Buying car insurance can be a headache. It’s a legal necessity, but not all auto insurance providers have the same rates and benefits. Finding and comparing the best rates every year can be tedious and time-consuming, so we did the heavy lifting for you.
Average Auto Insurance Rates in Wyoming
For minimum coverage, the average annual cost of car insurance in Wyoming is $1,495. For full coverage, you will find an average annual car insurance rate of $271.
Minimum Liability Limits for Auto Insurance
Minimum limits for liability are $50,000 for bodily injury per person, a $100,000 upper limit for all bodily injuries per accident, and $25,000 maximum for property damage.
Special Rates for Military Families
If you or an immediate family member is an active or former member of the United States military, you can access exclusive insurance coverage through the United Services Automobile Association, or USAA.
If this applies to you, you may not need to review the insurance rates covered below. However, if you are still looking for low rates, continue below for more information.
Minimum Coverage
If you are just looking to pay the legally required minimum for car insurance, you will pay a different rate that depends on your age and driving history. Relative to other age groups, drivers in their 20s are less experienced and therefore a higher risk for insurance. This makes it difficult to find inexpensive minimum coverage insurance, but it’s not impossible.
Whether you are in Landon, Evanstan, or Sheridan, you can find good Wyoming auto insurance rates with Allstate Insurance, Farmers Insurance, and more.
Car owners in their 20s
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- Geico:
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At an annual rate, you can expect to pay $375 per year.
At a monthly rate, this comes out to $31 per month.
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- State Farm:
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At an annual rate, you can expect to pay $546 per year.
At a monthly rate, this comes out to $46 per month.
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- Farmers:
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At an annual rate, you can expect to pay $627 per year.
At a monthly rate, this comes out to $52 per month.
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- Allstate:
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At an annual rate, you can expect to pay $773 per year.
At a monthly rate, this comes out to $64 per month.
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- MetLife:
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At an annual rate, you can expect to pay $917 per year.
At a monthly rate, this comes out to $76 per month.
Car owners in their 30s
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- Geico:
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At an annual rate, you can expect to pay $170 per year.
At a monthly rate, this comes out to $14 per month.
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- State Farm:
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At an annual rate, you can expect to pay $223 per year.
At a monthly rate, this comes out to $19 per month.
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- Farmers:
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At an annual rate, you can expect to pay $351 per year.
At a monthly rate, this comes out to $29 per month.
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- MetLife:
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At an annual rate, you can expect to pay $359 per year.
At a monthly rate, this comes out to $30 per month.
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- Allstate:
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At an annual rate, you can expect to pay $595 per year.
At a monthly rate, this comes out to $50 per month.
Car owners in their 40s
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- Geico:
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At an annual rate, you can expect to pay $170 per year.
At a monthly rate, this comes out to $14 per month.
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- State Farm:
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At an annual rate, you can expect to pay $223 per year.
At a monthly rate, this comes out to $19 per month.
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- Farmers:
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At an annual rate, you can expect to pay $338 per year.
At a monthly rate, this comes out to $28 per month.
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- MetLife:
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At an annual rate, you can expect to pay $345 per year.
At a monthly rate, this comes out to $29 per month.
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- Allstate:
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At an annual rate, you can expect to pay $595 per year.
At a monthly rate, this comes out to $50 per month.
Car owners in their 50s
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- Geico:
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At an annual rate, you can expect to pay $160 per year.
At a monthly rate, this comes out to $13 per month.
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- State Farm:
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At an annual rate, you can expect to pay $203 per year.
At a monthly rate, this comes out to $17 per month.
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- MetLife:
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At an annual rate, you can expect to pay $318 per year.
At a monthly rate, this comes out to $26 per month.
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- Farmers:
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At an annual rate, you can expect to pay $319 per year.
At a monthly rate, this comes out to $27 per month.
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- Allstate:
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At an annual rate, you can expect to pay $584 per year.
At a monthly rate, this comes out to $49 per month.
Car owners in their 60s
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- Geico:
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At an annual rate, you can expect to pay $160 per year.
At a monthly rate, this comes out to $13 per month.
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- State Farm:
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At an annual rate, you can expect to pay $192 per year.
At a monthly rate, this comes out to $16 per month.
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- MetLife:
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At an annual rate, you can expect to pay $301 per year.
At a monthly rate, this comes out to $25 per month.
