Safety on the road is the priority for all drivers. But does only safe driving ensure this? No. Your essential documentation, such as registration, insurance, and other paperwork, must also be maintained legally to ensure safety.
It guarantees coverage for victims in case of accidents and protects your vehicle from further damage. But how much coverage is enough for cars? Which insurance is more affordable? These are some common questions for people who want to buy auto insurance for their vehicle.
This article will discuss options for the cheapest car insurance in Wyoming and explain which type is suitable for whom.
What is the cheapest car insurance in Wyoming?
You can find the cheapest car insurance in Wyoming by comparing various insurance providers. Your age, location, and driving history are essential in inputting the most affordable insurance. American National P&C and USAA are the state’s most inexpensive insurance providers for good drivers.
How we chose the cheapest companies in Wyoming
The best way to select the cheapest company involves having a cheap minimum coverage insurance. Then, with primary liability coverage, you can also select insurance coverage such as collision and comprehensive for overall safety. It is easier to select insurance companies online as comparing becomes more convenient. Most insurers check your age, gender, and driving record to finalize your insurance. It’s better to show them everything; otherwise, they can nullify your claim.
Comparing car insurance quotes can help you zero in on the best deal that falls within your budget and provide the coverage you need in case of an accident. You can use Beem to find the best insurance quotes to help you make the right choice.
Cheap car insurance in Wyoming
Among other auto insurance providers in Wyoming, Geico is the most affordable overall. However, State Farm and Allstate Arena are also close seconds apart under different conditions. One must select insurance depending on one’s situation and the best premiums and coverage. With time, one must also ensure they have enough coverage for their vehicle so they are safe from any fines while on the road.
Wyoming rates for teen drivers
Teen Drivers are new to car responsibilities and are usually as risky as drivers. Henceteen insurance rates are higher when compared to other age groups. The cheapest teen insurance rates range between $2200 to $2800. Also, there is a difference between teen male and female auto insurance rates; men have higher rates. However, having more insurance than the minimum coverage is better to ensure you and your vehicle are financially secure and safe from future mishaps.
Also Read: Cheapest Car Insurance in Indio, CA
Cheapest for 20-year-old drivers
All your drivers are curious about the best yet cheapest car insurance they can buy. Most drivers in their 20s have many questions about cheaper rates as they need more experience on the road. Some companies offer more affordable insurance rates for younger drivers. You can look for those to get the best deal.
Cheapest full coverage car insurance in Wyoming for 20-year-olds
Here are the companies that offer full coverage insurance for young drivers with clean records.
- American National: $1,708 annually, or about $142 each month.
- State Farm: $3,154 annually, or about $263 each month.
- Geico: $3,260 annually, or about $272 each month.
- Farmers: $4,223 annually, or about $352 each month.
- Allstate: $7,646 annually, or about $637 each month.
Cheapest minimum coverage car insurance in Wyoming for 20-year-olds
Drivers and vehicle owners in Wyoming can find some of the cheapest minimum coverage insurance for young drivers. Here are some of those:
- Geico: $328 annually, or about $27 each month.
- American National: $340 annually, or about $28 each month.
- State Farm: $673 annually, or about $56 each month.
- Farmers: $886 annually, or about $74 each month.
- Allstate: $1,060 annually, or about $88 each month
Cheapest auto insurance in Wyoming for 20-year-olds with poor credit
Some drivers who usually look for cheaper auto insurance are the ones with poor credit. If they are in an endless debt cycle, seeking insurance from companies offering lower average rates for minimum coverage is better.
- Geico: $451 annually, or about $38 each month.
- American National: $522 annually, or about $44 each month.
- State Farm: $1,128 annually, or about $94 each month.
- Allstate: $1,363 annually, or about $114 each month.
- Farmers: $1,557 annually, or about $130 each month.
Cheapest auto insurance in Wyoming for 20-year-olds with one speeding ticket
Young drivers are also careless and reckless while driving. That’s why they seek insurance coverage that offers better rates for drivers with speeding tickets. Here are some companies that provide minimum coverage at better insurance rates:
- Geico: $476 annually, or about $40 every month.
