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Best Car Insurance in Wyoming

Best Cheap Auto Insurance in Wyoming
Geico Logo

With average rates as low as $948 annually, GEICO offers the cheapest rates for drivers in Wyoming.

Best Auto Insurance for Motorcycles in Wyoming
Progressive Logo

Progressive has excellent rates in Wyoming ($350 annually for motorcyclists) and excellent add-ons designed for motorcycles.

Best Auto Insurance for Homeowners in Wyoming
Allstate Logo 2023

Allstate is one of the oldest and largest providers in the country. It offers excellent discounts and incentives to homeowners in Wyoming.

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Wyoming is home to the fewest number of registered drivers (427,000+) and some of the cheapest auto insurance rates in the country. At the same time, its auto-related deaths per 100,000 people (19) is nearly double the national average, making it one of the least safe states to drive in.1

While cheap minimum liability plans might be appealing, we recommend you increase your limits and add full coverage (comprehensive and collision) to your policy. It will ensure you and your loved ones are financially secure from most accidents.

Read on to learn about the best options in Wyoming for full coverage, people with a bad driving history, motorcyclists, and more.

Average Rate in Wyoming

The average annual cost of car insurance for full coverage is $1,042 in Wyoming, which is nearly half the national average of $2,071.

Average Rate for Select Cities

City Monthly average premium Annual average premium
Sheridan $74 $888
Green River $81 $972
Rock Springs $82 $984
Laramie $87 $1,044
Cheyenne $91 $1,092
Casper $94 $1,128
Gillette $98 $1,176

Comparison of the Best Auto Insurance Companies in Wyoming

Feature GEICO Progressive Allstate Foremost State Farm
Average annual rate in Wyoming $948 $1,152 $1,524 N/A $1,020
Customer Satisfaction Index Ranking out of 1,000 (J.D. Power) 797 807 783 N/A 821
Best for Drivers on a budget Motorcycle riders Homeowners RV owners Someone with a bad driving record
Agents in Wyoming 0 50+ 10+ 50+ 50+
Review GEICO review Progressive review Allstate review Foremost review State Farm review

Summary of the Best Auto Insurance in Wyoming

  1. 1.

    Best Cheap Auto Insurance in Wyoming: Geico

  2. 2.

    Best Auto Insurance for Motorcycles in Wyoming: Progressive

  3. 3.

    Best Auto Insurance for homeowners in Wyoming: Allstate

  4. 4.

    Best Auto Insurance for RV Owners in Wyoming: Foremost

  5. 5.

    Best Auto Insurance for Drivers With a Bad Record in Wyoming: State Farm

Detailed List of the Best Auto Insurance in Wyoming

1. Best Cheap Auto Insurance in Wyoming - Geico

What We Like Most:

  • Save money with defensive driving courses
  • Cheapest rates after a speeding ticket
  • Save by installing safety equipment

As the fifth-largest provider in Wyoming,2 GEICO’s average rates are about $200 cheaper than the state average ($1,042). If you’re on a budget or looking for the cheapest option in Wyoming, we recommend requesting a quote from GEICO.

ProsWho It's Best For
  • pro
    People on a budget
  • pro
    Military members
  • pro
    Federal workers
  • pro
    People with safe vehicle equipment
ConsWho It's Not Best For
  • con
    Someone who wants to work with a local agent
  • con
    People who don’t like managing their policy online

Cheapest Provider in Wyoming

GEICO’s full coverage rates in Wyoming average $79 per month, or $948 per year, making it the cheapest provider in the state. The most expensive provider in Wyoming is Travelers ($1,728), and Progressive sits in the middle, with an average of $1,152.

