Best Auto Insurance In Wyoming
Geico offers the best car insurance selection for most Wyoming drivers, with a high number of discount opportunities and a strong usage-based program.
Powered by 
Key Points:
- The best car insurance in Wyoming is available from Geico, USAA, The Hartford, and Progressive.
- USAA offers excellent prices and customer service for qualifying military members.
- Progressive is an affordable choice for Wyoming drivers with a recent accident, ticket, or DUI.
Trying to buy auto insurance in Wyoming? This article will tell you everything you need to know about car insurance in the Cowboy State. We’ll review state requirements, penalties for driving without coverage, average costs, and Wyoming’s best car insurance providers.
Powered by 
What Is The Best Car Insurance Company In Wyoming?
We reviewed over 100 car insurance companies from around the country and ranked each on factors like cost, availability, and coverage options. When we narrowed our focus to providers in Wyoming, we liked Geico for most drivers. However, USAA, The Hartford, and Progressive are also good options for Wyoming drivers.
Wyoming Car Insurance Company Comparison
When choosing our top provider picks for Wyoming drivers, we considered monthly and annual rates for full coverage and minimum liability policies. We also looked at customer and claims satisfaction ratings from J.D. Power, as well as available perks for different driver profiles.
| Wyoming
Auto Insurance Provider | Overall Rating
(Out of 5.0) | Award |
|---|---|---|
| 1. Geico | 4.5 | Best Overall Provider |
| 2. USAA | 4.5 | Best For Military Members |
| 3. The Hartford | 4.1 | Best For AARP Members |
| 4. Progressive | 4.5 | Best For High-Risk Drivers In Wyoming |
*You may notice that some car insurance companies are ranked above those with higher star ratings. This is because our star ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Wyoming.
Best Car Insurance Companies In Wyoming
In the section below, we cover the pros and cons of each of the best Wyoming car insurance providers. We included regional customer satisfaction ratings from the J.D. Power 2023 U.S. Auto Insurance Satisfaction Study℠ for the northwest region (which includes Idaho, Montana, Oregon, Washington, and Wyoming), and national claims satisfaction ratings from the J.D. Power 2023 U.S. Auto Claims Satisfaction Study℠.
#1 Geico: Best Overall Provider
Full Coverage Auto Insurance Cost: $957 per year, $80 per month
Minimum Liability Auto Insurance Cost: $194 per year, $16 per month
Wyoming Customer Service Rating: 797/1,000 points
Claims Satisfaction Rating: 871/1,000 points
We named Gieco the best provider because of its strong reputation, expansive coverage options, and positive customer service reviews. Geico has an A+ rating from the Better Business Bureau (BBB) and an A++ financial strength rating from AM Best. The provider is the third largest in the country, according to a 2022 report by the National Association of Insurance Commissioners (NAIC), and has a lot of positive customer reviews. In many cases, a Geico policy is one of the most affordable options for full coverage car insurance in Wyoming.
Learn more by reading our full Geico auto insurance review.
#2 USAA: Best For Military Members
Full Coverage Auto Insurance Cost: $874 per year, $73 per month
Minimum Liability Auto Insurance Cost: $227 per year, $19 per month
Wyoming Customer Service Rating: 875/1,000 points*
Claims Satisfaction Rating: 900/1,000 points*
To qualify for a USAA auto insurance policy, you must be a member of the military or have a spouse or parent with a USAA account. For those eligible for USAA auto insurance in Wyoming, the provider is one of the cheapest and most reliable in the industry. Customers can save by taking advantage of USAA’s numerous discount offers.
Read more about this provider in our comprehensive USAA insurance review.
*USAA is excluded from rankings in J.D. Power studies because the provider does not meet study eligibility requirements.
#3 The Hartford: Best For AARP Members
Full Coverage Auto Insurance Cost: $2,300 per year, $192 per month*
Minimum Liability Auto Insurance Cost: $851 per year, $71 per month*
Wyoming Customer Service Rating: 836/1,000 points
Claims Satisfaction Rating: 877/1,000 points
The Hartford has been insuring customers for over 200 years and continues to offer low rates and exceptional customer service today. It’s an especially attractive option for older drivers in Wyoming. AARP members receive special discounts with The Hartford, as well as benefits like a disappearing deductible and accident forgiveness.
Read our full Hartford insurance review to learn more.
*These are national provider rates, as Wyoming rates aren’t available for this provider.