- American National: $620 annually, or about $52 every month.
- State Farm: $780 annually, or about $65 every month.
- Farmers: $1,057 annually, or about $88 every month.
- Allstate: $1,136 annually, or about $95 every month.
Cheapest auto insurance in Wyoming for 20-year-olds with one at-fault crash
For drivers in their 20s, some companies offer affordable auto insurance for minimum coverage with a fault crash.
- Geico: $394 annually, or about $33 each month.
- American National: $744 annually, or about $62 each month.
- State Farm: $880 annually, or about $73 each month.
- Farmers: $1,294 annually, or about $108 each month.
- Allstate: $1,418 annually, or about $118 each month.
Cheapest auto insurance in Wyoming for 20-year-olds after a DUI
Some insurers offer affordable minimum coverage rates even after a DUI.
- Geico: $574 annually, or about $48 every month.
- American National: $860 annually, or about $72 every month.
- State Farm: $1,036 annually, or about $86 every month.
- Allstate: $1,242 annually, or about $103 every month.
Also Read: Cheapest Car Insurance in New Haven, Connecticut
Cheapest for 30-year-old drivers
As drivers reach the age of 30, they are enjoying cheaper car insurance rates. With time, they will upgrade their car models, affecting their car insurance rates. Also, with previous driving records, they can show how responsible a driver you are. Drivers with minimum speeding tickets, no DUI, and timely premium payment can reduce your premium.
Cheapest full coverage car insurance in Wyoming for 30-year-olds
Drivers in their 30s can get the cheapest full coverage auto insurance in Wyoming:
- American National: $808 annually, or about $67 each month.
- State Farm: $1,069 annually, or about $89 each month.
- Geico: $1,603 annually, or about $134 each month.
- Farmers: $1,940 annually, or about $162 each month.
- Allstate: $3,449 annually, or about $287 each month.
Cheapest minimum coverage car insurance in Wyoming for 30-year-olds
Drivers who seek the cheapest minimum coverage auto insurance in Wyoming can seek the following companies:
- American National: $132 yearly, or about $11 monthly.
- Geico: $151 every year, or about $13 each month.
- State Farm: $208 yearly, or about $17 monthly.
- Farmers: $397 every year, or about $33 each month.
- Allstate: $541 every year, or about $45 each month
Cheapest auto insurance in Wyoming for 30-year-olds with poor credit
30-year-olds with poor credit can find affordable auto insurance with the following insurance companies:
- American National: $1,146 annually, or about $96 every month.
- State Farm: $1,765 annually, or about $147 every month.
- Geico: $2,204 annually, or about $184 every month.
- Farmers: $3,837 annually, or about $320 every month.
- Allstate: $4,965 annually, or about $414 every month.
Cheapest auto insurance in Wyoming for 30-year-olds with one speeding ticket
Here are some companies offering the lowest average rates to drivers with recent speeding tickets:
- American National: $216 annually, or about $18 every month.
- State Farm: $241 annually, or about $20 every month.
- Geico: $315 annually, or about $26 every month.
- Farmers: $463 annually, or about $39 every month.
- Allstate: $598 annually, or about $50 every month
Cheapest auto insurance in Wyoming for 30-year-olds with one at-fault crash
Drivers seeking affordable auto insurance in Wyoming despite a recent accident can choose from the following companies:
- American National: $1,314 annually, or about $110 every month.
- State Farm: $1,341 annually, or about $112 every month.
- Geico: $2,580 annually, or about $215 every month.
- Farmers: $2,725 annually, or about $227 every month.
- Allstate: $4,577 annually, or about $381 every month.
Cheapest auto insurance in Wyoming for 30-year-olds after a DUI
For complete coverage auto insurance after a DUI, drivers can select the following companies:
- American National: $1,480 annually, or about $123 each month.
- State Farm: $1,512 annually, or about $126 each month.
- Allstate: $3,854 annually, or about $321 each month.
- Farmers: $4,186 annually, or about $349 each month.
- Geico: $4,672 annually, or about $389 each month.
