Home Car insurance Car insurance rates by state Low-cost car insurance in Wyoming Low-cost car insurance in Wyoming Our data shows American National delivers the lowest car insurance rates in Wyoming. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 23, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Wyoming, American National offers the cheapest average premium at $827 per year. For comparison, the statewide average monthly cost is $146, though individual rates vary depending on your driving profile, location, and vehicle. Every state sets its own car insurance rules. In Wyoming, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.Below, we highlight which insurers provide the most affordable rates across different driver categories. Key Takeaways American National offers the lowest car insurance rates in Wyoming, at $827 per year, which is about 53% the state average.American National has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $1,384.The ZIP code 82007 has the low-cost car insurance rates in Wyoming, at an average annual rate of $1,674. Low-cost car insurance companies in WyomingAmerican National offers the lowest car insurance rates in Wyoming, with an average annual premium of $827 per year. It’s 53% less expensive than the average car insurance cost in Wyoming. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.Below are the annual rates from low-cost car insurance companies..CompanyAverage annual ratesAmerican National$827State Farm$1,521Farmers$1,623GEICO$2,514Allstate$2,831USAA*$1,230*USAA is only available to military community members and their families.Powered by:How we choose low-cost car insurance companies in Wyoming 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined ZIP codes with the cheapest car insurance in WyomingDrivers in 82007 benefit from the lowest average premium in the state, at $1,674 per year. See the table below to find other ZIP codes in Wyoming where insurance tends to be cheaper.ZIP codeCityAverage annual rates82007Cheyenne$1,67482001Cheyenne$1,67682009Cheyenne$1,67682801Sheridan$1,70282833Big Horn$1,70282839Ranchester$1,70282845Wyarno$1,70282832Banner$1,70982842Story$1,70982836Dayton$1,709Powered by: You might find interesting Explore related topics Average car insurance cost in WyomingCar insurance calculator for teens in WyomingCheapest SR-22 insurance in WyomingDo you need insurance to register a car in Wyoming?Non-owner car insurance in Wyoming: Which company has the cheapest rates?The best, cheapest car insurance in WyomingWyoming car insurance calculatorWyoming car insurance: Rates, state minimum requirements and best companiesBest and cheapest companies for home and auto bundles in WyomingSee more Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Wyoming by citySee rates in your cityCasperCheyenneGillette Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Low-cost car insurance in Wyoming by ageYoung drivers often face the highest premiums. In Wyoming, for example, a 16-year-old pays $4,506 more than a 40-year-old driver.The table below shows how rates change by age group.Age groupFull coverage annual premiumsTeens (16-19)$5,037Young Adults (20-24)$2,817Adults (25-60)$1,730Seniors (65-75)$1,743Powered by:Low-cost car insurance in Wyoming by driver historyInsurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.Low-cost car insurance after a speeding ticket in WyomingOne speeding ticket in Wyoming can cause your insurance rates to jump by 40%, or roughly $704 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseAmerican National$827$1,19344%$366State Farm$1,521$1,6428%$121Farmers$1,623$2,28841%$665Allstate$2,831$3,22914%$398GEICO$2,514$4,99299%$2,478USAA*$1,230$1,39413%$164*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after an accident in Wyoming American National offers the lowest car insurance rates to drivers after an at-fault accident at $1,384 a year. If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseAmerican National$827$1,38467%$557State Farm$1,521$1,76516%$244Farmers$1,623$2,28541%$662GEICO$2,514$3,77850%$1,264Allstate$2,831$3,87037%$1,039USAA*$1,230$1,55526%$325*USAA is only available to military community members and their families.Powered by:Low-cost car insurance after a DUI in WyomingBeing labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Wyoming offer the most affordable rates after a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseAmerican National$827$1,565$73889%State Farm$1,521$1,642$1218%Allstate$2,831$3,495$66423%Farmers$1,623$3,620$1,997123%GEICO$2,514$6,449$3,935157%USAA*$1,230$2,228$99881%*USAA is only available to military community members and their families.Powered by:Average cost of car insurance WyomingWhile full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.In Wyoming, the average cost of full coverage is $137 less compared to the national average.We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.What is full coverage car insurance?Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.If you lease or finance your vehicle in Wyoming, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.The bottom line on saving and staying protectedIt’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Wyoming.MethodologyInsure.com gathered data from Quadrant Information Services to get car insurance rates in Wyoming. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles..We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)We determined the premiums for a high-risk driver with the following incidents applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinShow more states No matches are found In case you missed it The most expensive and cheapest cars to insure in 2025 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Low-cost car insurance companies in WyomingHow we choose low-cost car insurance companies in WyomingZIP codes with the cheapest car insurance in WyomingLow-cost car insurance in Wyoming by ageLow-cost car insurance in Wyoming by driver historyAverage cost of car insurance WyomingWhat is full coverage car insurance?The bottom line on saving and staying protectedMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330