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Minimum Car Insurance Requirements in Wyoming & Cheapest Premiums by Insurer

If you are in the market for inexpensive auto insurance in Wyoming, your best options are going to be with State Farm, Progressive, and Grange Association.

Each carrier is able to provide quotes up to 22% cheaper than average premium for drivers of similar age and profile. 

Other carriers you want to put on your list to get quotes are Mountain West, Allstate, and Safeco (a Liberty Mutual company).

Each insurer is able to provide quotes from 10% to 20% lower than the median rate for drivers with a decent driving history.

If you are a teacher, police officer, or EMS, etc. a good option for bargain basement quotes is from California Casualty. 

In this article, I am going to cover the minimum requirements in Wyoming, the least expensive insurance quotes by price and age, plus a few cost-saving tips along the way.

If you would like to skip to a certain portion of the article, there is a table of contents down a little and to the right. 

Lowest price premiums for 25 y/o driver in WY.

Wyoming Minimum Liability Coverage

CoverageWyoming Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$25,000 per person / $50,000 per accident$100,000 per person / $300,000 per accident
Property Damage$20,000 per accident$100,000 per accident
Medical Payments Coverage (MedPay)N/A$5,000
Uninsured MotoristN/A$25,000 / $50,000
Comprehensive CoverageN/A$500 deductible
Collision CoverageN/A$500 deductible

Bodily Injury Liability

In the event the insured party is held accountable for the accident, bodily injury liability covers the doctor’s bills or medical expense of the passengers in the other vehicle.

If the minimum coverage is purchased the insurer will pay $25,000 for a single person up to $50,000 for all passengers concerned in the accident.

Cheapest policy options for 30 y/o driver in Wyoming.Property Damage Liability

Coverage for damages to the other person’s automobile, as well as private or public property, such as guard rails, traffic signs, your neighbor’s mailbox or a garage door, which could have been concerned in the accident.

Under minimum coverage, the insurance company will pay up to $20,000 to cover losses sustained in the accident.

There are no other minimum requirements for auto insurance in the state of Wyoming.

However, it is recommended to get additional coverage, particularly if you have a vehicle which costs more than $4,000.

Inexpensive quotes by price for 40 y/o drivers.Cheapest Auto Insurance Firms in Wyoming

Below is a list of the cheapest carriers from 25 to 55 years of age.

The top three carriers overall are GEICO, State Farm, and Progressive.

I found that if you were to get a quote the cheapest will likely come from those three.

GEICO is approximately 22% lower than the state average across all of the drivers with different profiles by age.

Other carriers that are competitive in Wyoming are Grange and Mountain West.

Typically they are 12% to 15% lower than the statewide premium quote.

It is important to note, Grange is Grange Insurance Association from Seattle, Washington.

If you reside in the Wyoming, getting quotes from any of the 5 carriers, you should be able to find a rate 10% lower than the average premium for similar profile drivers.

However, your premium is going to determined by various factors used by insurers, such as your driving history, credit, etc.

Company25 Y/O Average Premium30 Y/O40 Y/O45 Y/O55 Y/O
GEICO$1,452$1,187$925$711$503
State Farm $1,465$1,190$943$723$512
Progressive$1,512$1,210$965$744$506
Grange$1,568$1,234$980$785$512
Mountain West$1,590$1,266$1,020$800$543
Allstate$1,652$1,287$1,045$809$567
Safeco $1,655$1,290$1,078$822$598
California Casualty$1,700$1,340$1,090$854$600
Farmers$1,724$1,369$1,100$866$611
Mid-Century$1,800$1,427$1,140$870$615
Nationwide$1,812$1,556$1,145$890$620
Service First$1,829$1,683$1,187$903$629
Liberty Mutual$1,941$1,700$1,210$915$638
Wyoming Financial$1,987$1,725$1,231$923$657
Sentry$2,037$1,832$1,328$941$687

Common amount of coverage per driver in Wyoming

  • Bodily Injury Liability – $100,000/$300,000

  • Property Damage Liability – $100,000

  • Medical Payment Coverage – $5,000

  • Uninsured Motorist Protection (UM) – $25,000/$50,000

  • Comprehensive Coverage – $500 deductible

  • Collision Coverage – $500 deductible

If you are shopping for Wyoming cheap auto insurance, you want to be sure to have more advantages to save on car insurance.

