Best Car Insurance in Wyoming

Last Updated on November 13, 2022

Drivers in Wyoming pay higher-than-average car insurance rates compared to the rest of the country. According to our research, drivers in Wyoming pay around $1,789 per year for full coverage car insurance, on average. That’s over $300 more per year than the average American, who pays premiums of around $1,450 per year.

In fact, Wyoming is one of the top ten most expensive states in America for car insurance. Whether you live in Cheyenne or Sheridan, you likely pay more for car insurance than the average American.

Fortunately, there are plenty of ways for the average Wyoming driver to save. You have options. By shopping around and comparing quotes, you can find the best insurance company in Wyoming for any unique needs.

Top 10 Auto Insurance Companies in Wyoming

Wyoming may have the lowest population of any state, but drivers still have plenty of options for car insurance. From nationwide providers to regional firms, you can find good insurance companies for your needs.

1. USAA

USAA scored higher than any other insurance company in the United States in every region on the latest J.D. Power rankings, indicating top marks for customer service and claims satisfaction. USAA also has cheaper car insurance rates than its competitors in many states. Expect to pay around $1,063 per year, on average, for one year of full coverage car insurance with USAA in Wyoming, according to average quotes provided to our model driver profiles.

2. State Farm

State Farm insures millions of policyholders across the United States, and they’re America’s largest property and casualty insurance company. As the leading car insurance company in Wyoming, State Farm maintains competitive prices and average ratings for claims satisfaction. Expect to pay around $1,098 per year for full coverage car insurance in Wyoming with State Farm.

3. Farmers

Farmers is one of the top ten largest insurance companies in the United States, and they offer drivers in Wyoming all of the amenities of a large insurance company. Available to farmers and non-farmers alike, Farmers offers competitive prices in all corners of the state. Expect to pay around $1,101 per year with Farmers in Wyoming.

4. GEICO

GEICO is the cheapest insurance company in many states, although it’s not quite the cheapest insurer in Wyoming. Drivers in Wyoming pay around $1,289 per year for full coverage car insurance with GEICO. GEICO also offers an extensive range of discount opportunities that can lower the cost of car insurance even further.

5. Allstate

Another large and well-known insurance company, Allstate has average to strong ratings for claims satisfaction combined with effective pricing in all corners of the state. Our model driver profiles received an average quote of around $1,303 per year with Allstate in Wyoming.

6. MetLife

MetLife isn’t as well-known as the providers listed above, although the company is one of the world’s largest insurance companies. Originally known as the Metropolitan Life Insurance Company, MetLife covers 90 million customers in 60 countries. They also provide affordable car insurance and home insurance in Wyoming, charging around $1,319 per year for full coverage.

7. Safeco

Safeco is a member of Liberty Mutual, although the company offers its own independent insurance policies. Safeco’s car insurance can be particularly affordable in Wyoming compared to competing providers, with drivers paying under $1,350 per year for full coverage car insurance.

8. California Casualty

Also known as California Casualty, Cal Casualty is best-known for providing car insurance to educators, police officers, firefighters, and nurses. If you live in Wyoming and are a member of any of these professional groups, then you could save significantly with Cal Casualty. Expect to pay around $1,356 per year with Cal Casualty in Wyoming.

9. Nationwide

Nationwide is the eighth largest car insurance company in the United States, insuring approximately 3% of drivers across the country. Nationwide offers similar service to other large providers on this list in Wyoming, although their prices tend to be slightly higher. Expect to pay around $1,374 per year for full coverage car insurance in Wyoming with Nationwide, based on average rates provided to our model driver profiles.

10. The Hartford

The Hartford scores top ratings for customer service and claims satisfaction, although they can also be more expensive than many of their competitors. In Wyoming, The Hartford offers surprisingly competitive rates in multiple areas of the state. Some customers pay less than $1,000 per year for full coverage car insurance with The Hartford in Wyoming, although the average customer pays around $1,403 per year.

Wyoming Insurance Requirements

Wyoming has similar car insurance requirements to other states. Drivers are required to carry a policy with minimum coverage of 25/50/20, which includes:

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

Most insurance companies in Wyoming offer uninsured and underinsured motorist coverage, although it’s not required by the state. You may also want to buy medical payments coverage, collision and comprehensive coverage, and other optional coverages.

If you lease or finance your car, then your lender likely requires you to carry collision and comprehensive coverage. Collision and comprehensive coverage are part of a full coverage car insurance policy. Unless you fully own your vehicle, you likely need full coverage car insurance to protect the collateral of your loan.

Driving Without Insurance in Wyoming

It is illegal to drive without car insurance on public roads in Wyoming, and drivers caught without insurance will face consequences.

According to Wyoming’s Motor Vehicle Safety Responsibility law, drivers caught without insurance may face the following penalties:

• First Offense: Fine of $250 to $750, maximum imprisonment of 6 months (in lieu of fine), license suspension until proof of insurance is provided, $50 license reinstatement fee, and SR-22 requirement for 3 years.
• Second & Subsequent Offenses: Fine of $500 to $1,500, maximum imprisonment of 6 months (in lieu of fine), license suspension until proof of insurance is provided, suspension of vehicle registration and license plates, $50 license reinstatement fee, and SR-22 requirement for 3 years.