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- Farmers:
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At an annual rate, you can expect to pay $319 per year.
At a monthly rate, this comes out to $27 per month.
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- Allstate:
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At an annual rate, you can expect to pay $600 per year.
At a monthly rate, this comes out to $50 per month.
Full Coverage
If you are looking to insure your car completely, receiving complete coverage for any sort of mechanical or health liabilities, then a full coverage plan is for you. These plans are substantially more expensive than minimum coverage, but they won’t come up short when you need emergency funds for an accident.
Car owners in their 20s
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- Farmers:
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At an annual rate, you can expect to pay $2,108 per year.
At a monthly rate, this comes out to $176 per month.
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- State Farm:
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At an annual rate, you can expect to pay $2,471 per year.
At a monthly rate, this comes out to $206 per month.
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- Geico:
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At an annual rate, you can expect to pay $3,165 per year.
At a monthly rate, this comes out to $264 per month.
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- Allstate:
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At an annual rate, you can expect to pay $3,280 per year.
At a monthly rate, this comes out to $273 per month.
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- MetLife:
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At an annual rate, you can expect to pay $3,660 per year.
At a monthly rate, this comes out to $305 per month.
Car owners in their 30s
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- State Farm:
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At an annual rate, you can expect to pay $1,031 per year.
At a monthly rate, this comes out to $86 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,100 per year.
At a monthly rate, this comes out to $92 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,614 per year.
At a monthly rate, this comes out to $134 per month.
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- MetLife:
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At an annual rate, you can expect to pay $1,763 per year.
At a monthly rate, this comes out to $147 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,984 per year.
At a monthly rate, this comes out to $165 per month.
Car owners in their 40s
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- State Farm:
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At an annual rate, you can expect to pay $1,031 per year.
At a monthly rate, this comes out to $86 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,059 per year.
At a monthly rate, this comes out to $88 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,614 per year.
At a monthly rate, this comes out to $134 per month.
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- MetLife:
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At an annual rate, you can expect to pay $1,653 per year.
At a monthly rate, this comes out to $138 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,984 per year.
At a monthly rate, this comes out to $165 per month.
Car owners in their 50s
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- State Farm:
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At an annual rate, you can expect to pay $939 per year.
At a monthly rate, this comes out to $78 per month.
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- Farmers:
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At an annual rate, you can expect to pay $997 per year.
At a monthly rate, this comes out to $83 per month.
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- MetLife:
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At an annual rate, you can expect to pay $1,517 per year.
At a monthly rate, this comes out to $126 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,544 per year.
At a monthly rate, this comes out to $129 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,910 per year.
At a monthly rate, this comes out to $159 per month.
Car owners in their 60s
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- State Farm:
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At an annual rate, you can expect to pay $890 per year.
At a monthly rate, this comes out to $74 per month.
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- Farmers:
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At an annual rate, you can expect to pay $997 per year.
At a monthly rate, this comes out to $83 per month.
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- MetLife:
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At an annual rate, you can expect to pay $1,352 per year.
At a monthly rate, this comes out to $113 per month.
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- Geico:
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At an annual rate, you can expect to pay $1,544 per year.
At a monthly rate, this comes out to $129 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,866 per year.
At a monthly rate, this comes out to $156 per month.
Recent Accident
If you have been in an accident recently, where you are considered at-fault for damages and liability, then your auto insurance rate will go up. Having at least one at-fault accident will raise your rates, but it may lower over time. If this applies to you, here are the best rates you’ll find in Wyoming.
Car owners in their 20s
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- Geico:
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At an annual rate, you can expect to pay $668 per year.
At a monthly rate, this comes out to $56 per month.
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- State Farm:
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At an annual rate, you can expect to pay $668 per year.
At a monthly rate, this comes out to $56 per month.
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- Farmers:
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At an annual rate, you can expect to pay $783 per year.
At a monthly rate, this comes out to $65 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,016 per year.
At a monthly rate, this comes out to $85 per month.
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- MetLife:
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At an annual rate, you can expect to pay $1,541 per year.
At a monthly rate, this comes out to $128 per month.
Car owners in their 30s
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- State Farm:
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At an annual rate, you can expect to pay $1,192 per year.
At a monthly rate, this comes out to $99 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,304 per year.
At a monthly rate, this comes out to $109 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,453 per year.
At a monthly rate, this comes out to $204 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,677 per year.
At a monthly rate, this comes out to $223 per month.
