Home Car insurance Car insurance rates by state Cheapest car insurance in Wyoming Cheapest car insurance in Wyoming In Wyoming, American National offers the cheapest auto insurance rates at $827 annually. 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: May 26, 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. 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 Key Takeaways American National has the cheapest car insurance in Wyoming, with an average annual cost of $827, which is 53% less than the state average.American National offers affordable car insurance at $1,384 per year to Wyoming drivers with a history of at-fault accidents.82007 is the cheapest ZIP code for auto insurance rates in Wyoming at $1,674 annually. Cheap car insurance companies in WyomingAmerican 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.CompanyAverage annual ratesAmerican National$827State Farm$1,521Farmers$1,623GEICO$2,514Allstate$2,831USAA*$1,230 *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 WyomingThe 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.ZIP codeCityAverage annual rates82007Cheyenne$1,67482001Cheyenne$1,67682009Cheyenne$1,67682801Sheridan$1,70282833Big Horn$1,70282839Ranchester$1,70282845Wyarno$1,70282832Banner$1,70982842Story$1,70982836Dayton$1,709Auto 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 cityCasperCheyenneGilletteCheapest car insurance in Wyoming by ageIn 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.Age groupFull coverage annual premiumsTeens (16-19)$5,037Young Adults (20-24)$2,817Adults (25-60)$1,730Seniors (65-75)$1,743 You might find interesting The best, cheapest car insurance in WyomingWyoming car insurance calculatorNon-owner car insurance in Wyoming: Which company has the cheapest rates?Cheapest SR-22 insurance in WyomingBest and cheapest companies for home and auto bundles in Wyoming Cheapest car insurance in Wyoming by driver historyYour 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 WyomingHere are the top three companies that offer cheap car insurance after a speeding ticket:American National: $1,193 per yearState Farm: $1,642 per yearFarmers: $2,288 per yearAccording to Insure.com data, a single speeding ticket can increase your rates by 40% or $704 in Wyoming.Getting a speeding ticket can be costly. You will have to pay a fine, and your insurance rates may go up. If you’re looking for the cheapest car insurance costs in Wyoming, below are some insurers that offer cheap car insurance after a speeding ticket.CompanyAverage annual premiumNew rate after accident% Increase$ 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 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in WyomingBelow are the top three insurance companies that provide affordable car insurance rates after an accident.American National: $1,384 per yearState Farm: $1,765 per yearFarmers: $2,285 per yearAmerican National has the cheapest auto insurance rates for Wyoming drivers after an at-fault accident at $1,384 a year.If you’re responsible for an accident, expect your car insurance rates to increase. However, you can still shop around to find affordable car insurance rates.Below, you’ll find a list of companies that offer affordable car insurance for drivers with an accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ 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 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after a DUI conviction in WyomingBelow is a list of the top three companies offering affordable car insurance following a DUI conviction.American National: $1,565 per yearState Farm: $1,642 per yearAllstate: $3,495 per yearIf you’ve recently been convicted of a DUI, you might be concerned about how it will impact your car insurance rates. Most insurance companies will consider you a high-risk driver and increase your premiums. But some insurers offer relatively affordable rates.The table below outlines the insurance companies that offer the most affordable car insurance rates following a DUI conviction.CompanyAverage annual premiumNew rate after accident$ 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% *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in WyomingWhile 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 thoughtsWhen 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.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 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 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. Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinShow moreShivani 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in WyomingHow we choose the cheapest car insurance companies in WyomingCheapest ZIP codes for car insurance in WyomingCheapest car insurance in Wyoming by ageCheapest car insurance in Wyoming by driver historyAverage car insurance cost in WyomingFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330