Cheapest car insurance in Wyoming

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American National provides the cheapest car insurance in Wyoming at $827 a year. Your rates may vary, but the average premium is $146 per month in Wyoming, according to Insure.com’s rate analysis.

Car insurance requirements vary by state, and in Wyoming, drivers must carry at least the minimum liability coverage: $25,000 for bodily injury protection per person, $50,000 of bodily injury coverage per accident, and $20,000 for property damage per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

Below, we’ve highlighted the most affordable insurance company in each category.

Cheapest overall: American National

$827/year

National avg. rate

Cheapest for at-fault accident: American National

$1,384/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: American National

$1,193/year

Avg. rate after speeding ticket

Cheap car insurance companies in Wyoming

American National offers Wyoming’s most affordable car insurance rates, at $827 per year, 53% less than the state’s annual cost. However, your rate may differ based on personal factors like your driving history, ZIP code and vehicle type.

When looking for auto insurance, make sure to compare quotes from at least three different companies to ensure you’re getting the best coverage.

The table below shows the most affordable car insurance companies and their average annual premiums.

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in Wyoming

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in Wyoming

The 82007 ZIP code in Wyoming has the cheapest auto insurance, with an average price of $1,674 annually. Discover the cheapest ZIP codes for car insurance in Wyoming below.

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.

Cheapest car insurance in Wyoming by age

In Wyoming, young drivers often face higher insurance premiums than adults due to their higher likelihood of being involved in accidents and filing claims. According to an analysis by Insure.com, a 16-year-old driver pays $4,506 more for insurance than a 40-year-old driver.

Below are the cheapest auto insurance rates for Wyoming drivers of different ages.

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Cheapest car insurance in Wyoming by driver history

Your driving history plays a key role in determining your car insurance rates. If you cause an accident or are convicted of a driving offense, your premiums are likely to rise. However, a clean driving record indicates that you are a low-risk driver, which can result in lower insurance costs.

Cheapest car insurance after a speeding ticket in Wyoming

Here are the top three companies that offer cheap car insurance after a speeding ticket:

• American National: $1,193 per year
• State Farm: $1,642 per year
• Farmers: $2,288 per year

According to Insure.com data, a single speeding ticket can increase your rates by 40% or $704 in Wyoming.

Getting a speeding ticket can be costly. You will have to pay a fine, and your insurance rates may go up. If you’re looking for the cheapest car insurance costs in Wyoming, below are some insurers that offer cheap car insurance after a speeding ticket.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in Wyoming

Below are the top three insurance companies that provide affordable car insurance rates after an accident.

• American National: $1,384 per year
• State Farm: $1,765 per year
• Farmers: $2,285 per year

American National has the cheapest auto insurance rates for Wyoming drivers after an at-fault accident at $1,384 a year.

If you’re responsible for an accident, expect your car insurance rates to increase. However, you can still shop around to find affordable car insurance rates.

Below, you’ll find a list of companies that offer affordable car insurance for drivers with an accident on their record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Wyoming

Below is a list of the top three companies offering affordable car insurance following a DUI conviction.

• American National: $1,565 per year
• State Farm: $1,642 per year
• Allstate: $3,495 per year

If you’ve recently been convicted of a DUI, you might be concerned about how it will impact your car insurance rates. Most insurance companies will consider you a high-risk driver and increase your premiums. But some insurers offer relatively affordable rates.

The table below outlines the insurance companies that offer the most affordable car insurance rates following a DUI conviction.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in Wyoming

While full coverage insurance is more expensive than minimum liability insurance, many drivers find the extra cost worth it. In Wyoming, the average cost of full coverage car insurance is $137 less than the national average car insurance cost.

While multiple full coverage limits are available, Insure.com editors recommend getting a policy with 100/300/100 coverage limits for adequate protection.

What is full coverage car insurance in Wyoming?

Full coverage car insurance covers bodily injury liability, property damage liability, collision and comprehensive coverage. Collision insurance helps pay for repairs if your car is damaged in an accident, while comprehensive insurance protects against damage from non-collision events like theft or natural disasters.

In Wyoming, if you’re leasing or financing your car, your lender might require you to purchase collision and comprehensive insurance on top of the state-required liability coverage.

Final thoughts

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to get the cheapest coverage in Wyoming.

Methodology

Insure.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 violation 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 applied

1. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

 

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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.