Best & Cheapest Car Insurance in Wyoming as Rated by Customers in 2024
While we see advertisements from car insurance companies on a daily basis promising low rates and great coverage, it can be tough to truly know which is the best Wyoming car insurance company for you. Unless you’ve held a car insurance policy from a company previously, how can you know how they treat their policyholders?
Comparing average costs is much simpler than you might think. By entering your zip code and answering a few other questions, you can get quotes to compare average costs in minutes.
At Clearsurance, we hope to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Wyoming. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Wyoming car insurance companies. While getting rates is a good start, our reviews can help you find the companies other customers love.
In the table above, you can sort through all the Wyoming car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Wyoming car insurance rankings.
Interested in learning more about one of these Wyoming car insurance companies? Clearsurance reviews companies for drivers with clean driving records and those who like to test the speed limit. You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.
On this page:
- Who offers the cheapest teen car insurance rates in Wyoming?
- Who offers the cheapest car insurance rates for a married couple in Wyoming?
- Who offers the cheapest senior car insurance rates in Wyoming?
- 10 Cheapest areas in Wyoming for car insurance
- 10 Most expensive areas in Wyoming for car insurance
- Minimum car insurance coverage and limits in Wyoming
Who offers the cheapest teen car insurance rates in Wyoming?
For female teens in Wyoming, the company that offers the cheapest car insurance rates on average is Farmers Insurance Group. For male teens, the cheapest rates on average are found from Geico. In the table below, you can find Wyoming teen car insurance rates for male and female drivers. The average premiums are listed for the five largest car insurance companies in Wyoming. As you can see, rates are significantly higher for male teens across the board, but the smallest difference in annual premiums exists with Safeco and State Farm.
| Company | Female teen rates | Male teen rates |
|---|---|---|
| Allstate Insurance | $1,495 | $1,962 |
| Farmers Insurance Group | $492 | $796 |
| Geico | $532 | $618 |
| Safeco Insurance | $575 | $653 |
| State Farm Insurance Company | $589 | $660 |
These rates are based on profiles for 18-year-old male and female drivers in Wyoming. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Wyoming will differ. Rate data is provided by Quadrant Information Services.
Who offers the cheapest car insurance rates for a married couple in Wyoming?
Out of the most popular companies in Wyoming, Safeco offers the cheapest car insurance rates for married couples in the state on average. Due to increase stability and financial strength with combined income, the liability per person is naturally lower. With evidence of financial responsibility and a clean driving record, anything from minimum coverage to comprehensive insurance can be more affordable.
| Company | Married couple rates |
|---|---|
| Allstate Insurance | $1,916 |
| Farmers Insurance Group | $2,306 |
| Geico | $2,366 |
| Safeco Insurance | $1,333 |
| State Farm Insurance Company | $1,576 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wyoming will differ. Rate data is provided by Quadrant Information Services.
Who offers the cheapest senior car insurance rates in Wyoming?
Safeco provides the cheapest car insurance rates for male and female senior drivers in Wyoming on average when compared to some of the other largest auto insurers in the state. Auto insurance quotes are typically cheaper for seniors across the country. Age is never the only factor, though. So always shop around based on your unique profile with driving history and other factors.
| Company | Female senior rates | Male senior rates |
|---|---|---|
| Allstate Insurance | $988 | $1,082 |
| Farmers Insurance Group | $1,063 | $1,063 |
| Geico | $1,591 | $1,591 |
| Safeco Insurance | $517 | $609 |
| State Farm Insurance Company | $854 | $854 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wyoming will differ. Rate data is provided by Quadrant Information Services.
10 Cheapest areas in Wyoming for car insurance
While age and marital status affect the cost of car insurance, so does where you live. Wyoming car insurance rates vary based on the city and neighborhood you live in. The table below displays the top 10 most expensive areas in Wyoming for car insurance based on average rates for a single adult.
| Area | Car insurance rates |
|---|---|
| Elk Mountain | $1,299 |
| Hanna | $1,299 |
| Shirley Basin | $1,299 |
| Sinclair | $1,299 |
| Walcott | $1,299 |
| Baggs | $1,300 |
| Dixon | $1,300 |
| Encampment | $1,300 |
| Medicine Bow | $1,300 |
| Rawlins | $1,300 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wyoming will differ. Rate data is provided by Quadrant Information Services.
10 Most expensive areas in Wyoming for car insurance
When looking at the average car insurance rates in Wyoming, rates vary based on your location. The table below displays the top 10 most expensive areas in Wyoming for car insurance based on average rates for a single adult.
| Area | Car insurance rates |
|---|---|
| Alta | $1,421 |
| Wilson | $1,404 |
| Teton Village | $1,404 |
| Jackson | $1,404 |
| Moose | $1,401 |
| Kelly | $1,399 |
| Moran | $1,398 |
| Superior | $1,397 |
| Weston | $1,396 |
| Recluse | $1,396 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Wyoming will differ. Rate data is provided by Quadrant Information Services.
Minimum car insurance coverage and limits in Wyoming
Wyoming drivers are required to have two types of auto insurance coverage: liability and uninsured motorist for bodily injury. Liability insurance protects you against damages you cause, or injuries to other drivers and their passengers in an at-fault accident, up to your policy’s limits.
Uninsured motorist for bodily injury coverage protects you from injuries sustained in an accident caused by a hit-and-run driver or a driver who doesn’t have insurance. According to 2015 data from the Insurance Information Institute, 7.8 percent of Wyoming drivers are without insurance. It’s important to note that this coverage does not include property damage, so you’d still be on the hook for damages to your car caused by a hit-and-run driver or a driver without insurance.
In order to have your car covered in these situations — or in accidents you cause yourself — you’ll need to purchase collision insurance. Another optional coverage to consider is comprehensive coverage, which covers your vehicle for damages not related to an accident, such as hail or theft. Additional optional coverages in Wyoming include medical expense coverage, roadside assistance and rental reimbursement.
Wyoming’s required minimums for liability and uninsured motorist for bodily injury coverage are detailed below, but it’s important to keep in mind that these minimums may not be enough to cover the costs of a serious accident. It would be wise to consider purchasing higher limits to ensure you have sufficient protection.
Wyoming state minimum requirements:
Liability:
- Bodily injury — $25,000 per person
- Bodily injury — $50,000 per accident
- Property damage — $20,000 per accident
Bodily injury caused by an uninsured motorist:
- $25,000 per person
- $50,000 per accident
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
How car insurance rates are calculated in Wyoming
When searching and comparing quotes from the best auto insurance companies in Wyoming, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Your driving record
- How much you drive
- Location
- Age
- Marital status
- Gender
- Your car’s make, model and year
- Your credit history
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)
One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
Something drivers in Wyoming need to keep in mind is the severe weather that the state experiences. Wyoming ranks number one as the worst state for fatal winter crashes across the United States. Drivers should take extra precautions and be aware that if there are an increase in the number of accidents, it could affect car insurance rates.
How to save money on your car insurance in Wyoming
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Wyoming car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are six ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop for better insurance rates
How Clearsurance rates and ranks the best car insurance companies in Wyoming
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Car insurance guide
Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.
Frequently Asked Questions
Who offers the cheapest teen car insurance rates in Wyoming?
For female teens in Wyoming, the company that offers the cheapest car insurance rates on average is Farmers Insurance Group. For male teens, the cheapest rates on average are found from Geico.
Who offers the cheapest car insurance rates for a married couple in Wyoming?
Out of the most popular companies in Wyoming, Safeco offers the cheapest car insurance rates for married couples in the state on average.
Who offers the cheapest senior car insurance rates in Wyoming?
Safeco provides the cheapest car insurance rates for male and female senior drivers in Wyoming on average when compared to some of the other largest auto insurers in the state.