The Best Cheap Wyoming Car Insurance for 2024

If you're a Wyoming driver, you know that you need car insurance to be on the road. However, insuring your vehicle can cost a pretty penny, and finding the cheapest car insurance in Wyoming can be a challenge. Here, we'll share the best car insurance companies for affordably priced auto insurance.

• Cheapest for typical drivers: American National
• Cheapest for military members: American National
• Cheapest for young drivers: American National
• Cheapest for drivers with one speeding ticket: American National
• Cheapest for drivers looking for minimum coverage: Geico

Cheapest for typical drivers

When it comes to cheap auto insurance in the state of Wyoming, American National is the big winner. For example, with an average annual rate of just $1,246 for drivers with a clean record, the company is tough to beat.

While these companies can't come close to American National's prices, they are competitive without one another:

• State Farm, with an average rate of $1,901
• Mid-Century, coming in with an average rate of $1,940

Cheapest for military members

One way insurance companies can show gratitude to military members for their service is by offering affordable car insurance. The cheapest average annual rate for members of the military is $969, also from American National.

In second and third place are:

• Geico, with an average rate of $1,560
• Mid-Century, with an average rate of $1,631

Cheapest for young drivers

When your child is on the road, you feel like a piece of your heart is out there with them. In addition to any worry you may experience, there's no denying that it's expensive to insure a teenager, due to their lack of driving experience. Once again, the best car insurance in Wyoming for drivers looking for a low rate is American National, with an average annual rate of $2,268.

Following American National are:

• Mid-Century, with a rate of $3,635
• American Family, coming in with an average rate of $4,005

Cheapest for drivers with one speeding ticket

As though paying a speeding ticket is not enough, a single ticket can send your rates up. With an average rate of $1,411, American National is the most forgiving toward those with one ticket on their records.

In second and third place are:

• Mid-Century, with an average rate of $1,732
• State Farm, with an average rate of $1,922

Cheapest for drivers looking for minimum coverage

If you're looking at how much is car insurance in Wyoming for minimum coverage, this is where American National is dethroned. Here, Geico is the clear winner, with an average annual rate of $191.

Other contenders include:

• USAA, with an average rate of $288
• American National, offering an average annual rate of $297

Average car insurance cost in Wyoming compared to the national average

Wyoming's overall average car insurance rate is $2,393, nearly 21% lower than the national average of $3,017. The best car insurance companies in Wyoming work to keep their rates near or below the national average.

Wyoming auto insurance laws

Wyoming car insurance laws are clear. Any driver caught driving without insurance faces:

• First offense: Up to $750 fine; up to six months in jail, and must carry an SR-22 certificate.
• Repeat offense: $500 to $1,000 fine; up to six months in jail, suspension of both driver's license and registration, and must carry an SR-22 certificate.

Here's how an SR-22 certificate works: The court mandates that the driver prove they have purchased auto insurance. Once that policy purchase is complete, the insurance carrier files an SR-22 certificate with the Wyoming Department of Motor Vehicles (DMV).

Wyoming minimum coverage requirements

To drive legally in Wyoming, drivers must carry a minimum of:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $20,000 per accident for property

How to get cheap auto insurance in Wyoming

High credit score

While it may not seem fair, your rate is based, in part, on your credit score. That's because research shows that drivers with high credit scores tend to make less claims. Drivers with low credit scores can sometimes land lower rates if they raise their scores before applying.

Clean record

Drivers with clean driving records are offered the lowest rates.

Discounts

When looking for low-cost car insurance, it pays to find any discounts you may be eligible for. Here's a sample of the types of discounts carried by the top insurance companies:

• Multi-car discount
• Multi-policy discount
• New car discount
• Usage-based discount
• Good student discount
• Away at school discount
• Occupational discount
• Defensive driver discount
• Pay in full discount
• Alumni discount
• Safety feature discount
• Professional organization discount

Other things to consider when looking for car insurance in Wyoming

If a driver has homeowners insurance, renters insurance, or life insurance, the first place to look for auto coverage is through their existing insurer. Insurance companies frequently give discounts to those who bundle coverage. Bundling is typically available no matter which type of car insurance coverage a driver purchases.