This graph shows the highest percentage of savings for lowering a drivers rate with auto insurance. Shopping around is the highest at 25 percent and comparing costs at 20, with good credit and low mileage at 15, 10 respectively.Note: The percentage savings are only approximate. Shopping for cheaper insurance normally produces savings of 25 percent in the State of Wyoming.

*Compare costs of a premium before you buy the vehicle.

**Low mileage driving or even for “pleasure” use if you take the bus instead of driving.

Listed below are some of the best ways to save.

Be sure to discuss with your agent, broker, use an online directory, what is covered and what may not be covered.

What you would pay if you raised any of your deductibles?

Affordable carriers by price for 45 y/o drivers.Consider these Habits to Lower Your Premium in the The Cowboy State

  • Carpooling – let the insurer know you drive only 8,000 miles per year instead of 12,000.

  • Be sure to buy what you need – if you have a $2,000 vehicle then forgo comprehensive and collision coverage.

  • Raise your deductible – if you raised your deductible for comprehensive or collision from $100 to $1000 dollars you could get an extra fifteen percent in savings. Just know that first $1000 comes out of your pocket if you need to use the cover.

  • Combine your polices – if you have health, car, life, or any other type of insurance then think about combining them into an umbrella policy with one insurer.

  • Check your driving habits – if you have recently moved or you are driving less then tell your broker and get reduced rates. Lower mileage is always lower car insurance rates.

  • Use a tracking device – If you know you are good driver then devices such as Progressive’s Snapshot program can drastically reduce your rates.

  • Pay your bills on time – The majority of insurers use your credit score to determine your rate and if they see a few late payments then your rates can go up.

Least expensive premiums by price for 55 y/o drivers.Available Wyoming Discounts

Discounts are a great way to lower your premium. Many of them are overlooked.

You can call your insurer directly and ask about them.

One overlooked discount is low mileage.

If you drive less than before, you can get a low mileage discount, if your insurer offers it.

Combining your policies is a common discount of 10% for some insurers.

For young drivers, a driver education or safety course, is a good way to mitigate high premiums.

By PopularityDiscount AvailableTypical Percentage
1Multi-car10 Percent
2Multi-policy10 Percent
3Anti-theft or security system5 Percent
4Good student5 Percent
5Driver eduction10 - 15 Percent
6Safety course10 - 20 Percent
7VIN “etching” discounts*5 Percent

Best Insurers by Written Premiums, Rate Change, and Consumer Rating

Checking on the consumer rating and the amount of complaints is a decent way to determine if you want to buy a policy from a carrier.

Below I have outline the amount of written premiums by insurer, the rate change over a 12 to 18 month period, plus consumer rating for each.

The rate change over a 12 to 18 month period has nothing unusual and you may see a slight increase in your premium from time to time.

If you have a driving violation, your premium may increase significantly.

The consumer ratings are from AM Best, JD Power & Associates, and other reputable online sources to get an average.

Typically, the top companies have higher consumer ratings since the claims process goes smoother through them if, perhaps, you need to file one.

CompanyWritten PremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
GEICO$1,763,665+1.7%74.5
State Farm $1,004,112+1.9%124.4
Progressive$833,229+1.7%54.4
Grange $429,749+2.2%34.2
Mountain West$978,837+2.5%193.9
Allstate$553,875+1.7%64.4
Safeco $422,761+2.6%114.1
California Casualty$255,923+2.8%33.9
Farmers$213,998+2.0%24.3
Mid-Century$231,221+2.1%83.7
Nationwide$198,676+2.9%14.2
Service First$154,985+2.3%13.5
Liberty Mutual$621,998+2.2%24.3
Wyoming Financial$174,221+2.6%63.9
Sentry$98,093+2.8%13.7

Average Premium Price by City

The average premium by city can vary significantly since insurers use your location as a risk factor when determining your rate.

Below I have outlined the average premium by city in Wyoming.

The average premium is from $1,148 to over $1,500 per year for full coverage.

If your quotes are significantly higher than those listed below you may want to check for driving violations or your credit score.

The quotes are for a 30 year old driver with one driving violation.

CityAvg PremiumPopulationCityAvg PremiumPopulation
Arapahoe$1,1871,656Lander$1,3767,487
Bar Nunn$1,2342,213Laramie$1,38830,816
Casper$1,26555,316Mills$1,3443,461
Cheyenne$1,28759,466Ralston$1,400280
Cody$1,3799,520Ranchester$1,258855
Dayton$1,366757Reliance$1,199714
Ethete$1,3871,553Riverton$1,31910,615
Evanston$1,26712,359Rock Springs$1,33323,036
Evansville$1,2902,544Sheridan$1,40817,444
Fort Washakie$1,3511,759Story$1,548828
Gillette$1,36529,087Superior$1,511336
Green River$1,38712,515Torrington$1,4216,501
Guernsey$1,1981,147Wheatland$1,4393,627
Hudson$1,148458Wilson$1,3511,482

Cheyenne

Least expensive premiums in Cheyenne for drivers.

To find the cheapest premium in Cheyenne start with State Farm, Grange, and California Casualty.

I queried each at $976, $1,055, and $1,076 for a 30 year old driver.

Which is 26% lower than the average premium in Cheyenne for a driver with a similar profile.

A 45 year old can find the cheapest quotes with State Farm.

I queried them at $765 per year for full coverage.

Which is 24% lower than the median quote in the city. Grange is equally competitive with a low quote at $798.

A 55 year old can find the least expensive quote with State Farm.

I queried them at $577 per year which is 25% lower than the average policyholder within the city.

Cheyenne Company30 Y/O45 Y/O55 Y/O
GEICO$944$732$566
State Farm$976$765$577
Grange$1,055$798$594
California Casualty$1,076$811$622
Allstate$1,176$815$638

Cheyenne is the largest city in the state of Wyoming and also the state capital.

It was founded in 1867 with approximately 1,500 people.

Today there are nearly 60,000 residents and approximately 100,000 in the metropolitan area.

In the early days Cheyenne had the classic cowboy and rebel types throughout the city after the arrival of the railroad.

People from around the country came to Cheyenne in hopes to hit it big through gambling and other illicit activity.

Cheyenne became known as the “Magic City on the Plains” until 1890.

Casper

Casper low-cost policy prices for 30 to 55 y/o drivers.

If you aren’t getting the best prices in Casper when it comes to your auto premium you’re probably not looking in the right place.

Start by getting quotes from State Farm, Safeco, and Grange.

I queried each at $947, $1,048, and $1,076 per year for a 30 year old driver.

Which is 25% lower than the average premium in Casper.

With quotes clustering between $890 and $1,165 it would make sense to compare companies.

There is $275 variance between the lowest and the highest price.

A 45 year old can get low quotes with State Farm and Safeco.

I queried each at $705 and $725 per year for full coverage. Or 26% lower than the average premium within the city.

For a 55 year old we found the cheapest carrier with State Farm at $521 per year. Safeco and Grange are $20 and $40 more expensive but still 20% lower than the “mean” quote.

Casper Company30 Y/O 45 Y/O 55 Y/O
GEICO$890$680$521
State Farm$947$705$548
Safeco $1,048$725$569
Grange$1,076$786$611
Allstate$1,165$828$632

Casper is the 2nd largest city in the state with 55,000 residents. It was founded around 1859 and has history of cowboy culture and oil boomtown.

Casper came to prominence when oil was discovered at the Salt Creek Oil Field in 1889.

Today, the city is at the top of the energy industry and it one of the top 10 places to raise a family by Forbes Magazine.

Laramie

Laramie inexpensive policy price points for drivers.

To get cheap car insurance in Laramie start by getting quotes from State Farm, Grange, and Allstate.

I queried each at $955, $1,062, and $1,163 respectfully for a 30 year old driver.

State Farm at $955 is 24% lower than the “mean” quote in Laramie. Grange and Allstate are 20% and 16% lower respectfully.

A 45 year old can find the lowest quotes with State Farm. I queried them at $765 per year for full coverage.

Which is 25% lower than the average policyholder within the city.

A 55 year old can get the least expensive quotes with State Farm and Grange. Each queried at $548 and $587 respectfully per year.

Which is 24% to 26% lower than the state average.