Company Monthly average premium Annual average premium
GEICO $79 $948
State Farm $85 $1,020
American National $92 $1,104
Progressive $96 $1,152
Farmers $112 $1,344
Allstate $127 $1,524
Travelers $144 $1,728

Affiliate Discounts

If you belong to any of the following affiliate groups, you could earn a discount:

Affiliate group Discount
Emergency deployment 25%
Military member 15%
Federal employee (Eagle) 12%
Affiliate employee member Varies

Robust Digital Features

Although there aren’t any local GEICO agents in Wyoming, you can still manage and track your policy details online and through the app. Here’s what you can do with GEICO’s digital and mobile features:

  • Make payments
  • File and track claims
  • Report an incident
  • Ask for a quote
  • Request roadside assistance
  • Add new drivers or vehicles to your policy
  • Review policy documents
2. Best Auto Insurance for Motorcycles in Wyoming - Progressive

What We Like Most:

  • Cheaper rates for drivers with a DUI
  • Several ways to save if your premium increases
  • Accident forgiveness automatically applies to policy in most states

Progressive insures nearly 21 percent of all drivers in Wyoming, making it the largest company in the Cowboy State. It’s also the cheapest provider for motorcyclists, with average rates as low as $350 per year.

ProsWho It's Best For
  • pro
    Motorcycle riders
  • pro
    People who ride with expensive gear, like fishing or hunting equipment
  • pro
    Harley-Davidson riders
  • pro
    Safe riders
ConsWho It's Not Best For
  • con
    People with a claim on their record
  • con
    Young riders

Fun Fact:

There are 4,364 riders per 100,000 people in Wyoming, making it the eighth-highest in the country for motorcycle riders per capita.3 Looking for more information on motorcycle insurance? Check out our full guide to the best motorcycle insurance in the country.

Cheapest Provider for Motorcycle Riders

Progressive is about $150 cheaper than the average motorcycle insurance provider in Wyoming. If you’re seeking the most affordable rates for your bike, Progressive will likely offer you the best quotes.

Company Monthly average premium Annual average premium
Progressive $29 $350
Markel $31 $374
GEICO $32 $389
Nationwide $35 $421
Dairyland $37 $447
Harley-Davidson $44 $532
Allstate $51 $612

Big Savings

Looking for more ways to save on your motorcycle insurance? Ask your agent about the following Progressive discounts:

  • Bundling discount for your motorcycle plus home, car, boat, or RV insurance
  • Pay-in-full discount
  • Harley Owners Group discount
  • 25 percent off your deductible for every claim-free period
  • Safety course rider discount
  • Safe rider discount
  • Automated billing discount
  • Pay-on-time discount

Specialized Coverage

You can add the following specialized coverage options with Progressive, providing you with greater protection on the road:

  • Total loss coverage for motorcycles up to two years old
  • $250 per week in enhanced injury protection, which provides you with financial support if you’re injured in an accident and can’t work
  • Roadside assistance anywhere in the U.S. or Canada
  • Carried contents coverage, which provides protection for personal belongings that are damaged in a covered loss
3. Best Auto Insurance for homeowners in Wyoming - Allstate

What We Like Most:

  • Three ways to earn a student discount
  • Pay-per-mile option for drivers with low mileage
  • No waiting period to purchase accident forgiveness

Allstate is one of the oldest and largest providers in the country. It offers excellent home bundling discounts for drivers in Wyoming and excellent financial strength scores to ensure your assets are covered.

ProsWho It's Best For
ConsWho It's Not Best For
  • con
    People looking for the cheapest option
  • con
    People who want to chat with an agent via text

Did You Know?

Seventy-four percent of Wyoming’s residents are homeowners, putting the state in the top 10 for homeownership. If you’re a homeowner in Wyoming, you should always ask your provider about homeowner discounts and home bundling discounts.4

Sizable Bundling Discount

You can earn 25 percent off your car insurance when you bundle auto and home with Allstate. That’s the largest home and auto bundling discount on our list and one of the biggest in the country.

Excellent Financial Strength

Car insurance companies with a strong financial score and creditworthiness rating are more likely to pay out claims, even during economic downturns or after natural disasters.

