Best Car Insurance in Wyoming (2026)
Safeco, USAA, and Dairyland are among the best car insurance companies in Wyoming.
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Written byDanny Smith
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Danny SmithInsurance Writer
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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Edited byLequita Westbrooks
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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.
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Reviewed byDaniel Roccato
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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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Table of contents
Table of contents
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 $76 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 | 4.3 |
|---|---|
| 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. | 8.1 /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. | $56/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. | $106/mo |
4.3
Best choiceBased on 991 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 (531)
Linda
Verified Review
Raising Prices Too High
Reviewed in New Hampshire on February 6, 2026
It was okay, but now they are raising the price on my policy by $572.20. They said it's because of rates for ambulances, fire, and police in Gilford. That doesn't seem to have anything to do with my auto insurance, but that's what they said.
Jon
Verified Review
Shop around
Reviewed in California on February 4, 2026
Shop around. I believe insurers give an initial lower rate and then increase it over time, knowing that most people just keep paying the higher rate. You have to shop every time renewal comes up.
Patrick
Verified Review
Poor Business Practice
Reviewed in Michigan on January 30, 2026
The price is a bit cheaper than average at first. The issue is that after a month, they claimed they never received the qualifying medical insurance letter, changed your PIP allocations, and charged you hundreds more than the original quote. They make you jump through hoops to get your money back, then only return a minute fraction of it and claim it was the customer's fault. They will not return the money wrongfully taken for "lack of medical coverage letter"—they received it! And let's just for amusement say they never received it, you'd think an email, text, or call to say "Hey, we don't have the medical coverage letter, and we need that or we will deduct such and such on such and such date" would be appropriate... but no, they'd rather be shady! Additionally, getting a service agent at certain times can be difficult!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
607NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.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).
AWhy 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. | 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. | $62/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. | $99/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 (446)
Julicia
Verified Review
Direct Auto Review
Reviewed in Washington on February 9, 2026
The insurance price changed with no warning or explanation and went up by $50. The claim was handled too lightly, and they basically said my insurance doesn’t cover anything, so I have to pay for my car’s damages myself when someone rear-ended me.
Christopher
Verified Purchase
Very professional helpful customer service
Reviewed in North Carolina on February 9, 2026
Excellent
Adam
Verified Review
Switching
Reviewed in Kansas on February 7, 2026
Switching to Progressive, not happy with the rate. Adding a car and renters insurance makes it cheaper than one car with Direct.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
AWhy 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. | 607 |
|---|---|
| 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. | NR |
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 (8,003)
Keith
Verified Review
Full coverage for 2 cars around $500
Reviewed in Nebraska on February 15, 2026
Expensive.
Humberto
Verified Review
Overpriced
Reviewed in Michigan on February 15, 2026
Too much money. I started out paying $150 a month and now I'm paying over $600 a month. I thought the longer you stay with a company, the better the experience?
Regina
Verified Review
Confused
Reviewed in New Jersey on February 15, 2026
For my age and the length of time I've been a customer, I would search elsewhere. I feel I don't get any consideration. I've taken the safe driver's course, haven't received any tickets, and still, my rates are high even though I have two vehicles.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
607NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.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. | 9.1 /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. | $25/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. | $49/mo |
4.9
Best choiceBased on 2,945 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 (1,447)
Russell
Verified Review
Good insurance - Super expensive premiums
Reviewed in Florida on February 14, 2026
The product is good. The price is not. Very expensive. The service is excellent, but the insurance is expensive. Customer service is very good, but the price is expensive.
Edward
Verified Review
Veterans' Best Insurance Company
Reviewed in Nebraska on February 14, 2026
USAA gave me a favorable price over the competition, and I’ve been with them for 1 1/2 years now.
Paul
Verified Review
Premiums Too High
Reviewed in Pennsylvania on February 14, 2026
As a disabled veteran, I find USAA’s premiums to be too high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
743NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 | 4.0 |
|---|---|
| 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. | 7.7 /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. | $63/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. | $178/mo |
4.0
Best choiceBased on 364 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 (178)
Daniel
Verified Purchase
I would recommend
Reviewed in Washington on January 6, 2026
No issues, haven't had a reason to contact them.
Michel
Verified Review
My 2 Cents
Reviewed in Nevada on January 5, 2026
Don't buy. They raise the rates once you sign up after 6 months.
Elias
Verified Purchase
The Best
Reviewed in California on December 24, 2025
Very professional.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.49A.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.
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.
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.
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.
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.
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.
Find Cheap Car Insurance in Wyoming
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Average cost of car insurance in Wyoming
The average cost of car insurance in Wyoming is $76 per month, compared to the national average rate of $136. Drivers in Wyoming pay an average rate of $55 per month for minimum coverage and $98 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 $76 per month. The average cost for a full-coverage policy is $98 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]
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Sources
- Jdpower.com. "2024 U.S. Auto Insurance Study."
- USA Facts. "Veterans in Wyoming."
- Rocky Mountain Insurance Information Association. "Wyoming Auto Insurance Requirements."
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Danny SmithInsurance Writer
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 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 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.