Cheapest Car Insurance in Wyoming for 2026

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Updated: April 23, 2026

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Wyoming ranks sixth most affordable of 50 states, with full coverage averaging $82/month ($984/year), 33% below the national average. American National, a regional specialty insurer, leads full coverage at $63/month and is the top-ranked provider in nearly every category. GEICO leads minimum coverage at $14/month. We analyzed five providers in Wyoming, the entire competitive set available in this dataset. State Farm's bad-credit rate of $718/month is $655/month above its own clean-record rate of $63/month, the most extreme bad-credit outlier in this series. Drivers with poor credit should verify carefully before selecting State Farm in Wyoming.

Cheapest in Wyoming by coverage type

Cheapest by driver age

Cheapest by driving record and credit score

MoneyGeek analyzed five auto insurance providers in Wyoming; the smallest provider set in this series, reflecting Wyoming's limited insurance market. Baseline: 40-year-old driver, clean record, good credit, 100/300/100 coverage and $1,000 deductible. American National is a regional specialty insurer. Rates are nearly gender-neutral in Wyoming; teen driver rates are identical for males and females at ages 17 to 24. Data: Quadrant Information Services.

Cheapest Minimum and Full Coverage Car Insurance in Wyoming

GEICO leads minimum coverage in Wyoming at $14/month, the lowest minimum coverage rate in this series. American National, a regional specialty insurer, leads full coverage at $63/month. Choosing American National over Allstate (the most expensive provider at $129/month for full coverage) saves $66/month ($792/year). We analyzed 5 providers in Wyoming, the full competitive set available in this dataset. 

Compare options with the best car insurance in Wyoming. Wyoming's minimum liability requirement is 25/50/20. The state operates under an at-fault system with no mandatory PIP and no mandatory UM/UIM. Minimum coverage pays for the other party's costs when the insured driver is at fault; it does not cover the driver's own vehicle or medical bills.

Geico
$14
$79
American National
$18
$63
State Farm
$19
$72
Farmers
$26
$83
Allstate
$55
$129

Cheapest Car Insurance by Age in Wyoming

American National is the cheapest provider for young adult individual policies at $131/month and for seniors at $77/month, and leads the family policy table from ages 17 through 25. Wyoming is one of the most gender-neutral teen pricing markets in this series, but car insurance rates vary by age. Rates are identical for male and female drivers at ages 17 through 24. Gender gaps appear only at age 16 ($39/month difference, with GEICO leading both genders) and age 25 ($14/month difference, with American National leading both genders). With only five providers, options are limited relative to most states. 

Open the dropdowns below for detailed tables by age group.

Young Drivers (standalone)
American National
$131
Teen Drivers (16, family)
Geico
$211 (female) / $250 (male)
Seniors (65+)
American National
$77

Cheapest Car Insurance for High-Risk Drivers in Wyoming

State Farm leads for speeding tickets ($77/month), at-fault accidents ($83/month), and DUI ($77/month, equal to its clean-record full coverage rate). American National is the cheapest for texting while driving ($71/month) and for bad credit ($222/month). State Farm's bad-credit rate of $718/month is $496/month above American National's bad-credit rate of $222/month and above State Farm's own clean-record rate, making it the most extreme outlier in this series. Compare options with the best car insurance in Wyoming.

Most violations affect rates for three years. DUI violations remain on record longer. Wyoming has no confirmed SR-22, DUI-specific, or high-risk page. Drivers seeking more details should visit the best car insurance in Wyoming.

Speeding Ticket
State Farm
$77
At-Fault Accident
State Farm
$83
DUI
State Farm
$77
Texting While Driving
American National
$71
Bad Credit
American National
$222

Cheapest Car Insurance Quotes in Wyoming by City

American National is the cheapest provider in all 10 Wyoming cities that were analyzed. City rates cluster tightly, ranging from $59/month in Sheridan to $67/month in Casper, an $8/month ($96/year) range. This is the second-tightest city range in this series, behind only Vermont. Wyoming's uniform low population density means almost no geographic risk variation between cities. Casper, the state's largest city, costs only $8/month more than smaller towns like Sheridan, Laramie, and Riverton.

Seven cities share rates of $62 to $64/month: Cheyenne, Evanston, Gillette, Green River, Laramie, Riverton and Rock Springs, all within $2/month of each other. Wyoming's sparse road networks and consistent risk environment spread risk evenly across the state. Compare more options with compare car insurance.

Casper
American National
$67
Cheyenne
American National
$62
Evanston
American National
$63
Gillette
American National
$64
Green River
American National
$63
Jackson
American National
$65
Laramie
American National
$63
Riverton
American National
$63
Rock Springs
American National
$63
Sheridan
American National
$59

How to Get the Cheapest Car Insurance in Wyoming

Choosing American National over Allstate saves $792/year. A Wyoming driver should verify whether additional providers not in this dataset are available in their ZIP code. Compare car insurance options and review the cheapest car insurance companies to find the best rates.

  1. 1

    Check providers beyond this dataset

    MoneyGeek analyzed five providers in Wyoming. National and regional carriers not in this dataset may offer competitive rates in certain ZIP codes. Comparing quotes broadly is helpful in a state with limited analyzed options.

  2. 2

    Match coverage to vehicle value

    Wyoming's full coverage averages $82/month. Older vehicles with low market value may not justify comprehensive and collision coverage. Learn more about how much car insurance do I need.

  3. 3

    Enroll in a telematics program

    American National and State Farm offer usage-based programs that reward safe driving with discounts. Safe drivers can save by allowing insurers to monitor driving habits.

  4. 4

    Keep a clean driving record

    State Farm leads three of four violation categories in Wyoming. Maintaining a clean record preserves access to its competitive clean-record rates.

  5. 5

    Take a defensive driving course

    Wyoming-approved defensive driving courses can reduce rates. Check with insurers for specific discount ranges.

  6. 6

    Re-shop annually

    Wyoming's five-provider market means fewer natural re-shop triggers from new entrants. Setting an annual calendar reminder to compare quotes can surface rate changes.

  7. 7

    Improve credit score

    The clean-to-bad-credit rate jump in Wyoming is extreme, ranging from $222 to $718/month depending on provider. Credit improvement and re-shopping can produce some of the largest savings available to Wyoming drivers.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!

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