Cheapest for 40-year-old drivers
Usually, drivers in their 40s have better insurance rates than younger drivers. Most drivers have been responsible, and their driving skills improve with experience. If you don’t usually drive a car, consider buying pay-per-mile insurance, which only covers the miles you drive the vehicle.
Cheapest full coverage car insurance in Wyoming for 40-year-olds
Drivers or vehicle owners with clean driving records can get the cheapest full-coverage auto insurance at the most affordable rates. Here are some companies with the lowest average rates:
- American National: $808 annually, or about $67 every month.
- State Farm: $1,069 annually, or about $89 every month.
- Geico: $1,603 annually, or about $134 every month.
- Farmers: $1,887 annually, or about $157 every month.
- Allstate: $3,449 annually, or about $287 every month
Cheapest minimum coverage car insurance in Wyoming for 40-year-olds
Here are some insurers with the cheapest minimum coverage auto insurance rates in Wyoming:
- American National: $132 annually, or about $11 every month.
- Geico: $151 annually, or about $13 every month.
- State Farm: $208 annually, or about $17 every month.
- Farmers: $382 annually, or about $32 every month.
- Allstate: $541 annually, or about $45 every month.
Cheapest auto insurance in Wyoming for 40-year-olds with poor credit
Drivers or vehicle owners with poor credit can also expect affordable auto insurance rates at the following companies in Wyoming:
- American National: $1,146 annually, or about $96 every month.
- State Farm: $1,765 annually, or about $147 every month.
- Geico: $2,204 annually, or about $184 every month.
- Farmers: $3,718 annually, or about $310 every month.
- Allstate: $4,965 annually, or about $414 every month.
Cheapest auto insurance in Wyoming for 40-year-olds with one speeding ticket
Drivers in their 40s can seek minimum coverage in Wyoming at multiple insurance companies. Some of these insurers provide the lowest average rates as follows:
- American National: $216 annually, or about $18 every month.
- State Farm: $241 annually, or about $20 every month.
- Geico: $315 annually, or about $26 every month.
- Farmers: $445 annually, or about $37 every month.
- Allstate: $598 annually, or about $50 every month.
Cheapest auto insurance in Wyoming for 40-year-olds with one at-fault crash
Drivers with a recent accident or crash history find it challenging to find suitable insurance rates. Here are some of the lowest average rates with minimum auto coverage:
- American National: $1,314 annually, or about $110 every month.
- State Farm: $1,341 annually, or about $112 every month.
- Geico: $2,580 annually, or about $215 every month.
- Farmers: $2,644 annually, or about $220 every month.
- Allstate: $4,577 annually, or about $381 every month.
Cheapest auto insurance in Wyoming for 40-year-olds after a DUI
Here are some of the cheapest insurance rates for drivers with DUI:
- American National: $1,480 annually, or about $123 every month.
- State Farm: $1,512 annually, or about $126 every month.
- Allstate: $3,854 annually, or about $321 every month.
- Farmers: $4,077 annually, or about $340 every month.
- Geico: $4,672 annually, or about $389 every month.
Cheapest for 50-year-old drivers
Drivers in their 50s enjoy one of the cheapest rates at this age. Prices usually go up as the drivers move towards their 60s. Rates are also affected by their driving history and location.
Cheapest full coverage car insurance in Wyoming for 50-year-olds
Drivers in their 50s can get the cheapest full coverage auto insurance in Wyoming:
- American National: $680 annually, or about $57 every month.
- State Farm: $987 annually, or about $82 every month.
- Geico: $1,495 annually, or about $125 every month.
- Farmers: $1,755 annually, or about $146 every month.
- Allstate: $2,997 annually, or about $250 every month.
Cheapest minimum coverage car insurance in Wyoming for 50-year-olds
Here are some insurers with the cheapest minimum coverage auto insurance rates in Wyoming:
- American National: $114 annually, or about $10 every month.
- Geico: $128 annually, or about $11 every month.
- State Farm: $191 annually, or about $16 every month.
- Farmers: $357 annually, or about $30 every month.
- Allstate: $519 annually, or about $43 every month.
