Drivers in the Cowboy State of Wyoming have a plethora of options when it comes to car insurance. To help narrow down these choices, the MarketWatch Guides team conducted a thorough review of numerous companies, analyzing their reputation, availability, coverage options, cost, and customer experience. In this article, we will reveal the best car insurance providers in Wyoming to assist you in making an informed decision.
Key Takeaways:
Based on its strong local presence, depth of coverage options, and discounts, Farmers is recommended as the best car insurance provider in Wyoming.
The average cost of a minimum-coverage auto insurance policy in Wyoming is $26 monthly or $308 annually. For full coverage, the average cost is $142 monthly or $1,702 annually.
Wyoming state requirements include $25,000 in bodily injury liability per person, $50,000 in total bodily injury per accident, and $20,000 in property damage liability coverage.
Best Wyoming Car Insurance:
To determine the best car insurance in Wyoming, companies were reviewed based on reputation, availability, coverage options, cost, and customer experience. The top five recommended car insurance providers in Wyoming are Farmers, USAA, State Farm, Geico, and American National. These companies have solid financial credentials and a reputation for providing quality coverage at competitive rates.
Farmers: Best Overall for Wyoming Drivers
Farmers is a reliable auto insurer in Wyoming, offering a wide range of optional coverages for increased protection. With numerous discounts for Wyoming drivers and 22 local agencies in the state, Farmers stands out as a top choice. Optional coverages include towing and roadside service, rental car reimbursement, rideshare protection, loss of use coverage, and more.
In terms of reputation, Farmers has nearly a century of experience and an A rating from AM Best for excellent financial strength. While the company has a low BBB rating due to slow complaint response times, it scored 796 out of 1,000 in the J.D. Power Auto Insurance Study for overall customer satisfaction.
USAA: Best for Military Members
USAA is highly regarded for its customer service and satisfaction, making it an excellent choice for military-affiliated drivers in Wyoming. With a J.D. Power score of 875 out of 1,000 and an A++ financial strength rating from AM Best, USAA offers usage-based insurance savings and additional coverages like roadside assistance and rideshare gap protection.
State Farm: Best Customer Experience
State Farm offers competitive rates, multiple discounts, and excellent customer service in Wyoming. With local agencies in seven cities, the company provides personalized policies through its Personal Price Plan®. Additional coverages include car rental and travel expense coverage, emergency road service, and rideshare driver coverage.
Geico: Best for Budget-Conscious Drivers
Geico is known for its low average rates and good financial strength. With an A++ rating from AM Best and an A- rating from the BBB, Geico offers coverage options like driveEasy usage-based insurance. While the company may not have as many optional coverages as others, it provides affordable basic protection for budget-conscious drivers.
American National: Best Perks and Benefits
American National offers personalized service from local agents and a variety of optional coverages and benefits. With perks like roadside assistance, gap insurance, rental car coverage, and single deductible options, American National provides reliable coverage for Wyoming drivers. The company has an A rating from AM Best and positive customer reviews on Clearsurance.
How to Find the Best Car Insurance in Wyoming:
To find the best car insurance in Wyoming, consider the amount of coverage you need based on state requirements and your personal preferences. Wyoming drivers are required to carry liability insurance with specific coverage limits, but full-coverage policies offer additional protection for you and your vehicle. Standard coverages like collision and comprehensive insurance can help protect your vehicle in various situations.
Car Insurance Costs in Wyoming:
The average cost of car insurance in Wyoming is $26 monthly or $308 annually for minimum coverage and $142 monthly or $1,702 annually for full coverage. Rates may vary based on factors like location, driving history, and coverage options. Cheaper rates can be found in rural areas, while larger cities may have higher premiums due to increased risks.
Car Insurance Discounts in Wyoming:
To save money on car insurance in Wyoming, look for discounts like safe and defensive driving discounts, usage-based insurance discounts, and payment discounts. Many insurers offer discounts for safe driving habits, upfront payments, and auto-pay options. By taking advantage of these discounts, you can lower your insurance costs.
Best Car Insurance in Wyoming: The Bottom Line:
Farmers, USAA, State Farm, Geico, and American National are recommended as the best car insurance providers in Wyoming. Each company offers competitive rates, quality coverage options, and good customer experiences. To find the cheapest company for your needs, compare quotes from at least three providers and consider factors like driving history and coverage preferences.
Our Methodology:
Our ratings of the best car insurance companies in Wyoming were based on factors like industry standing, availability, coverage options, cost, and customer experience. We conducted extensive research, reviewed 45 companies, and surveyed over 8,500 consumers to determine the top providers. By considering these key factors, we were able to rank the best car insurance companies in Wyoming accurately.
In conclusion, choosing the right car insurance in Wyoming is essential for protecting yourself and your vehicle on the road. By considering factors like coverage options, cost, discounts, and customer experience, you can make an informed decision and find the best car insurance provider for your needs in the Cowboy State.