Laramie Company30 Y/O45 Y/O55 Y/O
GEICO$934$737$530
State Farm$955$765$548
Grange$1,062$780$587
Allstate$1,163$825$632
Mountain West$1,180$854$647

Laramie has a history of lawlessness. Settled in the mid 19th century along the Union Pacific Railroad many mayors during early days had a difficult administering justice.

Many of the towns elected officials were part of the problem and were lax on the rough and rowdy characters residing in Laramie.

In 1998, the city was covered by national and international media about Matthew Shepard, a gay student from the University of Wyoming, which was murdered.

This incident brought about the hate crimes policy in the United States today.

Gillette

Gillette cheapest premium options for drivers.

Drivers in Gillette can get the least expensive quotes with State Farm, Mountain West, and Grange.

I queried each at $966, $1,008, and $1,069 for a 30 year old driver.

State Farm is 23% lower than the citywide average premium.

All the insurers illustrated are worth getting quotes from for the most savings.

A 45 year old can get the cheapest rates with State Farm.

I queried them at $722 which is 22% lower than the “mean” quote in Gillette.

A 55 year old can get affordable quotes with State Farm and Mountain West.

Each queried at $522 and $587 respectfully per year for full coverage. Which is 23% lower than the average policyholder within the city.

Gillette Company30 Y/O45 Y/O55 Y/O
State Farm$966$722$522
GEICO$989$756$545
Mountain West$1,008$785$587
Grange$1,069$837$600
Allstate$1,132$865$642

Gillette has had rapid population increase since the year 2000. With only 19,000 residents in 2000, today there are nearly 32,000.

Known as the “Energy Capital of the Nation” since 35% of the nations coal comes from Wyoming and the majority from Gillette.

The area was formerly known as Donkey Town and tents sprawled the landscape.

After the arrival of the railroad the area known as Gillette began to prosper.

Sheridan

Sheridan affordable premiums by price for all drivers.

Drivers in Sheridan can get affordable quotes from State Farm, Mountain West, and Grange.

I queried each at $980, $1,012, and $1,065 for a 30 year old driver.

Or 27% lower that the average rate for a similar profile driver.

A 45 year old can find low quotes with State Farm and Mountain West. Each queried at $766 and $790 per year for full coverage.

Which is 25% lower than the “mean” quote in Sheridan.

A 55 year should get quotes from State Farm, Mountain West, and Grange.

With quotes clustering between $546 and $611 which is approximately 24% lower the citywide average premium.

Sheridan Company30 Y/O45 Y/O55 Y/O
GEICO$932$737$520
State Farm$980$766$546
Mountain West$1,012$790$578
Grange$1,065$830$611
Allstate$1,167$856$643

Sheridan is a former sagebrush cowboy town with approximately 17,000 residents.

Sheridan established itself as a cattle ranching, logging, and agricultural community.

Today, Sheridan is popular western town for visitors from all over the world.

It is a hot vacation destination and stop with its western-cowboy culture and location to nearby interstates.

A popular historic site within the city is the Sheridan Inn. It has a rich history of notable guests from all over the world.

Green River

Green River, WY lowest price premiums for all drivers.

When I did my queries for quotes I found Mountain West to be the cheapest in Green River. Followed by State Farm and Grange.

I queried each at $907, $933, and $987 for a 30 year old driver.

Or 28% lower than the average premium.

A 45 year can get low quotes with Mountain West with low quotes at $697.

Or 28% lower than the “mean” quote in Green River.

State Farm is $83 more with a quote at $780.

A 55 year old can get the best price with Mountain West and State Farm.

I queried each at $498 and $545 respectfully per year for full coverage.

Green River Company30 Y/O45 Y/O55 Y/O
Mountain West$907$697$498
GEICO$916$740$512
State Farm$933$780$545
Grange$987$800$568
Allstate$1,098$789$602

Green River is a small quaint community of approximately 12,000 residents. Green River was incorporated in 1868.

In the 1800s, John Wesley Powell set out on his expeditions to the Grand Canyon, the Colorado River and the Green River.

The area now known as Green River was initially supposed to be the Union Pacific Railroad’s division point. However, by the time the railroad reached the area, a city had already been established.

Evanston

Evanston, WY cheapest policy quotes for all drivers.