Cheapest auto insurance in Wyoming for 50-year-olds with poor credit
Drivers with poor credit can also expect affordable auto insurance rates at the following companies in Wyoming:
- American National: $964 annually, or about $80 every month.
- State Farm: $1,626 annually, or about $136 every month.
- Geico: $2,056 annually, or about $171 every month.
- Farmers: $3,458 annually, or about $288 every month.
- Allstate: $4,344 annually, or about $362 every month.
Cheapest auto insurance in Wyoming for 50-year-olds with one speeding ticket
Here are some companies offering the lowest average rates to drivers with recent speeding tickets:
- American National: $184 annually, or about $15 every month.
- State Farm: $222 annually, or about $18 every month.
- Geico: $296 annually, or about $25 every month.
- Farmers: $415 annually, or about $35 every month.
- Allstate: $574 annually, or about $48 every month.
Cheapest auto insurance in Wyoming for 50-year-olds with one at-fault crash
Drivers who are looking for affordable auto insurance in Wyoming despite a recent accident can select the following companies:
- American National: $1,114 annually, or about $93 every month.
- State Farm: $1,237 annually, or about $103 every month.
- Farmers: $2,460 annually, or about $205 every month.
- Geico: $2,484 annually, or about $207 every month.
- Allstate: $4,012 annually, or about $334 every month.
Cheapest auto insurance in Wyoming for 50-year-olds after a DUI
Driers with a DUI have difficulty finding affordable insurance rates in Wyoming. Here are some of the cheapest auto insurance rates for such drivers:
- American National: $1,254 annually, or about $105 every month.
- State Farm: $1,394 annually, or about $116 every month.
- Allstate: $3,406 annually, or about $284 every month.
- Farmers: $3,827 annually, or about $319 every month.
- Geico: $4,577 annually, or about $381 every month.
Cheapest for 60-year-old drivers
Most drivers face immensely increasing insurance premiums as they reach their 60s. Drivers can avail of several senior citizen discounts to lower their average insurance coverage in Wyoming. With growing age, finding a suitable rate for you might be difficult, but it is possible.
Cheapest full coverage car insurance in Wyoming for 60-year-olds
Here are some of the cheapest full coverage insurance in Wyoming:
- American National: $680 annually, or about $57 each month.
- State Farm: $925 annually, or about $77 each month.
- Geico: $1,495 annually, or about $125 each month.
- Farmers: $1,624 annually, or about $135 each month.
- Allstate: $2,981 annually, or about $248 each month
Cheapest minimum coverage car insurance in Wyoming for 60-year-olds
Drivers who seek only minimum coverage auto insurance rates can find the best rates in Wyoming. Here are some of the cheapest coverage available below:
- American National: $114 annually, or about $10 each month.
- Geico: $128 annually, or about $11 each month.
- State Farm: $179 annually, or about $15 each month.
- Farmers: $346 annually, or about $29 each month.
- Allstate: $527 annually, or about $44 each month.
Cheapest auto insurance in Wyoming for 60-year-olds with poor credit
Drivers in their 60s need help to maintain a good credit score. Poor credit might affect their ability to seek affordable rates in auto insurance.
- American National: $964 annually, or about $80 each month.
- State Farm: $1,523 annually, or about $127 each month.
- Geico: $2,056 annually, or about $171 each month.
- Farmers: $3,147 annually, or about $262 each month.
- Allstate: $4,313 annually, or about $359 each month.
Cheapest auto insurance in Wyoming for 60-year-olds with one speeding ticket
Older drivers often drive slower. But it is possible to get speeding tickets that might increase their premiums. Here are some of the best insurers for such drivers.
- American National: $184 annually, or about $15 each month.
- State Farm: $207 annually, or about $17 each month.
- Geico: $296 annually, or about $25 each month.
- Farmers: $402 annually, or about $33 each month.
- Allstate: $584 annually, or about $49 each month.
Cheapest auto insurance in Wyoming for 60-year-olds with one at-fault crash
Here are some of the cheapest auto insurance for drivers with a fault crash:
- American National: $1,114 annually, or about $93 each month.
