Updated: November 18, 2024
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State Farm leads in Wyoming's car insurance market with the highest MoneyGeek score, especially for those seeking comprehensive coverage. For minimal coverage policies, State Farm remains the best, while GEICO takes the lead if you have a teen driver.
MoneyGeek also analyzed the cheapest car insurance in Wyoming if cost is your primary consideration, regardless of service quality.
Best Car InsuranceWyomingBest Car Insurance in Wyoming
Why Trust MoneyGeek? We created an insurance scoring system for providers in Wyoming based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Wyoming.
In Wyoming, State Farm ranks as the top car insurance company with a superior MoneyGeek score of 95 out of 100, setting the benchmark high. The scores vary from a high of 95 to a low of 63, displaying a diverse range of performance among insurers. It's critical to note that these figures are based on MoneyGeek's baseline scoring system, and actual scores may differ based on individual driver profiles.
How does MoneyGeek score companies?
When evaluating insurers, overall MoneyGeek scores highly prioritize customer satisfaction and affordability. However, considerable weight is also given to claims experience and the range of coverages offered. These metrics collectively inform MoneyGeek's rankings, ensuring that consumers have a comprehensive view of an insurer’s performance. State Farm leads with a top MoneyGeek score of 95, excelling across all categories, including being ranked number one in customer satisfaction and affordability. Farmers also shows strength, securing the second rank in affordability and featuring comprehensive coverage options.
| State Farm | 95 | $745 |
| Farmers | 88 | $813 |
| GEICO | 64 | $1,035 |
| Allstate | 63 | $992 |
MoneyGeek found that State Farm is the best option in Wyoming for those seeking the best full coverage car insurance, with an outstanding MoneyGeek score and competitive annual premium rates. Here are the top two providers in Wyoming for full coverage:
State Farm stands out in Wyoming due to its exceptional performance across all MoneyGeek scoring categories, particularly in claims handling and customer satisfaction. These are significant factors for consumers looking for reliable and responsive car insurance coverage.
Drivers in Wyoming have various choices with differing costs and service experiences. For those aiming to reduce expenses, MoneyGeek also analyzed the companies offering the cheapest full coverage car insurance in Wyoming. It's advisable for consumers to consider both the quality of the coverage and the price to find an insurance option that best suits their individual needs.
Ranks No. 1 for general customer satisfaction.
Ranks No. 1 for claims handling.
Leads in affordability.
Offers roadside assistance and rental car/travel reimbursement.
Does not excel in customer service with a score of 35.
High satisfaction (35 out of 35) and claims handling (20 out of 20) significantly lift State Farm's impressive MoneyGeek score. The insurer covers both common car insurance needs: roadside assistance and rental car and/or travel reimbursement. For reasonably common coverages, State Farm includes accidental death coverage, a valuable safety net offering a degree of financial protection in a worst-case scenario.
State Farm provides key coverages that enhance a driver's insurance experience. Roadside assistance ensures motorists won't be stranded in the event of a breakdown, offering support services, such as towing and battery jump-starts. Rental car and/or travel reimbursement is instrumental when your vehicle is being repaired after an insured loss, keeping your life mobile and stress-free. Accidental death coverage, while not pleasant to consider, grants beneficiaries financial support following a fatal accident.
MoneyGeek found that Farmers is the best option in Wyoming for top-notch customer service in car insurance.
Farmers stands out in Wyoming with the highest MoneyGeek score, reflecting strong customer satisfaction and claims handling, which are significant contributors to its overall rating. Although Farmers' rates are slightly higher, it does indicate a level of service that consistently meets the needs of its customers.
In Wyoming, car insurance customers encounter a range of companies, each with unique customer service satisfaction levels and claims processing experiences. Excellent customer service and dependable claims experiences are critical for insurance companies, as they provide assurance during stressful times. A quick and fair response to claims can significantly alleviate the challenges faced after an accident or theft, underlining the importance of selecting a reliable provider.
Ranks No. 2 for claims handling.
Offers OEM coverage and custom parts coverage.
Ranks No. 1 for key coverages.
Does not excel in customer service.
