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Michelle Lambright Black is a credit expert, content writer, and founder of CreditWriter.com. She has more than 20 years of experience writing and speaking about credit and money and has been writing for Compare.com since 2023.
Michelle’s work has appeared in publications such as Yahoo! Finance, Reader’s Digest, Parents, FICO, Forbes, Bankrate, The Seattle Times, MarketWatch, BuySide from Wall Street Journal, USA Today, Insurify, and more.
In her writing, she focuses on helping families and small business owners make smart, informed decisions about their credit, money, and financial products (including insurance).
Michelle is also a three-time finalist for the best personal finance freelancer award from the Plutus Foundation.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Wyoming drivers pay an average of $82 per month for auto insurance, according to Compare.com data. That’s less than the national average, partly because it’s the least populated state in the country.[1] But your individual insurance rates can vary — sometimes dramatically.
Some insurance companies offer rates well below the state average. For example, several insurers boast average rates as low as $18 per month.
We’ll tell you how to find the cheapest car insurance companies in Wyoming for different driver types and how to pick the right insurer. We’ll also give you tips on how to save money on your car insurance.
Wyoming drivers pay an average of $56 per month for liability-only car insurance and $108 per month for full coverage.
Teens pay quite a bit more, averaging a staggering $192 per month for full coverage.
Wyoming requires all drivers to have 25/50/20 of liability coverage.
No matter what average Wyoming car insurance rates cost, you could save money by shopping around. Several insurance companies offer rates below the statewide average. The table below shows the cheapest car insurance companies in Wyoming, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $26 |
| State Farm | $28 |
| Farmers | $43 |
| GEICO | $44 |
| Allstate | $48 |
| Safeco | $58 |
| Dairyland | $62 |
| Direct Auto | $62 |
| Bristol West | $68 |
| Foremost | $129 |
The auto insurers above are a good starting point, but finding the cheapest Wyoming car insurance depends on your circumstances. The price of your policy will vary based on personal factors like your driving record, age, credit history, and more. That’s why you should compare quotes from several insurers to find the best rates.
The following sections break down the cheapest Wyoming car insurance companies for different drivers and coverage options, according to Compare.com data.
Comparing quotes can save you up to $867.†
Wyoming, like most other states, requires drivers to have auto insurance coverage before getting behind the wheel. But experts recommend buying more than the required state-minimum coverage to protect yourself financially in a car accident.
The average monthly minimum-coverage rate in Wyoming is $56 per month. If you need basic coverage, the table below outlines the five cheapest minimum-coverage insurers, according to Compare.com data.
Most drivers should consider full-coverage auto insurance because it offers the most comprehensive financial protection. On top of liability insurance, full-coverage policies can include comprehensive, collision, and uninsured/underinsured (UM/UIM) motorist coverage. If you finance or lease your car, your lender usually requires you to have full coverage.[2]
Wyoming drivers pay an average of $108 per month for car insurance. But even with these higher rates, several insurers offer full coverage for close to the average liability price in Wyoming.
Check out the chart below for the five cheapest full-coverage auto insurers in Wyoming, according to Compare.com data.
Teen drivers pay some of the highest premiums of any age group. Younger drivers have less experience and take more risks on the road.[3]
The average car insurance rate for teens in Wyoming is $146 per month. While that’s higher than the state average, you can still find a good deal if you shop around and compare auto insurance quotes.
The chart below highlights the five cheapest Wyoming car insurance companies for teens, according to Compare.com data.
Senior drivers typically pay some of the cheapest car insurance rates. Older drivers tend to have more driving experience, drive less often, and obey the rules of the road.
Wyoming seniors pay an average of $72 per month for car insurance. But even with these low average rates, you can likely find a better deal if you take the time to shop around and compare quotes.
Below, you’ll find the five cheapest insurance companies in Wyoming for seniors, based on Compare.com data.
If you get a speeding ticket, your car insurance rates will likely go up the next time your policy renews. Our data shows that even a single speeding ticket can cause average auto insurance rates to increase by 37% nationwide.
The average rate for people with a recent speeding ticket in Wyoming is $94 per month. But traffic violations don’t automatically mean you have to pay more for car insurance.
The chart below shows the five cheapest insurers in Wyoming for people with a recent ticket, according to Compare.com data.
Causing a car accident can be an expensive mistake, and not just when it comes to repairs. Accidents can cause higher insurance rates, too. Our research shows that even one at-fault accident causes average premiums to increase by 41% nationwide.
In Wyoming, drivers with a recent accident pay an average of $112 per month for car insurance. Still, you can often find cheap car insurance after an accident with one of the five insurers below.
Here are the five cheapest insurers in Wyoming for drivers with a recent accident, according to Compare.com data.