- State Farm: $1,159 annually, or about $97 each month.
- Farmers: $2,276 annually, or about $190 each month.
- Geico: $2,484 annually, or about $207 each month.
- Allstate: $3,985 annually, or about $332 each month.
Cheapest auto insurance in Wyoming for 60-year-olds after a DUI
Here are auto insurance coverages for drivers in 60s with a DUI:
- American National: $1,254 annually, or about $105 each month.
- State Farm: $1,306 annually, or about $109 each month.
- Allstate: $3,376 annually, or about $281 each month.
- Farmers: $3,546 annually, or about $296 each month.
- Geico: $4,577 annually, or about $381 each month.
Cheapest for 70-year-old drivers
Car insurance coverage for drivers in their 70s is much higher. One can avail senior citizens discounts for older citizens. Here are some of the cheapest insurance coverages for 70s drivers.
Cheapest full coverage car insurance in Wyoming for 70-year-olds
Here are the companies that offer full coverage insurance for older drivers with clean records.
- American National: $760 annually, or about $63 each month.
- State Farm: $966 annually, or about $81 each month.
- Geico: $1,590 annually, or about $133 each month.
- Farmers: $1,841 annually, or about $153 each month.
- Allstate: $2,997 annually, or about $250 each month.
Cheapest minimum coverage car insurance in Wyoming for 70-year-olds
Older drivers who seek the cheapest minimum coverage auto insurance in Wyoming can seek the following companies:
- American National: $132 annually, or about $11 each month.
- Geico: $136 annually, or about $11 each month.
- State Farm: $187 annually, or about $16 each month.
- Farmers: $423 annually, or about $35 each month.
- Allstate: $553 annually, or about $46 each month.
Cheapest auto insurance in Wyoming for 70-year-olds with poor credit
Older drivers with poor credit can also expect affordable auto insurance rates at the following companies in Wyoming:
- American National: $1,082 annually, or about $90 each month.
- State Farm: $1,592 annually, or about $133 each month.
- Geico: $2,187 annually, or about $182 each month.
- Farmers: $3,574 annually, or about $298 each month.
- Allstate: $4,336 annually, or about $361 each month.
Cheapest auto insurance in Wyoming for 70-year-olds with one speeding ticket
Here are some companies offering the lowest average rates to older drivers with recent speeding tickets:
- American National: $216 annually, or about $18 each month.
- State Farm: $217 annually, or about $18 each month.
- Geico: $304 annually, or about $25 each month.
- Farmers: $453 annually, or about $38 each month.
- Allstate: $612 annually, or about $51 each month.
Cheapest auto insurance in Wyoming for 70-year-olds with one at-fault crash
Drivers who are looking for affordable auto insurance in Wyoming despite a recent accident can select the following companies:
- State Farm: $1,211 annually, or about $101 each month.
- American National: $1,266 annually, or about $106 each month.
- Farmers: $2,331 annually, or about $194 each month.
- Geico: $2,580 annually, or about $215 each month.
- Allstate: $3,991 annually, or about $333 each month.
Cheapest auto insurance in Wyoming for 70-year-olds after a DUI
Some insurers in Wyoming offer affordable minimum coverage rates even after a DUI.
- State Farm: $1,365 annually, or about $114 each month.
- American National: $1,432 annually, or about $119 each month.
- Allstate: $3,407 annually, or about $284 each month.
- Farmers: $3,559 annually, or about $297 each month.
- Geico: $4,672 annually, or about $389 each month.
How Much Is Full Coverage Car Insurance in Wyoming?
Full coverage insurance means different things to different individuals. Wyoming drivers usually pay about $1500 for full coverage insurance, much less than the national average. Full coverage insurance might include comprehensive, collision, and liability insurance for maximum car protection.
Average annual car insurance rates in Wyoming by company
Various insurance companies offer auto insurance, from affordable to premium, for every age group. Also, Wyoming’s annual car insurance rates are affordable compared to the national average. It is around $1500, while the national average is over $2100. Your premium depends on a number of factors, along with your location. Your driving history and your age are all part of it. Getting affordable car insurance with clean driving records and no DUIs is easier.