Does not offer gap insurance.
Farmers excels in customer satisfaction and coverage, driving its high MoneyGeek score of 90. The insurer includes common car insurance coverages like rental car and/or travel reimbursement and roadside assistance. Offering these two popular services is considered a strong advantage. In terms of reasonably common coverages, Farmers provides new car replacement and accident forgiveness, furnishing owners of new cars and cautious drivers with valuable protection options.
Although rare, OEM coverage is invaluable for drivers looking to maintain the integrity of their vehicle with factory-original parts in the event of repair. Glass deductible modification is also a rare yet beneficial coverage that minimizes out-of-pocket costs for glass repairs. Farmers' hefty satisfaction score of 39 (out of 45) and perfect coverage score of 20 (out of 20) indicate a resilient commitment to customer contentment and comprehensive insurance options, which substantiate the insurer's strong reputation in the market.
MoneyGeek found that State Farm is the best option in Wyoming for those seeking minimum car insurance coverage. When comparing car insurance providers, it is essential to consider the value provided, not just the cost alone. For drivers in Wyoming, the top providers are as follows:
State Farm stands out in Wyoming due to its excellent satisfaction and claims handling scores, significant contributors to its overall MoneyGeek rating. Moreover, State Farm offers the winning annual cost of $209 for a minimum coverage policy, which is the minimum insurance required by law in Wyoming, striking a balance between affordability and quality service.
While numerous companies in Wyoming provide cheap minimum coverage car insurance, purchasing only the minimum required car insurance can lead to substantial financial risk. Minimum coverage often does not sufficiently shield drivers from the high costs that may accrue from accidents, particularly when it comes to property damage and bodily injury to others. As such, drivers might consider opting for more comprehensive coverage for better protection.
Offers both reasonably common and rare discounts.
Ranks No. 2 for cost with an average annual premium of $209 for minimum coverage.
Ranks No. 1 for customer satisfaction.
Leads in claims handling.
Missing common safe driving discount.
State Farm leads with a high MoneyGeek score, largely due to its stellar satisfaction (25 out of 25) and claims (20 out of 20) scores. With an average annual premium of just $209, customers enjoy exceptional coverage without breaking the bank. The company offers a range of reasonably common discounts, such as air bag and anti-theft system, while also providing very rare discounts like daytime running lights.
State Farm provides a comprehensive suite of discounts, including all four of the most common ones: bundling, good student, multiple car and safe driving. This array further speaks to its breadth of discounts. For instance, the anti-lock brakes discount rewards drivers for equipped vehicles with factory-installed ABS, promoting improved safety. Additionally, its new vehicle discount benefits those with cars manufactured from 1994 onwards, offering incentives for driving newer, potentially safer cars.
The insurer commands a high affordability score (36 out of 40), complemented by perfect scores in satisfaction and claims handling. These factors, along with a strong stability score (5 out of 5), are testament to State Farm's commitment to providing quality service and value to its customers.
Driver age significantly influences car insurance rates in Wyoming, with specific costs and relevant coverages and discounts tied to age groups. MoneyGeek found GEICO is the best car insurance option for teens with a MoneyGeek score of 85, providing a balance between satisfaction and affordability at an annual premium of $1,329. For young adults, Farmers takes the lead, scoring 92 with an excellent affinity for affordability at $870 annually. Lastly, State Farm stands out for seniors, achieving a top MoneyGeek score of 95, assuring satisfaction and competitive rates at an annual cost of $647.
Best for teens: GEICO
Best for seniors: State Farm
Best for young adults: Farmers
MoneyGeek found that GEICO is the best option in Wyoming for teens looking for car insurance. With competitive rates and a high MoneyGeek score, it outperforms other providers in the region.
GEICO stands out primarily due to its superior satisfaction and affordability scores, which are significant factors contributing to its overall MoneyGeek score. Not only does it provide excellent service, but it also offers a competitive annual premium for teen policies at $1,329. For those seeking cheap car insurance for a teen in Wyoming, adding them to a family policy is considerably more economical than obtaining a separate policy for the teen.
