Best Pay-As-You-Go Auto Insurance in Wyoming (Top 10 Providers for 2024)
The best pay-as-you-go auto insurance in Wyoming are Allstate, AAA, and Farmers, offering rates as low as $22 per month, low premiums and tailored programs. These companies provide the cheapest base rates, excellent safe driving rewards, ensure affordable and flexible pay-as-you-go auto insurance in Wyoming.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Sep 29, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
11,413 reviewsCompany Facts
Full Coverage for Pay-As-You-Go in Wyoming
A.M. Best Rating
Complaint Level
Pros & Cons
11,413 reviews
2,934 reviewsCompany Facts
Full Coverage for Pay-As-You-Go in Wyoming
A.M. Best Rating
Complaint Level
Pros & Cons
2,934 reviews
2,903 reviewsCompany Facts
Full Coverage for Pay-As-You-Go in Wyoming
A.M. Best Rating
Complaint Level
Pros & Cons
2,903 reviewsAllstate, AAA, and Farmers have the best pay-as-you-go auto insurance in Wyoming.
Other great companies for Wyoming auto insurance are listed below.
Our Top 10 Company Picks: Best Pay-As-You-Go Auto Insurance in Wyoming
| Company | Rank | Safe Driving Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 21% | A+ | Personalized Rates | Allstate |
 | #2 | 19% | A | Usage Tracking | AAA |
 | #3 | 17% | A++ | Safe Driving | Farmers |
 | #4 | 19% | B | Local Agents | State Farm |
 | #5 | 22% | A+ | Mileage Discount | Nationwide |
 | #6 | 20% | A | Low Mileage | Liberty Mutual |
 | #7 | 21% | A+ | Usage Savings | The Hartford |
 | #8 | 16% | A++ | Personalized Premiums | USAA |
 | #9 | 15% | A+ | Mileage Pricing | Progressive |
 | #10 | 14% | A+ | Customer Service | Erie |
Want to jump right into finding the best cheap auto insurance in Wyoming? Compare rates with our free tool to find the best Wyoming car insurance costs in your area.
- Allstate has the best pay-per-mile insurance in Wyoming
- AAA and Farmers also have great pay-per-use auto insurance in Wyoming
- Compare quotes to find the cheapest pay-per-mile insurance in Wyoming
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#1 – Allstate: Top Pick Overall
Pros
- Personalized Rates: Allstate’s pay-per-mile auto insurance with Milewise personalizes rates to each driver. Learn more in our Allstate Milewise review.
- Financial Stability: Allstate’s financial stability allows the company to keep rates reasonable.
- Various Discounts: Allstate’s discounts include safe driving discounts.
Cons
- Not Best for High-Mileage Drivers: Allstate’s rates are higher if you drive more than 10,000 miles annually.
- Discounts Vary by Location: Allstate’s discount amounts and availability can vary by state.
#2 – AAA: Best for Usage Tracking
Pros
- Usage Tracking: AAA offers a good driver discount to drivers who do well with its usage tracking program.
- Membership Perks: AAA offers perks besides auto insurance, such as shopping discounts.
- Roadside Reliability: AAA’s roadside assistance is well-rated for reliability. Learn more in our AAA auto insurance review.
Cons
- Membership Fees: AAA’s membership fees may cancel out savings.
- Data Tracking: Drivers need to be okay with their data being tracked to earn a usage-based discount.
#3 – Farmers: Best for Safe Driving
Pros
- Safe Driving: Safe drivers are rewarded with discounts and accident forgiveness at Farmers.
- Local Agents: Farmers provides personalized service with local agents. Discover more in our Farmers review.
- Coverage Options: Farmers has a wide range of coverages.
Cons
- Discount Availability: Farmers’ discount amounts and availability can vary by state.
- High-Risk Driver Rates: High-risk drivers, such as those with DUIs, often have higher-than-average rates at Farmers.
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#4 – State Farm: Best for Local Agents
Pros
- Local Agents: State Farm offers personalized assistance through its local agents. Find out more in our State Farm review.
- Usage-Based Discount: State Farm tracks drivers to award a safe driving discount.
- Coverage Options: State Farm has a variety of auto insurance coverages.
Cons
- Discount Availability: State Farm’s discounts may not be available in every state.
