Car Insurance After an Accident in Wyoming: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Wyoming increases insurance by 33%, raising full coverage from $1,542/year to $2,051/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$129/mo
After At-Fault Accident (+33%)
$171/mo
Cheapest Companies After Accident in Wyoming
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $126/mo | $1,518/yr | Military families |
| Erie Insurance | $135/mo | $1,620/yr | Rate lock guarantee |
| GEICO | $140/mo | $1,682/yr | Clean driving record |
| Progressive | $150/mo | $1,805/yr | Telematics savings |
| State Farm | $156/mo | $1,866/yr | Good students |
| Travelers | $162/mo | $1,948/yr | Multiple discounts |
| Nationwide | $178/mo | $2,133/yr | Bundling home + auto |
| Farmers | $185/mo | $2,215/yr | Signal telematics |
| Allstate | $191/mo | $2,297/yr | Accident forgiveness |
| Liberty Mutual | $202/mo | $2,420/yr | New car replacement |
USAACheapest
Monthly
$126/mo
Annual
$1,518/yr
Best for: Military families
Erie Insurance
Monthly
$135/mo
Annual
$1,620/yr
Best for: Rate lock guarantee
GEICO
Monthly
$140/mo
Annual
$1,682/yr
Best for: Clean driving record
Progressive
Monthly
$150/mo
Annual
$1,805/yr
Best for: Telematics savings
State Farm
Monthly
$156/mo
Annual
$1,866/yr
Best for: Good students
Travelers
Monthly
$162/mo
Annual
$1,948/yr
Best for: Multiple discounts
Nationwide
Monthly
$178/mo
Annual
$2,133/yr
Best for: Bundling home + auto
Farmers
Monthly
$185/mo
Annual
$2,215/yr
Best for: Signal telematics
Allstate
Monthly
$191/mo
Annual
$2,297/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$202/mo
Annual
$2,420/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses