The Cheapest Car Insurance in Wyoming for September 2025

  • American National offers the cheapest rates for full coverage insurance in Wyoming at $77 per month.
  • American National provides the cheapest liability coverage at $16 per month in Wyoming.
  • At $118 per month, Banner is the cheapest city for car insurance in Wyoming WY 
Wyoming Landmark Wyoming Landmark
American National

$16/mo

USAA

$16/mo

State Farm

$20/mo

Sara Sam
Written by Sara Sam
Edited by Renee Martin

Why Thousands of Wyoming Drivers Trust Way.com

The car insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com.

How Much Does Car Insurance Cost in Wyoming

The car owners in Wyoming pays on an average of $738 for six months for car insurance, which is the national average. American National offers cheap and the best rates in Wyoming.

Cheapest Liability Car Insurance in Wyoming ()

For drivers looking to meet Wyoming minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Wyoming is widely available from providers like American National at $16/month. If you opt for you will have to pay at least $/month for your car insurance premium, which is the highest in Wyoming.

Cheapest Liability Coverage in WY

Are minimum liability insurance limits enough for Wyoming?

Minimum liability insurance provides basic coverage but often falls short in covering major accidents, leaving drivers vulnerable. Upgrading to full coverage car insurance in Wyoming or increasing coverage limits can offer better financial protection. Compare car insurance quotes in Wyoming to find affordable options that suit your needs.

Insurance writer and senior content specialist

Cheap Full Coverage Car Insurance in Wyoming

Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis American National offers the cheapest car insurance for full coverage in Wyoming at $77 per month. On the other hand offers the most expensive rate at $ per month.

Full coverage quotes in WY

Way Tip

How to get your cheap full coverage insurance?

  • Combine your car insurance with home or renters insurance for exclusive savings.
  • Low-mileage drivers can score better rates by opting for pay-per-mile plans.
  • Stick with one car insurance company for annual renewal discounts and exclusive member perks.

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Best Car Insurance Companies in Wyoming: Compared & Ranked

State Farm stands out as the best car insurance provider in Wyoming, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, Farmers is a top pick for drivers seeking value and reliability.

State Farm

State Farm offers a six-month premium of $238, which amounts to approximately $40 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance. 

Farmers

The average premium of Farmers is $267, which is higher than State Farm's by $. Their higher monthly premium is, due to their strict policies on traffic violations.

American National

American National's premium is $463, which is significantly more expensive than Farmers's by $. Their monthly premium is higher due to their strict policies on DUI infractions.

Best Car Insurance Companies in WY

Our Review Process

How Way Uncovers the Best Car Insurance Deals?

  • The car insurance rates in this guide are based on extensive research by Way’s data team.
  • The average car insurance costs of each company in Wyoming.
  • A mix of public and internal data was used to analyze millions of rate averages across U.S. ZIP codes.
  • Quotes in this guide are typically based on a full coverage policy unless noted otherwise.
  • The author has expertise from 5+ years in the insurance industry

Cheap Car Insurance for Teen & Young Drivers in WY

Teens and young drivers in Wyoming often face high car insurance rates, especially those aged 16 to 19. This is because inexperienced drivers pose a higher risk. The average cost for teens in Wyoming is $1264 for 6 months, which is the national average.

American National is the best options for cheap car insurance for young drivers in Wyoming.

Best Car Insurance Discounts for Young Drivers in Wyoming

Teen Car Insurance Rates in WY by Age
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Top companies in WY for Teens

Company Name Avg. 6 Mo. Premium Avg. Monthly Premium
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Way Tip

What Teen Drivers can do to Drive Smarter

  • Install company-approved safety devices and enjoy lower premiums.
  • Monitor your driving habits with trackers for potential discounts.
  • Opt for temporary coverage adjustments during school breaks.

Smart drivers in Wyoming save big on car insurance!

Wyoming Car Insurance Price Trends & Rate Forecasts

Car insurance rates in Wyoming have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Wyoming by $ in compared to $ of . In other words, there has been an by $ when you compare and .

The average full coverage insurance cost in the Wyoming remained steady at $ in both and , indicating no change over the two-month period.

The average cost of liability insurance in the Wyoming to $ in , compared to $ in . This represents an of $ when comparing and .

The average liability insurance cost in the Wyoming remained steady at $ in both and , indicating no change over the two-month period.


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Car Insurance Quotes in Wyoming After an At-Fault Accident

Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that American National gives you the cheapest car insurance rate after an at-fault accident in Wyoming at $28/month. On the other hand is the most expensive option at $/month for an at-fault accident.

Best insurance companies in WY after an accident

Why Way.com Recommends American National Insurance in Wyoming?

If you are living in Wyoming you should opt for American National. American National ranks as number 1 across various factors like customer satisfaction, claims and rates.

How Traffic Violations Affect Car Insurance Rates in Wyoming

In Wyoming, your Auto insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Wyoming may differ from the national average due to regional risks and rules.

Here’s a breakdown of average car insurance rates in Wyoming after common driving violations.

How Driving Violations Affect Car Insurance Quotes in Wyoming

Way Tip

How to Reset Rates after a Driving Violation

  • Switch to pay-per-mile or telematics-based policies to reduce premiums while demonstrating safer driving habits.
  • Find insurers that lower rates for completing state-approved driving courses.
  • Find providers that offer accident forgiveness, sparing your wallet after one-off violations.

Affordable Car Insurance in Wyoming After a DUI or SR-22

Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Wyoming is American National at $92 per month. at $ per month is the most expensive provider.

DUI Car Insurance Quotes in Wyoming: What to Expect

SR-22 Car Insurance in Wyoming: How to File & Save

An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.

Steps to Get an SR-22 in Wyoming?

If You're Insured:

Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.

If You're Uninsured:

You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.

If You Don't Own a Car:

A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.

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Car Insurance Rates by City in Wyoming ( Update)

Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.

Car insurance quotes in Wyoming's biggest cities

Frequently Asked Questions

Who has the cheapest car insurance in Wyoming? Down icon
Getting the cheapest car insurance in Wyoming depends on several factors and can vary based on each applicant’s profile. For instance, American National offers the cheapest car insurance rates in Wyoming at $457 for six months. Car insurance rates varies based on various factors like age, driving history, credit score, and age.
How much is car insurance in Wyoming? Down icon
In Wyoming, the average cost of car insurance is $158 for liability coverage and $738 for full coverage. These rates are than the national average of $312 for liability coverage and the national average of $1128 for full coverage.
How much does car insurance cost per month in Wyoming? Down icon
The cheapest monthly car insurance rate in Wyoming is $77 for full coverage and $118 for liability coverage. However, younger drivers will have to pay higher rates than older drivers. The cheapest rate for teens in Wyoming is $16 for a month. The state and the respective zip codes play a key role in the car insurance rates.
Why is car insurance so expensive in Wyoming? Down icon
Car insurance in Wyoming is expensive due to factors like high traffic congestion, expensive repair costs, and frequent weather-related accidents like floods and hailstorms.
What is the minimum insurance you need to drive a car in Wyoming? Down icon
In Wyoming, the minimum required car insurance includes $25,000 for injury or death of one person, $50,000 for multiple people, and $10,000 for property damage.

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Car Insurance Rates in Cities Near Wyoming

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