How Much Is Liability-Only Coverage Car Insurance in Wyoming?
Liability-only coverage is compulsory for all drivers in Wyoming. Drivers must have coverage for at least $25,000 per person and $50,000 per accident coverage. The minimum coverage for property damage liability must cover up to $20,000 per accident.
Minimum car insurance requirements in Wyoming
The minimum coverage for drivers in Wyoming is to have liability insurance. In Wyoming, car owners must buy liability insurance with at least:
- $25,000 for a single person’s bodily injury
- $50,000 for injuries sustained by multiple people in one incident
- $20,000 for one accident-related property damage
It is always better to seek more coverage than the minimum required coverage as it protects drivers from unfortunate future accidents. With sufficient coverage, one can protect themselves from financial crises due to accidents.
Tips for How to Get Cheap Car Insurance in Wyoming
Here are some tips one can follow to find the right auto insurance in Wyoming:
- Always select the insurer that provides different coverages so you can select the correct type of coverage.
- Ensure that your premium rates are pocket-friendly and not over your budget. You might need more premium payments, and that can affect your insurance.
- Always compare your insurance company on various parameters to find the right fit.
- Even if you cannot afford much, always have the minimum required coverage in the state. Otherwise, you can even face prison time and fines up to $1500.
- Starting the insurance journey with smaller premiums and increasing overall coverage with time is better.
No-fault insurance in Wyoming
No, Wyoming does not offer no-fault insurance. In other words, a driver who causes an accident is also responsible for the damage. As a result, Wyoming drivers may want to consider additional coverage such as:
- Medical Payments (MedPay)
- Uninsured Motorist Coverage
While these coverages are optional, it is recommended that you have them in case you get into an accident with an uninsured or underinsured driver. Wyoming requires drivers to opt out of such coverage in writing.
Conclusion
When looking for the cheapest car insurance in Wyoming, it helps to note that the state requires its citizens to have at least minimum coverage insurance to safeguard the victims in case of accidents. This type of liability insurance covers up to $50,000 per accident. Most drivers pay different insurance rates depending on age, gender, driving records, and location.
Wyoming’s overall auto insurance rates are much lower than the national average. Minimum coverage is better, or you might face jail time up to six months. One can maintain affordable insurance rates with timely renewal and safe driving practices.
Remember that auto insurance with Beem covers damage to your vehicle, other vehicles or property, and injuries to yourself or others.
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FAQs
Is car insurance required in Wyoming?
Yes, car insurance is compulsory for all drivers in Wyoming.
Which cars are required to be insured in Wyoming?
All vehicles one operates or drives must be insured with liability insurance in Wyoming.
When should I get car insurance in Wyoming?
One should buy insurance within 15 days of renewal. Also, dealerships offer various auto insurance policies if you buy a new car.
How much car insurance do I need in Wyoming?
One must buy at least $ 25,000 per person for bodily injury as liability coverage in Wyoming.
How much is car insurance in my city in Wyoming?
Car insurance in Wyoming is cheaper than the national average. Usually, a driver in Wyoming pays about $854 annually in car insurance.
What happens if my car needs to be insured correctly in Wyoming?
One can face up to six months in prison, a license suspension, or a fine of up to $1500 if one drives without valid insurance in Wyoming.
Is Wyoming a no-fault state?
No, Wyoming is not a no-fault state, and drivers who cause accidents are responsible for the damages.
Do I need uninsured motorist coverage in Wyoming?
No, uninsured motorist coverage is not compulsory in Wyoming.
Is liability insurance required in Wyoming?
Yes, there is minimum coverage with liability insurance in Wyoming.
Does Wyoming accept digital insurance cards?
Yes, Wyoming accepts digital insurance cards.
Is insurance expensive in Wyoming?
No, insurance is much cheaper in Wyoming than the national average.
What’s the average cost of car insurance in Wyoming?
The average cost of full coverage insurance in Wyoming is $1582. And the minimum coverage in Wyoming is about $263 annually.