Insurance costs for adding a teen to a car insurance policy in Wyoming, as in other states, are steep due to the elevated risk associated with insuring young drivers. Teens are statistically more likely to be involved in accidents, which translates to higher insurance premiums to offset potential claims. This makes it imperative for families to look for the most value-focused option available, combining a good MoneyGeek score with an affordable annual premium.
Offers good student and driver's education discounts.
Ranks No. 2 for customer satisfaction.
Ranks No. 2 for claims handling.
Ranks No. 2 for affordability with an average annual premium of $1,329 for full coverage.
Does not offer distant student discount.
GEICO garners a high MoneyGeek score of 85 (out of 100), largely bolstered by exceptional satisfaction and affordability scores of 33 (out of 35) and 26 (out of 30), respectively. With all three young driver discounts — good student, driver's education and distant student — GEICO stands out as a bonus for families with teens.
GEICO provides valuable discounts targeting youthful drivers, including a good student discount for full-time students with solid academic records and a driver's education discount for those who complete a driver's education course. In terms of coverage, GEICO offers mechanical breakdown insurance, a rare coverage that pays for repairs on all mechanical parts of the car, which can be especially beneficial to those wanting extra protection beyond a standard warranty.
Another reasonably common coverage available is accident forgiveness, ensuring that one's premium won't increase after their first at-fault accident, offering peace of mind for drivers. These coverages reinforce why GEICO's high scores in customer service and affordability make it a leading choice for many drivers.
MoneyGeek found that State Farm is the best option in Wyoming for seniors looking for quality car insurance. As seniors shop for reliable coverage, MoneyGeek's scoring highlights two providers that excel in their offerings:
State Farm leads the pack due to its exceptional satisfaction and claims handling scores, which contribute greatly to its high MoneyGeek score. It's notable that for seniors, the annual cost of a policy from State Farm stands at $647, underlining that although securing cheap car insurance for a senior in Wyoming may cost slightly more than it does for individuals in their middle years, State Farm offers competitive rates for robust coverage.
Car insurance for seniors doesn't always mean higher prices than for those who are middle-aged. MoneyGeek's rates are primarily based on seniors in their 60s, offering insight into the affordable options available. While it's true that seniors in their 70s and 80s may encounter higher premiums, it's important to approach this topic with an understanding that costs can vary widely, and economical options exist for all age groups.
Offers roadside assistance and rental car/travel reimbursement.
Ranks No. 1 for general customer satisfaction.
Ranks No. 1 for claims handling.
Leads in cost with an average annual premium of $647 for full coverage.
Falls short in customer satisfaction.
State Farm's outstanding MoneyGeek score of 95 is propelled by perfect marks in satisfaction (35 out of 35) and strong performance in affordability (30 out of 30), positioning it as a frontrunner in customer experience and value. The company broadens its appeal with comprehensive coverage options like roadside assistance and rental car/travel reimbursement, ensuring aid in the event of an accident. Despite lacking some rare coverages, these strengths make it a top choice.
State Farm also extends a senior driver discount, offering an opportunity for mature drivers to enjoy additional savings. It stands out for its beneficial coverage options tailored for seniors. Roadside assistance provides peace of mind with benefits like towing services, flat tire changes and jump-starts, minimizing stress during vehicle breakdowns.
Additionally, rental car/travel reimbursement ensures that seniors are not stranded after an accident, covering temporary transportation costs. These features, combined with State Farm's excellence in customer satisfaction and affordability, make it a prime insurance provider.
MoneyGeek found that Farmers is the best option in Wyoming for car insurance for young adults, offering a superior mix of affordability, customer satisfaction and robust coverage options.
Farmers stands out primarily due to its high customer satisfaction and affordability scores, factors that are critically important to drivers in their 20s. With the highest individual scores contributing to the overall rating, it's evident why Farmers leads. Additionally, the annual cost for a young adult's policy with Farmers is $870, indicating that to get cheap car insurance for a young adult in Wyoming, you may still find yourself paying a bit more than older, more experienced drivers.
