120+ more*Quotes generated for Insurify users from Wyoming within the last 10 days. Last updated on April 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Wyoming within the last 10 days. Last updated on April 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
A liability-only car insurance policy costs an average of $54 per month in Wyoming, while a full-coverage policy that includes collision and comprehensive averages $103 per month, according to Insurify data.
That’s significantly less than the national average of $97 per month for liability coverage and $183 per month for full coverage.
We collected rates from 120+ of the best car insurance companies in Wyoming. The data below shows the cheapest quotes in Wyoming for different driver categories and car insurance coverage levels.
Driver Category  | Cheapest Insurance Company in WY | Cheapest Monthly Quote in WY |
|---|---|---|
| Overall | USAA | $24 |
| State-minimum coverage | USAA | $24 |
| Full coverage | USAA | $52 |
| Drivers with a clean record | USAA | $24 |
| After a speeding ticket | USAA | $41 |
| After an at-fault accident | USAA | $33 |
| After a DUI | USAA | $32 |
| Teen/new drivers | USAA | $47 |
| Seniors | USAA | $20 |
| Bad credit | USAA | $29 |
USAA and State Farm have the cheapest liability-only car insurance in Wyoming, with average monthly premiums of $24 and $26, respectively. That’s much cheaper than the national averages of $97 per month for liability insurance.
Wyoming requires drivers to have liability insurance to drive legally in the state.[1] The table below shows the cheapest liability-only car insurance rates in the Equality State.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $24 |
| State Farm | $26 |
| Farmers | $40 |
| GEICO | $40 |
| Allstate | $44 |
| Safeco | $56 |
| Direct Auto | $61 |
| Dairyland | $62 |
| Bristol West | $65 |
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Britney Balk
Customer Service Supervisor, Insurify
In Wyoming, state-minimum coverage might not fully protect you, especially if you cause an accident involving injuries or multiple vehicles. Bumping up your liability limits is a smart way to protect yourself.
With average monthly premiums of $52 and $57, respectively, USAA and State Farm are the cheapest full-coverage car insurance companies in Wyoming. Their rates are almost half the state average of $103 per month for a full-coverage policy.
Full-coverage car insurance costs more than a liability-only policy, but it covers your vehicle against collisions, fire, flood, hail, theft, vandalism, striking an animal, and more. In Wyoming, a portion of U.S. Highway 189 passes through a main mule deer migration route, where hundreds of deer are struck each year.
Wildfires and hailstorms are also relatively common, making full-coverage insurance a smart purchase.
Below are the cheapest full-coverage car insurance rates in Wyoming.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $52 |
| State Farm | $57 |
| Farmers | $88 |
| GEICO | $89 |
| Allstate | $97 |
| Safeco | $105 |
| Direct Auto | $112 |
| Dairyland | $162 |
| Bristol West | $173 |
*Quotes generated for Insurify users from Wyoming within the last 10 days. Last updated on April 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Wyoming within the last 10 days. Last updated on April 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance premiums vary depending on where you live in Wyoming. As the least populous state in the country, Wyoming’s insurance rates are also among the cheapest. Still, you may pay more in larger cities like Cheyenne or Casper than in rural areas.
Comparing auto insurance quotes from the best car insurance companies in Wyoming can help you find the right coverage at the lowest price.
| 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. | $24/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. | $52/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
Drivers in Wyoming average 8,658 miles per year, according to Insurify data. This is far below the nationwide average of 16,550 miles per year that the U.S. Department of Transportation estimates.[2] USAA’s SafePilot program can help low-mileage drivers save even more on their car insurance premiums: up to 20%.
The program bases your monthly bill on how many miles you drive — the less you drive, the less you pay for coverage. But USAA coverage is available only to military members and their families.
Discounts for low-mileage drivers
Affordable rates in Wyoming
Highest J.D. Power customer satisfaction ranking in the Northwest region
Available only to military members, veterans, and their families
Fewer discounts than some insurers
No physical locations in Wyoming
| 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. | 9.3 /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. | $26/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. | $57/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
State Farm has some of the lowest car insurance rates in Wyoming — and if you’re a safe driver, you can save even more. The Drive Safe & Save program offers a discount for enrolling, and you can save up to 30% based on your driving habits.
Additionally, new drivers who qualify for the Steer Clear program can learn how to become safer drivers while saving on car insurance.
Low overall rates for Wyoming drivers
Several discounts for safe driving
Above-average J.D. Power customer satisfaction ranking in the Northwest region
Low Trustpilot ratings
No gap insurance
Poor Better Business Bureau (BBB) reviews
| User Reviews | 3.9 |
|---|---|
| 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. | 9.2 /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. | $40/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. | $89/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Wyoming’s population is aging, with almost 36% of the state’s residents age 50 or older.[3] GEICO has low average rates for Wyoming drivers in their 50s, 60s, and 70s. Plus, you can save even more with discounts for drivers older than 50.