To get the lowest premium in Evanston start by getting quotes from Mountain West, State Farm, and Grange.

I queried each at $917, $965, and $1,008 for a 30 year old driver.

Which is 26% lower than the citywide average premium.

A 45 year old can get low quotes with Mountain West.

I queried them at $690 per year for full coverage. Or 27% lower than the “mean” rate within the city.

A 55 year can get low quotes with Mountain West and State Farm. Each queried at $500 and $521 per year for full coverage.

Or approximately 28% lower than the “mean” quote for a driver with a similar profile.

It would be smart for drivers to get quotes from all insurers illustrated for the most savings and optimum coverage.

Evanston Company30 Y/O45 Y/O55 Y/O
GEICO$912$689$498
Mountain West$917$690$500
State Farm$965$725$521
Grange$1,008$754$554
Allstate$1,043$789$589

Evanston is small community of approximately 12,000 residents.

Located on the border of Utah it was founded during the construction of the railroad in 1868.

With the abundance of timber and water along the Bear River, Evanston became an excellent stop for the railroad going east or west.

During the oil boom during the 1980’s the city had rapid expansion.

And with recent drilling for natural gas the city of Evanston has revitalized again today.

Riverton

Riverton cheapest quotes by price for 30 to 55 y/o drivers.

Riverton has the cheapest quotes in the state of Wyoming.

To find the lowest rates in the city start with Mountain West and State Farm.

I queried each at $911 and $915 per year for a 30 year old driver. Which is 28% lower than the average premium.

A 45 year old can the cheapest rates with Mountain West and State Farm.

I queried each at $678 and $680 per year for full coverage.

Or nearly 30% lower than the “mean” quote. With quotes clustering between $678 and $765 it would be smart to get a quote from carriers illustrated.

A 55 year can get the least expensive premium with Mountain West.

I queried them at $468 which is 31% lower than the average policyholder in Riverton.

Riverton Company30 Y/O45 Y/O55 Y/O
Mountain West$911$678$468
State Farm$915$680$500
GEICO$919$708$479
Grange$968$732$536
Allstate$1,008$765$567

Riverton is quiet community with approximately 10,000 residents.

Riverton was originally inhabited by the Arapaho and Shoshone Native Americans. It is named because four rivers meet near the city.

The town of Riverton was established in 1906.

The area was originally served by the Chicago & Northwestern Railroad, and became its supplier of railroad ties in 1914.

Jackson

Jackson, WY cheapest premium quotes for all drivers.

For drivers in Jackson to get the cheapest quotes start with Mountain West, State Farm, and Grange.

I queried each at $914, $954, and $1,005 respectfully for a 30 year old driver.

Mountain West is 26% lower than the average premium.

A 45 year old can get low quotes with Mountain West.

I queried them at $680 per year for full coverage. Or 29% lower than the “mean” quotes in Jackson.

A 55 year old can find the lowest premium with Mountain West and State Farm.

Each queried at $496 and $532 per year for full coverage. Or approximately 30% lower than the citywide average premium.

Jackson Company30 Y/O45 Y/O55 Y/O
Mountain West$914$680$496
GEICO$920$712$508
State Farm$954$738$532
Grange$1,005$787$557
Allstate$1,038$806$604

Jackson, Wyoming is a popular destination for celebrities because of nearby Jackson Hole Ski Resort.

Also, it’s popular destination for all tourists with the close proximity of Yellowstone and the Grand Teton National Parks.

In 1872 Yellowstone became the first national park in the world.

Today, there are nearly 10,000 residents. However, there are thousands of visitors to the area each year. 

Jackson Town Square features arches made from a vast number of elk antlers and includes numerous shops and art galleries.

Conclusion

At Autoinsuresavings we never want you to settle for less nor pay more for Wyoming car insurance quotes when all you have to do is comparison shop in your home or whenever you are on the go.

The advance tool at the top of the page will help you find additional savings on your premium.

Once you have the policy that fits your needs be sure to take advantage of the discounts and methods to lower your monthly premium.

Then you are on your way to saving hundreds of dollars per year on your policy. 

Sources

http://www.mtnwst.com/

http://www.rmiia.org/auto/

http://doi.wyo.gov/consumers

State Driver Guide

Greg Fowler
Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at Google+ or Facebook Profile.

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