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- MetLife:
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At an annual rate, you can expect to pay $2,703 per year.
At a monthly rate, this comes out to $225 per month.
Car owners in their 40s
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- State Farm:
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At an annual rate, you can expect to pay $1,192 per year.
At a monthly rate, this comes out to $99 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,263 per year.
At a monthly rate, this comes out to $105 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,453 per year.
At a monthly rate, this comes out to $204 per month.
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- MetLife:
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At an annual rate, you can expect to pay $2,521 per year.
At a monthly rate, this comes out to $210 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,677 per year.
At a monthly rate, this comes out to $223 per month.
Car owners in their 50s
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- State Farm:
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At an annual rate, you can expect to pay $1,086 per year.
At a monthly rate, this comes out to $90 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,201 per year.
At a monthly rate, this comes out to $100 per month.
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- MetLife:
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At an annual rate, you can expect to pay $2,309 per year.
At a monthly rate, this comes out to $192 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,384 per year.
At a monthly rate, this comes out to $199 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,575 per year.
At a monthly rate, this comes out to $215 per month.
Car owners in their 60s
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- State Farm:
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At an annual rate, you can expect to pay $1,028 per year.
At a monthly rate, this comes out to $86 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,201 per year.
At a monthly rate, this comes out to $100 per month.
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- MetLife:
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At an annual rate, you can expect to pay $2,068 per year.
At a monthly rate, this comes out to $172 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,384 per year.
At a monthly rate, this comes out to $199 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,523 per year.
At a monthly rate, this comes out to $210 per month.
Low Credit Score
If you have a low credit score, it may be difficult to find auto insurance at low rates. A bad credit score means increased financial risk for insurance providers, leading to higher insurance premiums for consumers. If your credit is low or unestablished, consider these insurance providers for the best possible rates.
Car owners in their 20s
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- Geico:
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At an annual rate, you can expect to pay $515 per year.
At a monthly rate, this comes out to $43 per month.
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- Farmers:
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At an annual rate, you can expect to pay $749 per year.
At a monthly rate, this comes out to $62 per month.
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- State Farm:
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At an annual rate, you can expect to pay $913 per year.
At a monthly rate, this comes out to $76 per month.
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- Allstate:
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At an annual rate, you can expect to pay $1,008 per year.
At a monthly rate, this comes out to $84 per month.
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- MetLife:
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At an annual rate, you can expect to pay $1,935 per year.
At a monthly rate, this comes out to $161 per month.
Car owners in their 30s
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- Farmers:
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At an annual rate, you can expect to pay $1,320 per year.
At a monthly rate, this comes out to $110 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,702 per year.
At a monthly rate, this comes out to $142 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,218 per year.
At a monthly rate, this comes out to $185 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,980 per year.
At a monthly rate, this comes out to $248 per month.
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- MetLife:
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At an annual rate, you can expect to pay $4,062 per year.
At a monthly rate, this comes out to $338 per month.
Car owners in their 40s
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- Farmers:
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At an annual rate, you can expect to pay $1,270 per year.
At a monthly rate, this comes out to $106 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,702 per year.
At a monthly rate, this comes out to $142 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,218 per year.
At a monthly rate, this comes out to $185 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,980 per year.
At a monthly rate, this comes out to $248 per month.
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- MetLife:
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At an annual rate, you can expect to pay $3,810 per year.\
At a monthly rate, this comes out to $318 per month.
Car owners in their 50s
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- Farmers:
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At an annual rate, you can expect to pay $1,195 per year.
At a monthly rate, this comes out to $100 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,549 per year.
At a monthly rate, this comes out to $129 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,123 per year.
At a monthly rate, this comes out to $177 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,861 per year.
At a monthly rate, this comes out to $238 per month.
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- MetLife:
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At an annual rate, you can expect to pay $3,496 per year.
At a monthly rate, this comes out to $291 per month.
Car owners in their 60s
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- Farmers:
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At an annual rate, you can expect to pay $1,195 per year.
At a monthly rate, this comes out to $100 per month.
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- State Farm:
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At an annual rate, you can expect to pay $1,466 per year.
At a monthly rate, this comes out to $122 per month.
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- Geico:
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At an annual rate, you can expect to pay $2,123 per year.
At a monthly rate, this comes out to $177 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,790 per year.
At a monthly rate, this comes out to $232 per month.