For example, if you complete a defensive driving course, GEICO may lower your monthly premiums. You can also get a discount if you’re a retired government or military official.
Affordable rates for older drivers in Wyoming
Senior-specific discounts available
Above-average J.D. Power customer satisfaction ranking in the Northwest region
Poor BBB reviews
Low Trustpilot ratings
No agent presence in Wyoming
The average cost of car insurance in Wyoming is much lower than the national average. In fact, the Equality State is the second-cheapest in the country for car insurance. Rates plummeted 30% year-over-year in 2025, to an average annual cost of $1,052 for full-coverage car insurance.
For 2026, Insurify data analysts project a very slight increase of 0.2% by the end of the year, bringing the expected annual cost to $1,054.
The following table shows average car insurance rates in Wyoming over the last five years.
State Name | 2021-03 | 2021-04 | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | 1,569 | 1,560 | 1,557 | 1,553 | 1,555 | 1,559 | 1,559 | 1,564 | 1,567 | 1,569 | 1,570 | 1,573 | 1,580 | 1,594 | 1,604 | 1,609 | 1,614 | 1,620 | 1,627 | 1,634 | 1,642 | 1,653 | 1,667 | 1,690 | 1,721 | 1,759 | 1,803 | 1,851 | 1,888 | 1,920 | 1,958 | 1,985 | 2,007 | 2,037 | 2,077 | 2,129 | 2,195 | 2,241 | 2,301 | 2,342 | 2,369 | 2,390 | 2,386 | 2,373 | 2,370 | 2,361 | 2,349 | 2,364 | 2,366 | 2,366 | 2,355 | 2,341 | 2,318 | 2,286 | 2,257 | 2,228 | 2,215 | 2,222 | 2,223 | 2,224 | 2,233 |
| Wyoming | 1,728 | 1,674 | 1,684 | 1,671 | 1,819 | 1,766 | 1,795 | 1,743 | 1,743 | 1,731 | 1,695 | 1,697 | 1,650 | 1,624 | 1,624 | 1,599 | 1,595 | 1,595 | 1,597 | 1,602 | 1,598 | 1,601 | 1,589 | 1,633 | 1,623 | 1,671 | 1,642 | 1,565 | 1,522 | 1,523 | 1,524 | 1,522 | 1,525 | 1,527 | 1,526 | 1,546 | 1,590 | 1,577 | 1,581 | 1,589 | 1,587 | 1,602 | 1,586 | 1,547 | 1,520 | 1,524 | 1,358 | 1,331 | 1,292 | 1,289 | 1,263 | 1,224 | 1,183 | 1,129 | 1,108 | 1,091 | 1,076 | 1,089 | 1,086 | 1,092 | 1,099 |
Liability quotes start as low as $24 per month
The Equality State requires drivers to carry a minimum amount of liability insurance to legally drive in the state. Below are the minimum requirements in Wyoming for bodily injury and property damage liability car insurance:
$25,000 per person and $50,000 per accident
$20,000
Wyoming is an at-fault state, meaning the driver who causes an accident is responsible for any damages resulting from the crash. That can include bodily injury and property damage, which is why insurance experts often recommend higher coverage limits.
Wyoming’s car insurance rates are among the cheapest in the nation. Rates for drivers in Casper are slightly cheaper, at $85 per month on average, compared to rates in Cheyenne, which average $91 per month.
The table below shows average monthly quotes in Casper and Cheyenne.
A clean record means you don’t have accidents, speeding tickets, or driving under the influence (DUI) convictions in your driving history. Wyoming drivers with a clean driving record and good credit can find the cheapest liability car insurance through USAA.
Take a look below at the cheapest liability-only insurance rates in Wyoming for drivers with a clean record.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $23 |
| State Farm | $25 |
| Farmers | $39 |
| GEICO | $39 |
| Allstate | $44 |
| Direct Auto | $58 |
| Dairyland | $59 |
| Safeco | $59 |
| Bristol West | $64 |
Insurify data shows that 4.73% of drivers in Wyoming have a speeding ticket. The penalty for a speeding ticket in Wyoming depends on how many miles per hour over the speed limit you drive, with fines ranging from $20 to $80 and up.
Drivers in Wyoming with a speeding ticket on their record pay an average of $110 per month for liability insurance. The table below shows the cheapest liability-only rates in Wyoming for drivers with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $41 |
| State Farm | $43 |
| Farmers | $67 |
| GEICO | $68 |
| Allstate | $75 |
| Safeco | $96 |
| Direct Auto | $101 |
| Dairyland | $102 |
| Bristol West | $108 |
Insurance Institute for Highway Safety data shows that 144 people died in car crashes in Wyoming in 2023.[4] That equates to 24.7 deaths per 100,000 people — double the national average of 12.2 deaths per 100,000 people. Finding affordable insurance after an accident can be challenging for the 4.32% of drivers in the state with an accident on their record.