Allstate has received an A+ rating from AM Best since 2017, which is the second-highest rating.5

More Insurance Types

Have more vehicles to insure? Allstate has you covered. You can add the following insurance types to your Allstate policy:

  • RV insurance
  • Boat insurance
  • Motorcycle insurance
  • Pet insurance
  • Off-road vehicle insurance
  • Renters insurance
  • Homeowners insurance
  • Business insurance
  • Classic car insurance
  • Condo insurance
  • Landlord insurance
  • Life insurance
4. Best Auto Insurance for RV Owners in Wyoming - Foremost
Foremost Insurance Logo

What We Like Most:

  • Three convenient plans to choose from
  • Options for rideshare drivers
  • Protection for child safety seats and special parts

Foremost is America’s first mobile home insurance provider and our top pick for RV owners in Wyoming. It comes with flexible coverage plans and a solid baseline of coverage for all RV owners.

ProsWho It's Best For
  • pro
    RV owners
  • pro
    RV owners with children
  • pro
    People who have coverage with Farmers (additional discounts available)
  • pro
    People with safe equipment on their RV
ConsWho It's Not Best For
  • con
    People looking for the cheapest option

FYI:

Drivers in Wyoming spend $32 annually for their RVs, which is the fifth-highest spending rate per capita in the U.S.6 Have a look at our guide on the best RV insurance to learn more about what the top providers have to offer.

Flexible RV Coverage

Whether you’re living in your RV year-round or using it for specific trips, you can find a policy with Foremost that fits your needs.

Foremost offers full-time coverage — similar to liability coverage in a homeowners policy — for long-term stays in travel trailers, motor homes, and luxury motor coaches. If you’re traveling in the summer or other parts of the year, you’ll also have options for short-term policies.

Ask your agent to learn more about how you can customize your plan.

Solid Coverage for All RVs

Regardless of your policy type, all motor home policies include the following coverage:

  • Towing and roadside assistance
  • Emergency expenses coverage
  • Personal property replacement coverage
  • Vacation liability coverage

Specialized Discounts for RVs

Want to save more on your policy? Ask your agent about the following foremost discounts designed for RV owners:

  • Multi-policy discounts, which apply to policies with all Farmers’ companies
  • Factory-installed airbag discount
  • Anti-lock brakes discount
  • Paperless discount
  • Multi-car discount
5. Best Auto Insurance for Drivers With a Bad Record in Wyoming - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

State Farm has the most number of agents in Wyoming, the third-highest customer service rating, and the cheapest rates if you have a bad driving record. If you’ve had an accident, DUI, or moving violation, we recommend asking for a quote from State Farm.

ProsWho It's Best For
  • pro
    People with a DUI, speeding ticket, or accident on their record
  • pro
    Someone who wants to work with a local agent
  • pro
    Someone on a budget
  • pro
    Safe teen drivers
ConsWho It's Not Best For
  • con
    People who want gap insurance

Cheapest Rate After an Accident

Insurance prices nearly doubled for drivers in Wyoming after an accident, averaging $1,836 annually. If you have an accident on your record, State Farm is your best bet for finding the most affordable prices.

Company Monthly average premium Annual average premium
State Farm $113 $1,356
GEICO $117 $1,404
Farmers $135 $1,620
Allstate $162 $1,944
Progressive $190 $2,280
Travelers $201 $2,412

Cheapest Rate After a DUI

With 7.6 fatalities per capita, Wyoming has the highest drunk fatality rate in the country. It also had the third-highest DUI arrest rate at 0.81 percent of all licensed drivers, which is 57 percent higher than the national average of 0.35 percent.7

Insurance providers nearly double their rates after a DUI, raising the average cost to $1,988. With State Farm, you’ll find lower average rates and several safety discounts to incentivize smarter driving habits.