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- MetLife:
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At an annual rate, you can expect to pay $3,115 per year.
At a monthly rate, this comes out to $260 per month.
After DUI
Receiving a DUI charge can severely impact the rate of your auto insurance, as it becomes a liability to insure drivers with a record of dangerous driving and/or breaking motor laws. If you have a DUI on your record, these insurance companies will provide the lowest rates for drivers in Alaska.
Wyoming DUI statutes declare that your first, second, third, and fourth DUI offenses are considered misdemeanors with fines and potential jail time, while a fifth DUI offense is considered a felony.
Car owners in their 20s
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- State Farm:
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At an annual rate, you can expect to pay $607 per year.
At a monthly rate, this comes out to $51 per month.
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- Geico:
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At an annual rate, you can expect to pay $628 per year.
At a monthly rate, this comes out to $52 per month.
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- Allstate:
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At an annual rate, you can expect to pay $924 per year.
At a monthly rate, this comes out to $77 per month.
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- Farmers:
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At an annual rate, you can expect to pay $1,510 per year.
At a monthly rate, this comes out to $126 per month.
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- MetLife:
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At an annual rate, you can expect to pay $2,332 per year.
At a monthly rate, this comes out to $194 per month.
Car owners in their 30s
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- State Farm:
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At an annual rate, you can expect to pay $1,112 per year.
At a monthly rate, this comes out to $93 per month.
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- Farmers:
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At an annual rate, you can expect to pay $2,256 per year.
At a monthly rate, this comes out to $188 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,420 per year.
At a monthly rate, this comes out to $202 per month.
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- MetlIfe:
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At an annual rate, you can expect to pay $4,085 per year.
At a monthly rate, this comes out to $340 per month.
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- Geico:
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At an annual rate, you can expect to pay $4,227 per year.
At a monthly rate, this comes out to $352 per month.
Car owners in their 40s
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- State Farm:
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At an annual rate, you can expect to pay $1,112 per year.
At a monthly rate, this comes out to $93 per month.
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- Farmers:
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At an annual rate, you can expect to pay $2,214 per year.
At a monthly rate, this comes out to $184 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,420 per year.
At a monthly rate, this comes out to $202 per month.
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- MetLife:
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At an annual rate, you can expect to pay $3,813 per year.
At a monthly rate, this comes out to $318 per month.
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- Geico:
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At an annual rate, you can expect to pay $4,227 per year.
At a monthly rate, this comes out to $352 per month.
Car owners in their 50s
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- State Farm:
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At an annual rate, you can expect to pay $1,013 per year.
At a monthly rate, this comes out to $84 per month.
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- Farmers:
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At an annual rate, you can expect to pay $2,152 per year.
At a monthly rate, this comes out to $179 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,330 per year.
At a monthly rate, this comes out to $194 per month.
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- MetLife:
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At an annual rate, you can expect to pay $3,489 per year.
At a monthly rate, this comes out to $291 per month.
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- Geico:
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At an annual rate, you can expect to pay $4,158 per year.
At a monthly rate, this comes out to $346 per month.
Car owners in their 60s
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- State Farm:
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At an annual rate, you can expect to pay $959 per year.
At a monthly rate, this comes out to $80 per month.
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- Farmers:
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At an annual rate, you can expect to pay $2,152 per year.
At a monthly rate, this comes out to $179 per month.
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- Allstate:
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At an annual rate, you can expect to pay $2,283 per year.
At a monthly rate, this comes out to $190 per month.
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- MetLife:
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At an annual rate, you can expect to pay $3,127 per year.
At a monthly rate, this comes out to $261 per month.
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- Geico:
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At an annual rate, you can expect to pay $4,185 per year.
At a monthly rate, this comes out to $346 per month.
More Options if You Are Denied Coverage
Not all insurance companies will voluntarily provide coverage to all drivers. If you have a long record of accidents or driving tickets, a low credit score, a long gap of no insurance coverage, and other risky factors, you may find the auto insurance market closed to you.
It is risky to provide insurance to these drivers, so many companies will flat-out refuse to provide insurance. If this is the case, you can receive public coverage through your local state insurance program. In Alaska, this would be the Wyoming Automobile Insurance Program, or WAIP plan.
This service is especially useful for truckers, taxis, and other commercial vehicle insurance plans. It also applies to everyday commuters looking for auto insurance, as federal law requires all US citizens to acquire auto insurance.
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