Young adults in Wyoming, like in other states, often face higher car insurance premiums due to their lack of driving experience and higher statistical risk of being involved in accidents. Insurers price policies accordingly to account for these risks, hence the increased costs for this demographic.
Ranks No. 2 for claims handling.
Offers good student and distant student discounts.
Doesn't excel in customer service.
Farmers achieves a stellar MoneyGeek score of 92 due to exceptionally high marks in affordability and satisfaction, indicating a balance of cost-effectiveness and contentment among customers.
While Farmers doesn't have discounts specifically tailored to young drivers, such as good student, distant student or driver's education, its robust scores in affordability, service and other categories provide substantial value that aptly compensates. The company offers common coverages like rental car and travel reimbursement and roadside assistance, essentials for peace of mind on the go.
Farmers stands out with a satisfaction score of 30 (out of 35) and an affordability score of 30 (out of 30), emphasizing its commitment to customer contentment and value for money. High claims handling and coverage scores, 19 (out of 20) and 10 (out of 10), respectively, reflect the insurer's efficiency and comprehensive policy options.
The stability score of 3 (out of 5) underscores Farmers' reliability. Customers can trust Farmers for an affordable, satisfactory insurance experience backed by solid claims support and extensive coverage options, all amounting to an average annual premium of $870.
MoneyGeek found that State Farm is the best option for drivers with driving offenses in Wyoming, with the top MoneyGeek score excluding USAA and companies with 'No Score'.
State Farm stands out with its exceptional blend of high satisfaction, affordability and claims handling scores, holding the top position among the car insurance providers. This is particularly noteworthy as MoneyGeek's data encompasses a variety of drivers with speeding tickets, at-fault accidents and DUIs, highlighting State Farm's strength in offering dependable services to a diverse array of higher-risk drivers.
Moreover, for those seeking cheap car insurance as a high risk driver in Wyoming, State Farm's annual premium of $829 underscores its competitive pricing, although it should be noted that premiums are generally higher for drivers in this category compared to individuals in their 30s, 40s or 50s.
Following a ticket, at-fault accident or DUI, insurance rates tend to be higher in Wyoming and across the United States because such offenses signal to insurers a greater risk of future claims. As a result, companies adjust their premiums to reflect this elevated risk, which typically manifests in higher costs for those with driving infractions on their records.
Ranks No. 1 in general customer satisfaction.
Ranks No. 1 in claims handling.
Ranks No. 1 for cost.
Offers roadside assistance, rental car/travel reimbursement and accident forgiveness.
Does not excel in customer service (score of 35).
State Farm's exceptional MoneyGeek score of 95 is largely rooted in its perfect satisfaction (35 out of 35) and top-tier affordability (30 out of 30) scores, evidencing its commitment to customer contentment and competitive pricing. With a comprehensive suite of common coverages including roadside assistance and rental car and/or travel reimbursement, State Farm caters to drivers with various needs, including those with poor records seeking legionary support.
State Farm offers roadside assistance, a service providing mechanical labor at the breakdown site, towing, delivery of gas, battery jump-starts and more — a security blanket for those with a spotty driving history. Similarly, its rental car and/or travel reimbursement coverage ensures that even after an accident, mobility isn't hindered, permitting a seamless continuation of daily activities.
MoneyGeek found that Farmers is the best option in Wyoming for car insurance for new drivers, featuring the highest MoneyGeek score.
Farmers emerges as the standout provider, in part because MoneyGeek filtered out insurers that don't offer new car replacement and/or better car replacement coverages. These coverages are vital for those who have a new vehicle.
The impressionable MoneyGeek score is a composite reflecting Farmers' superior customer satisfaction, affordability, claims handling, coverage options and financial stability. Farmers' annual cost of $813 becomes particularly noteworthy, considering that insurers offering new or better car replacement can save you from financial loss. In the event of an accident, without such coverage, you would only receive the actual cash value of your car, which factors in depreciation.
Ranks well for general customer satisfaction.
Ranks well for claims handling.
Leads in affordability for new car owners.
Offers new car replacement.
Does not excel in customer service with a low satisfaction score.