- Rates for High-Risk Drivers: State Farm’s rates aren’t as affordable for drivers with poor driving records.
#5 – Nationwide: Best for Mileage Discount
Pros
- Mileage Discount: Nationwide offers savings for low mileage. Learn about Nationwide’s other saving opportunities in our Nationwide review.
- Customer Service: Nationwide has a decent reputation for customer service.
- Coverage Options: Nationwide offers additional coverages to round out policies.
Cons
- Not Best for High-Mileage: Drivers with high mileage will have higher rates.
- Discount Availability: Nationwide’s mileage and usage discounts aren’t available in every state.
#6 – Liberty Mutual: Best for Low Mileage
Pros
- Low Mileage: Liberty Mutual’s usage-based program is great for drivers with low mileage.
- Discount Variety: Liberty Mutual has plenty of saving opportunities, which you can read about in our Liberty Mutual review.
- Customer Service: Liberty Mutual has a good reputation for customer service.
Cons
- Usage-Based Availability: Liberty Mutual’s UBI program isn’t available in all states.
- Premium Rate Increases: Some customers have reported increases in their rates.
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#7 – The Hartford: Best for Usage Savings
Pros
- Usage Savings: The Hartford offers discounts based on usage. We go over discounts in more detail in our review of The Hartford.
- Customer Service: The Hartford has a strong reputation for customer service.
- Coverage Variety: The Hartford offers several auto insurance coverages.
Cons
- High-Risk Driver Rates: The Hartford isn’t as economical for high-risk drivers, such as teens.
- Data Tracking: The Hartford tracks data for its UBI discount.
#8 – USAA: Best for Personalized Premiums
Pros
- Personalized Premiums: Drivers can adjust coverages and deductibles for personalized premiums.
- Non-Auto Insurance Discounts: USAA members qualify for shopping and travel discounts.
- Customer Service: USAA has a strong customer service reputation. Find out more in our USAA review.
Cons
- Eligibility Limited: USAA is only sold to military personnel, veterans, and their families.
- Coverage Options: USAA has fewer add-ons than other companies.
#9 – Progressive: Best for Mileage Pricing
Pros
- Mileage Pricing: Progressive offers usage-based discounts, which you can learn about in our Progressive review.
- Online Tools: Progressive offers easy-to-use online tools for budgeting, policy management, and more.
- Coverage Options: Progressive has rental car reimbursement, loan/lease payoff, and more.
Cons
- Usage-Based Rate Increases: Progressive’s program is best for safe drivers, as unsafe drivers may see rate increases.
- Discount Availability: Progressive’s discounts may vary by location.
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#10 – Erie: Best for Customer Service
Pros
- Customer Service: Erie has a good reputation for customer service, which we cover in our Erie review.
- Rate Lock: Erie locks rates in unless policy changes are made.
- Various Coverages: Erie offers a variety of coverages to customers.
Cons
- Availability: Erie auto insurance isn’t widely available across the U.S.
- High-Risk Driver Rates: Rates may be higher for high-risk drivers.
Wyoming Pay-Per-Mile Insurance Calculator
Pay-per-use car insurance in Wyoming encompasses a range of innovative approaches aimed at aligning insurance costs more closely with actual vehicle usage. While it can encompass usage-based discounts for safe driving behaviors, the predominant model in Wyoming revolves around pay-per-mile programs, such as Allstate’s Milewise.
Programs like this offer cheap auto insurance for infrequent drivers, as they charge per mile after a small daily or monthly rate. If your auto insurance company doesn’t offer a pay-per-mile option, it may still have a usage-based discount, such as Allstate’s Drivewise discount options.
This means that individuals who drive less frequently may benefit from significantly reduced insurance costs compared to those who have higher mileage. By leveraging technology such as telematics devices or smartphone apps to track mileage, insurers can accurately assess risk and tailor premiums accordingly.
Pay-As-You-Go Auto Insurance Strategies for Wyoming Drivers
There are several Wyoming auto insurance companies where you can purchase pay-as-you-go auto insurance, such as Allstate. However, it may not be economical for all drivers, as rates will vary based on mileage, gender, and age (learn more: how annual mileage affects auto insurance rates).
