Wyoming drivers pay an average of $78 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 insurance rates can vary — sometimes dramatically. Some insurance companies even offer rates well below the state average.
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.
The cheapest insurance company in Wyoming, USAA, has an average liability insurance rate of $24 per month.
Wyoming drivers pay an average of $55 per month for liability-only car insurance and $102 per month for full coverage.
Progressive, Dairyland, and Safeco are three of the top car insurance companies in Wyoming.
The Best Auto Insurance Companies in Wyoming
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 | 3.6 |
|---|---|
| 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. | $89/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. | $154/mo |
Progressive's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.6 | 2.9 |
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.
| 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. | 3.9 /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. | $65/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. | $153/mo |
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 car insurance 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[4]
No telematics program
Few available discounts
High volume of complaints about customer service and claims experience
| User Reviews | 3.8 |
|---|---|
| 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 /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. | $56/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. | $102/mo |
Safeco Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.0 | 2.9 |
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 low customer satisfaction ratings in the Northwest region.
Competitive rates
Diminishing deductible available
Cash back for being claims-free
Lower-than-average customer satisfaction rating in the Northwest region
RightTrack telematics program could raise your rates if it detects poor driving habits
Loan and Lease coverage limited to collision and comprehensive policyholders
The Cheapest Car Insurance Companies in Wyoming
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 | $24 |
| State Farm | $26 |
| Farmers | $40 |
| GEICO | $41 |
| Allstate | $45 |
| Safeco | $56 |
| Direct Auto | $62 |
| Dairyland | $65 |
| Bristol West | $66 |
How Much Car Insurance Do You Need In Wyoming?
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[5]
Full-coverage insurance includes liability, collision, and comprehensive coverage. It extends coverage beyond the state’s minimum required coverage and protects your vehicle in the event of a car accident, severe weather, and more.
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.[6]
That said, you may not need a full-coverage policy if you drive an old, low-value vehicle or if you can afford to cover out-of-pocket vehicle repair or replacement costs.
You may want to consider the following optional car insurance coverages for more protection:
Collision
If you have a car accident or collide with a pole, collision insurance can help pay to repair or replace your vehicle.
Comprehensive
Comprehensive insurance covers vehicle damage or loss that doesn’t occur during an accident, such as from severe weather, falling objects, vandalism, and theft.
Uninsured/underinsured motorist (UM/UIM)
UM/UIM insurance can help cover your damage and injuries if you have an accident with an uninsured or underinsured driver.
Roadside assistance
You can purchase a roadside assistance add-on, which can come in handy if you need a jump-start, tire change, tow, or other services.
Gap
If you total your car, gap insurance can pay the difference between your car’s value and what you still owe on your vehicle loan or lease.[7]
Category | Price |
|---|---|
| $77 | 3.9% |
| $96 | 5.3% |
| $115 | 7.0% |
| $133 | 7.9% |
| $152 | 7.9% |
| $171 | 8.4% |
| $189 | 8.0% |
| $208 | 7.1% |
| $227 | 6.8% |
| $245 | 6.1% |
| $264 | 5.2% |
| $283 | 4.8% |
| $301 | 4.0% |
| $320 | 3.7% |
| $339 | 3.3% |
| $357 | 2.7% |
| $376 | 2.5% |
| $395 | 2.1% |
| $413 | 1.8% |
| $432 | 1.6% |
Cheapest Car Insurance in Wyoming by Driver and Coverage Type
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.
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 $55 per month. If you need basic coverage, the table below outlines the five cheapest minimum-coverage insurers, according to Compare.com data.
The below rates in Wyoming are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.Average Liability Rates by Company
CompanyAverage Monthly PremiumUSAA $24 State Farm $26 Farmers $40 GEICO $41 Allstate $45 Safeco $56 Direct Auto $62 Dairyland $65 Bristol West $66 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.[8]
Wyoming drivers pay an average of $102 per month for full-coverage 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,
The below rates in Wyoming are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.Average Full-Coverage Rates by Company
CompanyAverage Monthly PremiumUSAA $52 State Farm $57 Farmers $88 GEICO $90 Allstate $98 Safeco $102 Direct Auto $111 Dairyland $153 Bristol West $172
Compare Real-Time Car Insurance Quotes in Wyoming
Rates in Wyoming start at $24 per month.