#4 Progressive: Best For High-Risk Drivers In Wyoming
Full Coverage Auto Insurance Cost: $1,809 per year, $151 per month*
Minimum Liability Auto Insurance Cost: $799 per year, $67 per month*
Wyoming Customer Service Rating: 807/1,000 points
Claims Satisfaction Rating: 870/1,000 points
Progressive is another of our top-rated providers and is a good choice for younger drivers or those who have a DWI/DUI on record due to its affordable rates. According to Progressive, 99 percent of drivers are eligible for discounts. Positive customer reviews praise Progressive for its low rates and quick settlement process.
If you want insurance that works with your driving history, read more about the company in our Progressive insurance review.
*These are national provider rates, as Wyoming rates aren’t available for this provider.
Wyoming Auto Insurance Requirements
Wyoming is an at-fault insurance state, and car insurance coverage is required. Wyoming law mandates that all drivers carry at least the following state minimum liability insurance limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
An uninsured motorist caught driving without a car insurance policy will face a fine of up to $750, up to six months in jail, and suspension of their driver’s license. For a second offense, that fine can be up to $1,500. Not all states include jail time as a punishment for not carrying insurance, so be sure that you have the proper car insurance in Wyoming.
While the state only requires liability coverage, you may find that the added cost of a full coverage policy is worth it for extra protection. These plans include collision coverage, which protects your vehicle in an accident regardless of who’s at fault, and comprehensive coverage, which protects against theft, vandalism, and environmental damage like flooding and fallen tree branches.
What To Know About Driving In Wyoming
In 2021, Wyoming had a rate of 19 vehicle accidents deaths per 100,000 people, according to the Insurance Institute for Highway Safety (IIHS). That sounds like very few, but Wyoming is the least populous state in the nation with under 600,000 citizens in 2022 per Statista, so a rate of 19 vehicle accident deaths per 100,000 people is actually quite high. Be careful when driving in Wyoming.
The Grand Teton and Yellowstone national parks are both in Wyoming and make attractive travel destinations. There are 21 official scenic byways and a lot of beautiful countryside to see if you hit the road. Just be sure to stay within the speed limit, buckle your seatbelt, and look out for any wildlife on rural Wyoming roads.
How To Save Money On Car Insurance In Wyoming
If you have a recent speeding ticket, an at-fault accident, or a poor credit score, you may be concerned about finding an affordable car insurance premium.
It’s true that drivers with a clean driving record and good credit history usually qualify for the best auto insurance rates. However, drivers from all walks of life can work with their auto insurance companies to find affordable minimum car insurance coverage.
Whether you’re interested in basic liability or a full coverage policy, you can take advantage of car insurance discounts, bundling opportunities, and take other steps to get a lower rate:
Best Car Insurance In Wyoming: Our Take
Driving without auto insurance in Wyoming could land you in jail, so be sure you meet the minimum coverage requirements before driving your car. Drivers looking for the highest-quality coverage should check out Geico and USAA. Those looking for cheap car insurance rates might consider The Hartford and Progressive.
The only way to find the cheapest car insurance in Wyoming is to get quotes from multiple companies. Enter your zip code below to get free car insurance quotes in your area.
Powered by
FAQ: Wyoming Car Insurance
In the section below, we cover some of the most frequently asked questions about the best Wyoming car insurance providers:
What is the average cost of auto insurance in Wyoming?
Wyoming drivers pay an average rate of $1,248 per year or $104 per month for full coverage. This may seem high, but it’s significantly less than the national average of $1,968 per year for similar coverage. The average cost of car insurance for Wyoming drivers with liability coverage is $333 per year or $28 per month.
Who has the cheapest car insurance in Wyoming?
For qualified Wyoming drivers, American National offers cheap auto insurance at an average rate of $576 per year or $48 per month for full coverage. However, the cheapest rates don’t always equal the best coverage. USAA and Geico are also among the cheapest car insurance companies for adult drivers, while State Farm offers reasonable car insurance premiums for teen drivers.
Is USAA better than Geico in Wyoming?
USAA car insurance is more affordable than Geico for qualifying drivers in Wyoming and offers excellent customer service. However, Geico offers a wide selection of coverage and extensive discount opportunities for a higher number of drivers.
Do I need car insurance in Wyoming?
Drivers in Wyoming are required to carry basic liability coverage. The penalty for driving without insurance in the state includes a fine of up to $750 and up to six months in jail.
How We Rate Auto Insurers
Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
- Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.
*Data accurate at time of publication.