High marks in satisfaction and affordability significantly elevate Farmers' MoneyGeek score, indicating its commitment to customer fulfillment and budget-friendly options. While Farmers does not offer new car replacement or better car replacement as part of its coverage options, Farmers do excel with an average annual premium of $813, making its standard coverage both high-quality and cost-effective.
Farmers offers a suite of robust coverages to protect drivers. As an industry leader, its satisfaction score of 35 (out of 35) reflects its excellent customer service and ability to meet driver needs promptly and effectively. Its affordability score of 30 (out of 30) denotes a competitive pricing structure, ensuring customers receive value for their money.
Additionally, Farmers' perfect coverage score of 10 (out of 10) signifies a wide variety of layman's common coverages to comprehensive insurance protections. With these scores, it is clear that Farmers prioritizes a full spectrum of benefits to its policyholders, ensuring stability and peace of mind on the road.
MoneyGeek found that USAA is the best option in Wyoming for car insurance catering to military personnel with a top MoneyGeek score.
USAA not only achieved the highest MoneyGeek score, indicating an exceptional balance of service quality and affordability, but it is also specifically tailored for current and former military members and their families. As such, USAA's services are specially designed to meet the needs of those with a military background.
With an annual premium of $638, those eligible for USAA membership get more than just competitive rates; they also enjoy the peace of mind that comes from an institution that understands their unique circumstances. For individuals focused on finding the cheapest car insurance in Wyoming for military drivers, cost savings are an important factor to consider.
Ranks No. 1 for general customer satisfaction.
Ranks No. 1 for cost.
Offers common coverages like roadside assistance and rental car/travel reimbursement.
Ranks No. 2 for key coverages.
Does not excel in customer service with a score of 35.
USAA stands out with exceptional satisfaction (35 out of 35) and high affordability (30 out of 30) scores, making it the top choice according to its impressive MoneyGeek score of 93 (out of 100). Catering exclusively to military members and their families, USAA offers a competitive average annual premium of $638.
USAA provides roadside assistance, which ensures help is readily available for instances like towing, a dead battery or a lockout. Reasonably common coverage such as rental car and/or travel reimbursement is particularly useful, covering the cost of a rental car while your vehicle is being repaired due to a covered incident. Additionally, accident forgiveness is offered, rewarding safe driving by not increasing your premium after your first at-fault accident if you remain accident-free for five years.
In Wyoming, the premier car insurance providers distinguish themselves through a blend of affordability, robust financial health and a consistent history of exceptional customer service. MoneyGeek has rigorously evaluated these factors to assist you. However, should you opt to conduct your research, there are key steps involved to ensure a thorough comparison and informed decision-making process.
In Wyoming, exceptional customer service is a cornerstone for car insurers, as it ensures reliable support and efficient claims processing. Prospective policyholders are encouraged to consult independent data providers like JD Power and the NAIC to evaluate insurers' customer service track records. According to MoneyGeek's analysis, Farmers stands out with a customer satisfaction score of 39 (out of 45) and a claims handling score of 28 (out of 30), marking it as the top choice for service in Wyoming.
Comparing car insurance quotes in Wyoming is a strategic move to balance cost savings with quality service. Drivers should conduct their research to identify the most affordable options tailored to their unique profiles. MoneyGeek's findings highlight State Farm as the leading insurer for minimum coverage in Wyoming, offering an annual premium of $209. This underscores the importance of personalized quote comparisons for financial savings.
The breadth of coverage options is a critical aspect when selecting a car insurer. Consumers are advised to explore which insurers provide coverages that align with their requirements. MoneyGeek's evaluation reveals that both Allstate and Farmers achieved a perfect coverage score of 10, indicating their comprehensive offerings, including rental car and/or travel reimbursement, roadside assistance, gap insurance and original equipment manufacturer coverage.
Selecting a financially stable insurer is paramount to mitigate the risk of unpaid claims. It is prudent for individuals to investigate the financial strength of insurance companies. According to MoneyGeek, State Farm and GEICO each received a perfect stability score of five, the highest possible, reflecting an A++ rating from A.M. Best and signifying a minimal likelihood of financial failure in fulfilling claims.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