Monthly Rates for Pay-As-You-Go Auto Insurance in Wyoming
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $39 | $105 |
| Allstate | $61 | $160 |
| Erie | $22 | $58 |
| Farmers | $53 | $139 |
| Liberty Mutual | $68 | $174 |
| Nationwide | $44 | $115 |
| Progressive | $32 | $86 |
| State Farm | $33 | $86 |
| The Hartford | $43 | $113 |
| USAA | $22 | $59 |
Discover the ideal timing for purchasing pay-as-you-go auto insurance in Wyoming with our comprehensive breakdown of monthly rates from top insurance providers. From minimum to full coverage, compare rates from AAA, Allstate, Erie, Farmers, The Hartford, Liberty Mutual, Nationwide, Progressive, State Farm, and USAA to make an informed decision tailored to your needs and budget.
Wyoming Auto Insurance Monthly Rates by Age, Gender, & Annual Mileage
| Age & Gender | 6,000 Miles | 10,000 Miles | 12,000 Miles | 15,000 Miles |
|---|---|---|---|---|
| 16-Year-Old Female | $72 | $131 | $162 | $193 |
| 16-Year-Old Male | $86 | $147 | $175 | $220 |
| 20-Year-Old Female | $95 | $153 | $175 | $207 |
| 20-Year-Old Male | $101 | $174 | $194 | $243 |
| 30-Year-Old Female | $97 | $151 | $172 | $216 |
| 30-Year-Old Male | $113 | $176 | $187 | $235 |
| 40-Year-Old Female | $97 | $156 | $167 | $207 |
| 40-Year-Old Male | $101 | $176 | $182 | $222 |
| 50-Year-Old Female | $95 | $156 | $164 | $205 |
| 50-Year-Old Male | $99 | $161 | $175 | $212 |
| 60-Year-Old Female | $58 | $104 | $129 | $166 |
| 60-Year-Old Male | $79 | $135 | $162 | $203 |
| 70-Year-Old Female | $54 | $93 | $104 | $156 |
| 70-Year-Old Male | $69 | $131 | $154 | $192 |
Explore the intricacies of auto insurance premiums in Wyoming with our comprehensive breakdown. Delve into how age, gender, and annual mileage impact monthly rates, from teenage drivers to seasoned veterans.
Whether you’re a 16-year-old embarking on your first policy or a seasoned 70-year-old driver, discover the nuanced pricing variations tailored to your demographic. Make informed decisions on when to opt for pay-as-you-go insurance, ensuring you secure the best coverage at the right time.
Wyoming Auto Insurance Monthly Rates by Age, Gender, & City
| Age & Gender | Casper | Cheyenne | Gillette | Laramie | Rock Springs |
|---|---|---|---|---|---|
| 16-Year-Old Female | $140 | $137 | $144 | $136 | $140 |
| 16-Year-Old Male | $157 | $154 | $162 | $153 | $157 |
| 20-Year-Old Female | $158 | $155 | $162 | $154 | $158 |
| 20-Year-Old Male | $178 | $175 | $184 | $174 | $178 |
| 30-Year-Old Female | $159 | $157 | $164 | $156 | $159 |
| 30-Year-Old Male | $178 | $175 | $183 | $174 | $178 |
| 40-Year-Old Female | $157 | $154 | $162 | $153 | $157 |
| 40-Year-Old Male | $171 | $167 | $176 | $166 | $171 |
| 50-Year-Old Female | $155 | $152 | $160 | $151 | $155 |
| 50-Year-Old Male | $162 | $159 | $167 | $158 | $162 |
| 60-Year-Old Female | $114 | $112 | $118 | $111 | $114 |
| 60-Year-Old Male | $145 | $143 | $150 | $142 | $145 |
| 70-Year-Old Female | $102 | $100 | $105 | $99 | $102 |
| 70-Year-Old Male | $137 | $134 | $141 | $134 | $137 |
If you live in an expensive city, make sure to compare quotes from Wyoming car insurance companies to get the cheapest rate. This comprehensive breakdown showcases the monthly premiums for auto insurance in various Wyoming cities, dissected by age and gender.
Whether you’re a 16-year-old looking to hit the road or a seasoned driver in your 70s, this data empowers you to make informed decisions about your insurance coverage based on your unique circumstances.
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Meeting Wyoming Auto Insurance Requirements
Wyoming drivers must fulfill Wyoming auto insurance requirements, as driving without insurance is illegal. Those caught without insurance face not only legal penalties but also potential financial repercussions.