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 $158 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.
The below rates in Wyoming are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.Average Rates With a Ticket
CompanyAverage Monthly PremiumUSAA $40 State Farm $43 Farmers $67 GEICO $69 Allstate $76 Safeco $95 Direct Auto $102 Dairyland $106 Bristol West $109 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 $108 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.
The below rates in Wyoming are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.Average Rates With an Accident
CompanyAverage Monthly PremiumUSAA $33 State Farm $35 Farmers $55 GEICO $55 Allstate $62 Safeco $80 Direct Auto $86 Dairyland $88 Bristol West $89 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 $95 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.
The below rates in Wyoming are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.Average Rates With a DUI
CompanyAverage Monthly PremiumUSAA $32 State Farm $34 Farmers $53 GEICO $54 Allstate $60 Safeco $79 Direct Auto $82 Dairyland $86 Bristol West $88 Teen drivers pay some of the highest premiums of any age group. Younger drivers have less experience and take more risks on the road.[9]
The average car insurance rate for teens in Wyoming is $158 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.
The below rates in Wyoming are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.Average Rates for Teens
CompanyAverage Monthly PremiumUSAA $47 State Farm $53 GEICO $79 Farmers $84 Allstate $94 Safeco $120 Dairyland $120 Bristol West $124 Direct Auto $127 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 $69 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.
The below rates in Wyoming are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.Average Rates for Seniors
CompanyAverage Monthly PremiumUSAA $20 State Farm $21 Farmers $32 GEICO $33 Allstate $37 Safeco $50 Direct Auto $52 Bristol West $56 Dairyland $56 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.[10] 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 $98 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.
The below rates in Wyoming are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.Average Rates With Bad Credit
CompanyAverage Monthly PremiumUSAA $29 State Farm $37 Farmers $49 GEICO $50 Allstate $55 Safeco $69 Direct Auto $76 Dairyland $80 Bristol West $81
Find the Best Company for You
Rates start as low as $24 per month.
Wyoming Auto Insurance FAQs
Below, we answered some commonly asked questions about Wyoming car insurance.
How much is car insurance in Wyoming?
The average monthly car insurance rate in Wyoming is $78 per month, according to Compare.com data. Drivers pay $55 per month for liability-only coverage and $102 per month for full coverage.
Is car insurance in Wyoming expensive?
It depends. Wyoming drivers pay an average of $78 per month, compared to the national average of $140 per month. How much you pay for car insurance depends on several factors, including your age, driving record, credit history, and ZIP code.
How much car insurance does Wyoming require?
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.
What’s the best car insurance company in Wyoming?
The best car insurance company in Wyoming will depend on your coverage needs, budget, and more. That said, we’ve identified Progressive, Dairyland, and Safeco as a few of the best auto insurers for Wyoming drivers to consider.
Is minimum coverage enough in Wyoming?
Most experts recommend drivers purchase more car insurance than the state’s minimum limits. If you have only liability insurance, your coverage won’t pay for repairs to your vehicle following an accident or other damage.
If an accident causes $2,000 in damage to your vehicle, you’re on the hook for those out-of-pocket repair costs. You may want to consider a full-coverage policy, which includes collision and comprehensive insurance.
Sources
- United State Census Bureau. "Wyoming."
- Trustpilot. "Progressive."
- J.D. Power. "2025 U.S. Auto Insurance Study."
- AM Best. "Dairyland Insurance Company."
- Wyoming Department of Transportation. "Frequently Asked Questions."
- National Safety Council. "Cost of Motor Vehicle Injuries."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- National Association of Insurance Commissioners. "What You Should Know About Auto Insurance Coverage."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Experian. "Which States Prohibit or Restrict the Use of Credit-Based Insurance Scores?."
Methodology
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.
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.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
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