In Wyoming, affordable car insurance providers include USAA, State Farm, and Farmers.
Full-coverage car insurance in Wyoming averages $95 per month, compared to the national average of $186. What you’ll pay depends on multiple factors, including your age, driving history, and where you live. Getting quotes from several insurance companies is the most effective way to find your actual rate.
Below, we examine Wyoming’s most affordable car insurance options by coverage type, driver profile, and insurance company.
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Affordable full-coverage car insurance in Wyoming
Full-coverage insurance in Wyoming averages $95 monthly, compared to $186 nationally. Among Wyoming’s cheapest car insurance providers, USAA, State Farm, and Farmers stand out.
Affordable liability-only car insurance in Wyoming
Among Wyoming’s most affordable liability car insurance providers, USAA, State Farm, and Farmers consistently offer competitive rates.
Liability-only coverage in Wyoming averages $54 monthly, while the national average sits at $104.
| Average monthly liability-only cost | |
| Wyoming average | $54 |
| National average | $104 |
| USAA | $24 |
| State Farm | $26 |
| Farmers | $41 |
| GEICO | $42 |
Cheap car insurance in Wyoming by age
Age significantly impacts insurance costs. Car insurance for teens carries the highest rates, averaging $181 monthly in Wyoming because of their limited driving experience.
Drivers in their 20s see rates drop to approximately $112 per month. This downward trend continues through drivers’ 30s and 40s, with monthly costs around $105 and $101, respectively.
Rates can increase again for older drivers. Wyoming seniors pay approximately $86 monthly in their 60s and $75 in their 70s.
These age-related premium fluctuations reflect varying risk levels across age groups, with younger drivers facing higher rates and older drivers sometimes seeing increases related to health and driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $181 | $103 |
| 20s | $112 | $64 |
| 30s | $105 | $60 |
| 40s | $101 | $58 |
| 50s | $82 | $47 |
| 60s | $86 | $49 |
| 70s | $75 | $43 |
Cheap car insurance in Wyoming for high-risk drivers
Drivers with moving violations or accidents on their record face higher car insurance premiums. Below are Wyoming’s average costs for drivers with an accident, speeding ticket, or DUI, based on car insurance if you have a bad driving record rates.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $133 | $76 |
| Speeding ticket | $105 | $60 |
| DUI | $153 | $87 |
Compare low-cost car insurance after an accident
Wyoming drivers with an accident on their record can find affordable car insurance through USAA, State Farm, and GEICO. Full-coverage premiums for drivers with an accident average $133 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $66 | $33 |
| State Farm | $72 | $35 |
| GEICO | $110 | $55 |
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Compare low-cost car insurance after a speeding ticket
Wyoming drivers with a speeding ticket can find competitive car insurance through USAA, State Farm, and Farmers. Full coverage for drivers with a speeding ticket averages $105 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $59 | $29 |
| State Farm | $63 | $31 |
| Farmers | $99 | $49 |
Compare low-cost car insurance after DUI conviction
Wyoming drivers with a DUI can find affordable full coverage car insurance through USAA, State Farm, and Farmers. Full coverage for drivers with a DUI averages $153.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $75 | $37 |
| State Farm | $82 | $40 |
| Farmers | $127 | $63 |
Cheap car insurance in Wyoming by credit score
Wyoming drivers with excellent credit pay approximately $92 monthly. Drivers with poor credit face significantly higher premiums, starting at $113 per month.
This rate difference reflects how credit scores influence insurance pricing, with poor credit leading to higher premiums based on perceived payment risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $92 | $53 |
| Good | $93 | $53 |
| Average | $96 | $55 |
| Poor | $113 | $64 |
FAQs
Is Wyoming a no-fault or at-fault state for car insurance?
Wyoming operates under an at-fault system, meaning the driver who causes an accident is financially responsible for covering damages and injuries to other parties involved. Wyoming also follows modified comparative negligence laws when assigning fault, which means if you’re partially responsible for an accident, your compensation may be reduced proportionally to your percentage of fault in the incident.
What makes car insurance so affordable in Wyoming compared to other states?
Wyoming having affordable car insurance rates is largely due to it being the least populated state, which results in minimal traffic congestion and fewer accidents. Additionally, Wyoming experiences a significantly lower vehicle theft rate and maintains one of the lowest percentages of uninsured drivers in the nation.
Bottom line
These companies may offer Wyoming’s lowest rates overall, but that doesn’t guarantee they’re the cheapest option for your specific car insurance needs. The most effective approach to finding the right company is getting quotes from multiple insurance providers and comparing them on both price and service.
Data throughout provided by Insurify.
Save On Your Auto Insurance
- You could save up to $600 with some companies.
- Compare dozens of providers in under 5 minutes.
- Fast, free, and easy way to shop for insurance.
- Quickly find the perfect rate for you.
Based in New York, Stephen Freeman is a Senior Editor at Trending Insurance News. Previously he has worked for Forbes and The Huffington Post. Steven is a graduate of Risk Management at the University of New York.