A driving under the influence (DUI) conviction causes the biggest increase in insurance rates of all driving violations. Our research shows that average car insurance rates increase by 61% nationwide after a DUI conviction.
In Wyoming, the average monthly rate for a driver with a DUI is $111 per month. But you could still find more affordable options, depending on your circumstances.
Below, you’ll find the five cheapest auto insurers in Wyoming for drivers with a DUI, according to Compare.com data.
Wyoming allows insurers to consider your credit history when pricing premiums. Insurers use credit-based insurance scores to help predict your likelihood of filing a claim.[4] Compare.com research shows that drivers with poor credit pay around 20% more for car insurance than people with excellent credit.
Wyoming drivers with poor credit pay an average of $104 per month for car insurance. But not all companies use credit, and some insurers offer affordable rates regardless of credit history.
The chart below shows Wyoming’s five cheapest insurers for drivers with poor credit, according to Compare.com data.
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No single car insurance is best for every type of driver. But to help you make the right choice, we analyzed average rates, available discounts, and customer reviews to find the best insurers in Wyoming.
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| 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. | $103/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. | $171/mo |
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
Progressive offers some of the cheapest liability rates of any car insurance company in Wyoming, according to Compare.com research. The company also offers more than a dozen discount programs, including a good student discount, homeowner discount, paid-in-full discount, and more.
The company could also be a good choice for drivers who want to bundle their home and auto insurance policies. But Progressive ranks below average for customer satisfaction in the Northwest region by J.D. Power.
Cheap liability rates
Many available discounts
Accident forgiveness available
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers appreciate the competitive rates and user-friendly app but dislike the poor inter-department communication and high payments.
Drivers appreciate the competitive rates and user-friendly app but dislike the poor inter-department communication and high payments.
Dairyland may be a solid choice for Wyoming drivers looking for affordable, no-frills car insurance. The auto insurer stands out for offering competitive rates, especially to high-risk drivers. Dairyland also lets you easily manage your policy or file a claim with its website or mobile app.
That said, Dairyland may not be the right choice for every driver. The company doesn’t offer as many discounts as some of its competitors. And drivers who want the chance to save using a telematics program will have to look elsewhere.
Affordable rates
User-friendly mobile app and website
Superior financial strength rating from AM Best[7]
No telematics program
Few available discounts
Higher rates for some drivers
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Safeco offers competitive rates for Wyoming drivers shopping for lower insurance rates or basic coverage options. The insurer offers a few standout perks, including a diminishing deductible that rewards safe driving and a cash-back program for staying claims-free.
But Safeco may not work for everyone. The company has an outdated quoting process and low customer satisfaction ratings in the Northwest region. The insurer also doesn’t offer gap insurance coverage, which could be an issue if you’re leasing your vehicle.
Competitive rates
Diminishing deductible available
Cash back for being claims-free
Lower-than-average customer satisfaction rating in the Northwest region
Quotes not available online
Gap coverage not available
Local rates start as low as $18 per month.
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Like almost every other state, Wyoming requires all drivers to have car insurance. To legally drive in Wyoming, you need to have at least:
$25,000 per person of bodily injury liability coverage
$50,000 per accident of bodily injury liability coverage
$20,000 of property damage liability coverage[8]
Most experts recommend purchasing more than the state’s minimum liability limits. Buying minimum coverage could leave you financially vulnerable if you cause an accident. The average cost of an accident with injuries was $44,000 in 2023, according to the National Safety Council.[9]
Keep in mind that driving without at least state-minimum coverage isn’t only reckless, it’s illegal. Suppose you’re in a car accident in Wyoming that causes more than $1,000 in property damage or injury to anyone outside your immediate household. In that case, you must provide proof of liability insurance. If you can’t, you could have your license suspended.
Below, we answered some commonly asked questions about Wyoming car insurance.
The average monthly car insurance rate in Wyoming is $82 per month, according to Compare.com data. Drivers pay $56 per month for liability-only coverage and $108 per month for full coverage.
It depends. Wyoming drivers pay an average of $82 per month, compared to the national average of $143 per month. How much you pay for car insurance depends on several factors, including your age, driving record, credit history, and ZIP code.
Wyoming law requires drivers to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $20,000 of property damage liability coverage.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Michelle Lambright Black is a credit expert, content writer, and founder of CreditWriter.com. She has more than 20 years of experience writing and speaking about credit and money and has been writing for Compare.com since 2023.
Michelle’s work has appeared in publications such as Yahoo! Finance, Reader’s Digest, Parents, FICO, Forbes, Bankrate, The Seattle Times, MarketWatch, BuySide from Wall Street Journal, USA Today, Insurify, and more.
In her writing, she focuses on helping families and small business owners make smart, informed decisions about their credit, money, and financial products (including insurance).
Michelle is also a three-time finalist for the best personal finance freelancer award from the Plutus Foundation.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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