend on factors like your car insurance company, driving history, age, ZIP code, and more.

  • What are the best car insurance companies in Wyoming?

    Safeco, Direct Auto, Progressive, USAA, and Dairyland are among the best car insurance companies in Wyoming. But the right insurer for you will depend on numerous factors, so it’s important to compare car insurance rates from multiple companies before buying a policy.

  • What is the required auto insurance coverage amount in Wyoming?

    The state of Wyoming requires drivers to have minimum coverage that includes $25,000 per person in bodily injury liability coverage and $50,000 per accident. Wyoming drivers must also carry $20,000 per accident in property damage liability insurance.[3]

Sources

  1. Jdpower.com. "2024 U.S. Auto Insurance Study."
  2. USA Facts. "Veterans in Wyoming."
  3. Rocky Mountain Insurance Information Association. "Wyoming Auto Insurance Requirements."
Danny Smith
Danny Smith

Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Danny has been a contributor at Insurify since March 2022.

Lequita Westbrooks
Edited byLequita WestbrooksSenior Editor
Lequita Westbrooks
Lequita WestbrooksSenior Editor

Lequita Westbrooks is a Senior Editor at Insurify. With extensive experience in writing and editing across industries like insurance, personal finance, higher education, and more, she’s passionate about helping readers understand complex topics so they can make informed financial decisions and save money.
Outside of work, Lequita enjoys reading and spending time with her family (and two pups: Bella and Simba).
She holds a bachelor’s degree in English from the University of South Florida.

Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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