Wyoming drivers with an at-fault accident pay an average of $74 per month for liability insurance. The following table shows the cheapest liability-only rates in Wyoming for drivers with an at-fault accident.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $33 |
| State Farm | $35 |
| GEICO | $54 |
| Farmers | $55 |
| Allstate | $60 |
| Safeco | $80 |
| Dairyland | $84 |
| Direct Auto | $85 |
| Bristol West | $88 |
Approximately 1.36% of drivers in Wyoming have a DUI on their record, according to Insurify data. In fact, Wyoming has the third-highest number of DUIs per driver in the nation.
DUIs in Wyoming carry steep penalties — six months in jail and a $750 fine for the first offense, and up to seven years in jail and a $10,000 fine for four offenses in 10 years. If you get a DUI, you’ll also face a license suspension.[5]
Since driving under the influence is a serious offense, insurers typically charge higher rates for drivers with a DUI. Still, it’s possible to find affordable rates through insurers like USAA and State Farm.
The table below shows the cheapest liability-only insurance rates for Wyoming drivers with a DUI.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $32 |
| State Farm | $35 |
| GEICO | $53 |
| Farmers | $53 |
| Allstate | $58 |
| Safeco | $79 |
| Direct Auto | $81 |
| Dairyland | $82 |
| Bristol West | $86 |
Wyoming requires drivers with a serious traffic violation (such as a DUI, reckless driving, or an uninsured accident) to provide proof of insurance for three years. An SR-22 is a certificate your insurer files on your behalf proving financial responsibility.[6]
Below are the companies with the cheapest liability-only rates for drivers with an SR-22 in Wyoming.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $29 |
| State Farm | $31 |
| Farmers | $48 |
| GEICO | $48 |
| Allstate | $53 |
| Safeco | $68 |
| Direct Auto | $74 |
| Dairyland | $75 |
| Bristol West | $79 |
See quotes from top insurers in minutes
In Wyoming, teens must be at least 15 years old to obtain a learner’s permit. Once they pass the driving test, they can apply for an intermediate license with limited driving privileges before graduating to full driving privileges.
USAA and State Farm have the lowest average rates for teen drivers, with monthly premiums of $47 and $53, respectively.
The following table shows the cheapest car insurance for teen drivers in Wyoming.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $47 |
| State Farm | $53 |
| GEICO | $77 |
| Farmers | $84 |
| Allstate | $92 |
| Dairyland | $114 |
| Safeco | $119 |
| Bristol West | $122 |
| Direct Auto | $125 |
Between 2010 and 2021, Wyoming’s older-than-65 population increased by more than 47%.[7] Drivers age 65 and older can get priority service from the Wyoming Department of Transportation’s Driver Services in Cheyenne every other Wednesday between 8 a.m. and 10 a.m.
Senior drivers in Wyoming pay an average of $49 per month for liability-only auto insurance.
The data below shows the cheapest liability-only rates for Wyoming drivers in their 60s.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $20 |
| State Farm | $21 |
| Farmers | $33 |
| GEICO | $33 |
| Allstate | $37 |
| Safeco | $50 |
| Direct Auto | $51 |
| Dairyland | $54 |
| Bristol West | $56 |
Wyoming lets insurers take a policyholder’s credit-based insurance score into account when setting rates. Wyomingites with poor credit pay more for insurance than Wyoming drivers with good credit. The average monthly cost for a liability-only policy is $68 for Wyoming drivers with bad credit.
The following data shows the cheapest liability-only rates for drivers with bad credit in Wyoming.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $29 |
| State Farm | $37 |
| Farmers | $49 |
| GEICO | $49 |
| Allstate | $54 |
| Safeco | $69 |
| Direct Auto | $75 |
| Dairyland | $76 |
| Bristol West | $80 |
Score the best car insurance rates for your credit
Understanding the answers to frequently asked questions about Wyoming car insurance can help you find a policy that fits your needs and budget.
Wyoming requires drivers to have at least $25,000 in bodily injury liability insurance per person, $50,000 in bodily injury liability insurance per accident, and $20,000 in personal property liability coverage.
Car insurance in Wyoming costs an average of $54 per month for liability-only coverage and $103 per month for full coverage, which includes comprehensive coverage and collision coverage.
USAA has the cheapest car insurance in Wyoming, with average premiums of $24 per month for liability-only car insurance.
No. Wyoming is an at-fault state, which means a driver who causes an accident is liable for bodily injury and property damage claims.
Yes. Several insurers offer good-driver car insurance discounts in Wyoming, including USAA, State Farm, and GEICO.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