Company Monthly average premium Annual average premium
State Farm $123 $1,476
GEICO $134 $1,608
Allstate $165 $1,980
Farmers $171 $2,052
Progressive $194 $2,328
Travelers $212 $2,544

Cheapest Rate After a Speeding Ticket

Drivers with a speeding ticket tend to file more claims than the average driver, which leads insurance companies to increase their premiums. Like with DUIs and accidents, State Farm offers the most affordable rates if you’ve received a speeding ticket or moving violation.

Company Monthly average premium Annual average premium
State Farm $107 $1,284
GEICO $112 $1,344
Farmers $154 $1,848
Progressive $171 $2,052
Allstate $187 $2,244
Travelers $196 $2,352

Frequently Asked Questions

Which car insurance companies are best for seniors in Wyoming?

With average rates starting at around $1,100, American National and State Farm offer the best rates for seniors in Wyoming.

Do I need an SR-22 in Wyoming?

If you have a DUI or other serious violation of your record, the state might require you to file an SR-22 to drive legally in Wyoming. An SR-22 is a certificate that proves you have the minimum insurance requirements to drive legally in the state.

Is uninsured/underinsured motorist coverage required in Wyoming?

Uninsured/underinsured motorist coverage is not required in Wyoming. However, we recommend you add it to your policy to protect you from hit-and-runs and accidents with uninsured drivers.

Do I need insurance immediately after buying a car to drive it legally in Wyoming?

You need car insurance before you purchase a vehicle; otherwise, you won’t be able to drive it off the dealership. If you already have insurance, you should ask your agent about whether or not your insurance will automatically cover a new vehicle for a brief period following your purchase.

Methodology

  • Proprietary data: Our decades of experience connecting customers to insurance providers have taught us which providers offer the best plans based on your region, driving profile, and coverage needs. We leverage millions of data points from those transactions to make recommendations for drivers in Wyoming based on what has worked for other drivers in the past.
  • Third-party studies: Third-party studies from index ranking systems like J.D. Power, S&P Global, AM Best, and others offer insights into the efficacy of a provider’s customer service team, financial strength, claims satisfaction, and more. We leverage these studies as objective measures for how well insurance companies communicate with customers and get them back on the road after an accident.
  • Insider knowledge: We’re fortunate to consult with Paul Ford, president of insurance at Centerfield. Paul has 30 years of experience in the industry, with terms at NetQuote, Datalot, Canadian Access, Insurance Services, and others. His expertise and insights help inform our auto insurance recommendations and strategies.

Citations

  1. Fatality Facts 2021: State by state. IIHS HLDI. (2024).
    https://www.iihs.org/topics/fatality-statistics/detail/state-by-state

  2. 2022 Market Share Reports For Property/Casualty Groups and Companies by State and Countrywide. National Association of Insurance Commissioners. (2023, Sep).
    https://content.naic.org/sites/default/files/publication-msr-pb-property-casualty.pdf

  3. U.S. States With the Most Motorcycles. TitleMax. (2024).
    https://www.titlemax.com/discovery-center/planes-trains-and-automobiles/u-s-states-with-the-most-motorcycles/

  4. Map Monday: Homeownership. National Conference of State Legislatures. (2023, Aug 28).
    https://www.ncsl.org/resources/map-monday-homeownership

  5. AM Best Takes Various Credit Rating Actions on The Allstate Corporation and Its Key Subsidiaries. AM Best. (2023, Aug 9).
    https://news.ambest.com/pr/PressContent.aspx?refnum=33650&altsrc=2

  6. Which U.S. States Spend the Most on RVs Per Capita? TitleMax. (2024).
    https://www.titlemax.com/discovery-center/planes-trains-and-automobiles/which-u-s-states-spend-the-most-on-rvs-per-capita/

  7. DUIs Arrests and Fatalities Across the US. American Addiction Centers by Alcohol.org. (2023, Jan 17).
    https://alcohol.org/guides/dui-arrests-fatalities-across-us/