Allstate stands out as the top choice for pay-as-you-go auto insurance in Wyoming, offering competitive rates and comprehensive coverage options.Daniel Walker Licensed Insurance Agent
For uninsured drivers in Wyoming, the repercussions of driving without insurance can extend beyond just legal consequences. In the event of an accident or traffic violation, the absence of insurance coverage leaves individuals vulnerable to significant financial liabilities, including potential expenses for medical bills, property damage, and legal fees.
Wyoming Auto Insurance Monthly Rates by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $102 | $452 |
| 16-Year-Old Male | $126 | $535 |
| 20-Year-Old Female | $42 | $238 |
| 20-Year-Old Male | $49 | $305 |
| 30-Year-Old Female | $26 | $112 |
| 30-Year-Old Male | $28 | $123 |
| 40-Year-Old Female | $22 | $128 |
| 40-Year-Old Male | $22 | $136 |
| 50-Year-Old Female | $21 | $122 |
| 50-Year-Old Male | $21 | $126 |
| 60-Year-Old Female | $21 | $90 |
| 60-Year-Old Male | $22 | $93 |
| 70-Year-Old Female | $23 | $130 |
| 70-Year-Old Male | $23 | $131 |
To mitigate these risks, Wyoming offers a recourse for those who find themselves without insurance coverage through the Wyoming Automobile Insurance Plan. This program serves as a safety net, providing high-risk insurance options for individuals who are unable to obtain coverage through traditional insurance channels.
Top Tips to Lower Wyoming Auto Insurance Rates
We recommend shopping around the companies listed below to get the best cheap car insurance in Wyoming. Auto insurance discounts are another great way to save on Wyoming car insurance.
Some discounts can save drivers up to 30% on their policies. Knowing the available discounts can help you save big on your premiums. Check out this handy table highlighting discounts offered by various insurance companies, from membership perks to safe driving rewards. Whether you’re with AAA, Allstate, Erie, Farmers, or any other provider, there are opportunities to trim your costs.
Summary: Finding the Best Pay-As-You-Go Auto Insurance Providers in Wyoming
Pay-as-you-go auto insurance is great for low-mileage drivers. Now that you know the best companies for pay-as-you-go auto insurance and how to get a low-mileage auto insurance discounts, the next step is to shop around for coverage that fits your needs.
Armed with knowledge about the best companies offering pay-as-you-go insurance and how to secure low-mileage discounts, your next crucial step is to compare quotes and policies from various providers. Take the time to explore your options and find the perfect pay-as-you-go auto insurance coverage for your driving habits.
Get auto insurance quotes for Wyoming insurance with our free quote tool, and start saving today.
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Frequently Asked Questions
What is the average cost of auto insurance per month in Wyoming?
Wyoming auto insurance rates average $22/mo for 40-year-old drivers. Average rates will vary based on age and driving record.
Is Wyoming a no-fault state?
Wyoming is an at-fault state, so it is often wise to carry more insurance than the Wyoming car insurance requirements.
Which Wyoming pay-as-you-go auto insurance company is best at paying claims?
One of the best pay-as-you-go auto insurance companies for claims is Allstate.
How much is full coverage auto insurance in Wyoming?
Wyoming car insurance rates for full coverage average $132/mo for 40-year-old drivers. Enter your ZIP code below to find cheap Wyoming quotes.
What is the minimum auto insurance coverage in Wyoming?
Wyoming auto insurance requirements require drivers to carry liability insurance in the amount of 25/50/20.
Do you need insurance to register a car in Wyoming?
Yes, you need insurance to register a vehicle, as driving without insurance is illegal. You can quickly get insurance from most Wyoming vehicle insurance companies.
Is it illegal to not have auto insurance in Wyoming?
Driving without insurance is illegal in Wyoming.
How much does it cost to register my car in Wyoming?
The basic fee to register a car is $30.
Does credit score affect auto insurance in Wyoming?
Yes, credit score is one of the factors that affect auto insurance rates in Wyoming.
How much is auto insurance in Cheyenne, Wyoming?
Wyoming auto insurance costs an average of $161/mo for full coverage for a $40-year-old driver. Rates will vary based on age and coverage.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