Law enforcement officers can require proof of insurance at the scene of an accident or at a traffic stop. If you are unable to provide proof of insurance, then you have 7 days to come to the court with proof you had insurance at the time of the incident. If unable to submit proof within 7 days, then you will be charged with driving without insurance, and you will face the penalties above.

Car Insurance in Wyoming with DUI

DUI and DWI convictions in Wyoming will increase car insurance premiums significantly. Many insurers raise rates by 50% after a single DUI conviction – even if you have a clean accident. Drivers with multiple accidents or a strict insurance company may see insurance premiums double after a DUI.

Request a quote from the following providers if you have been convicted of a DUI in Wyoming:

1. USAA: $1,793 per year
2. GEICO: $1,872 per year
3. State Farm: $1,918 per year
4. Progressive: $1,934 per year
5. Allstate: $1,923 per year

Car Insurance in Wyoming with At-Fault Accidents

Some insurance companies have accident forgiveness, which means they forgive one at-fault accident every three to five years. Some insurers charge extra for this service, while other insurers provide free accident forgiveness to all customers after a certain number of years.

If you have an at-fault accident on your driving record in Wyoming, then consider requesting a quote from the following insurers to ensure you continue paying competitive rates on car insurance:

1. USAA: $1,657 per year
2. GEICO: $1,726 per year
3. Nationwide: $1,813 per year
4. Progressive: $1,843 per year
5. Allstate: $1,938 per year

Car Insurance in Wyoming with Speeding Tickets

Wyoming has some of the widest and most open roads in the United States, but that doesn’t mean you can speed. If you have one or more speeding tickets on your driving record, then you’ll pay higher rates for car insurance. Most insurers raise rates by 3% to 5% after a single speeding ticket. Multiple speeding citations could raise rates significantly.

Some car insurance companies continue to charge competitive rates even with speeding tickets on your record. Request a quote from the following insurers in Wyoming if you have a speeding ticket – or multiple speeding tickets:

1. USAA: $1,337 per year
2. GEICO: $1,361 per year
3. State Farm: $1,421 per year
4. Allstate: $1,422 per year
5. Nationwide: $1,439 per year

Car Insurance in Wyoming for Young Drivers

Each year, young drivers in Wyoming cause more accidents – and more serious accidents – than drivers in any other age group. Insurance is about managing risk, and that’s why insurers charge significantly higher rates to drivers in Wyoming under age 25.

Fortunately, some insurers use young drivers to manage risk and balance premiums across their insurance pool. Request a quote from the following insurance companies in Wyoming if you’re a young driver looking for discount rates:

1. USAA: $1,718 per year
2. GEICO: $1,819 per year
3. Allstate: $1,853 per year
4. Nationwide: $1,959 per year
5. State Farm: $2,001 per year

Car Insurance in Wyoming with Poor Credit

Virtually every state in America allows insurers to use credit score to calculate insurance premiums. Statistically, drivers with low credit scores are more likely to cause accidents, make claims, and miss payments, which is why insurers charge higher rates.

Some insurers weigh credit score less heavily than others, making them ideal for drivers with low credit scores or no credit scores. Some insurers also charge cheap rates even with low credit scores, regardless of weighting.

1. GEICO: $2,062 per year
2. State Farm: $2,078 per year
3. Allstate: $2,089 per year
4. Nationwide: $2,103 per year
5. Cal Casualty: $2,143 per year

SR-22 Insurance in Wyoming

Wyoming uses the SR-22 system to manage high-risk drivers across the state. The state of Wyoming requires you to file an SR-22 statement of financial responsibility in certain situations.

If you have been convicted of multiple at-fault accidents or DUIs, or if you have repeatedly let car insurance lapse, then you may need to file an SR-22 in Wyoming. Most drivers need to file an SR-22 for three years, assuming they maintain a clean driving record.

Most insurers will file an SR-22 on your behalf in exchange for a small fee (typically $15 to $50). However, drivers who require SR-22 insurance often pay much higher rates than ordinary drivers. Insurers consider you a high-risk driver, and you may pay double the premiums compared to an average Wyoming driver. Some drivers may also need to buy from a specialty insurance provider – like a high-risk auto insurance company.

If the state of Wyoming has suspended your license or registration until you file an SR-22, then contact your insurer or compare SR-22 insurance quotes online today.

Conclusion: How to Find the Best Auto Insurance in Wyoming

To find the best car insurance in Wyoming for your unique needs, compare quotes online today. The best auto insurance companies disclose rates upfront, making it easy to compare prices. Choose the insurer that matches your unique needs and budget.

For the best car insurance in Wyoming, request a quote from any of the providers listed above and get affordable car insurance for your unique needs.