Best Gillette, WY Auto Insurance in 2025 (Top 10 Companies Ranked)
The best Gillete, WY auto insurance provider is from State Farm, USAA, and Farmers, with rates from $16 monthly. State Farm leads for its network of expert agents locally. USAA stands out for its special perks and discounts for military personnel, and Farmers excels in offering a variety of coverage options.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Mar 7, 2025
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17,760 reviewsCompany Facts
Full Coverage in Gillette WY
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviews
6,435 reviewsCompany Facts
Full Coverage in Gillette WY
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
2,903 reviewsCompany Facts
Full Coverage in Gillette WY
A.M. Best Rating
Complaint Level
Pros & Cons
2,903 reviewsThe best Gillette, WY auto insurance is offered by State Farm, USAA, and Farmers with rates for as low as $16 a month. State Farm is the top pick for its wide area of local experts, ensuring customers get a personalized experience.
USAA excels with exclusive military discounts for veterans, active military personnel, and their families, while Farmers stands out for its flexible and broad car insurance coverage options.
Our Top 10 Company Picks: Gillette, WY Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Affordable Coverage | State Farm |
 | #2 | 10% | A++ | Military Families | USAA |
 | #3 | 20% | A | Coverage Options | Farmers |
 | #4 | 25% | A++ | Budget Savings | Geico |
 | #5 | 25% | A+ | New Vehicles | Allstate |
 | #6 | 25% | A | Unique Discounts | Liberty Mutual |
 | #7 | 13% | A++ | Hybrid Vehicles | Travelers |
 | #8 | 5% | A+ | Senior Benefits | The Hartford |
 | #9 | 20% | A+ | Bundled Policies | Nationwide |
 | #10 | 10% | A+ | Flexible Plans | Progressive |
This article explains how car insurance works and whether you’d like to pay in full or monthly for car insurance. If you’re ready to get the best car insurance in Wyoming, you can enter your ZIP code using our free quote tool.
#1 — State Farm: Top Overall Pick
Pros
- Affordable Coverage: This makes it a great choice for drivers seeking budget-friendly options without compromising coverage that results in offering a competitive quote for auto insurance
- High Reputation: A long history of providing reliable auto insurance in Gillette, WY ensures State Farm’s high reputation.
- Discounts for Safe Drivers: Lowering car insurance quotes due to safe driving habits.
- Wide Network of Agents: With numerous local agents, State Farm provides personalized assistance for auto insurance in Gillette, WY.
Cons
- Higher Premiums for Some Drivers: Drivers with less-than-perfect driving records may face higher premiums for auto insurance quotes in Gillette, WY.
- Limited Online Tools: State Farm’s online tools may not be as intuitive as some competitors’, making it harder to get auto insurance quotes quickly in Gillette, WY.
- Not Always the Cheapest: While competitive, some drivers may find cheaper options for car insurance quotes in Gillette, WY with other providers.
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#2 — USAA: Best For Military Families
Pros
- Top-Tier Customer Service: Providing the best Wyoming auto insurance experience for military families in Gillette, WY.
- Exclusive Military Discounts: Discounts for active-duty military personnel and veterans make USAA’s auto insurance quotes in Gillette, WY, highly competitive.
- A++ Financial Strength: USAA has an A++ rating from A.M. Best, which means it can provide reliable insurance coverage for drivers in Gillette, Wyoming.
Cons
- No Physical Locations: Without physical locations in Gillette, WY, USAA may not be ideal for drivers who prefer face-to-face interactions.
- Only Available to Military Families: USAA is only available to military families, which limits its accessibility for non-military drivers seeking auto insurance in Gillette, WY.
#3 — Farmers: Best For Coverage Options
Pros
- Numerous Discounts Available: Farmers offers several ways to save on auto insurance in Gillette, WY, such as discounts for multi-vehicle policies and safe drivers.
- Broad Coverage Options: With farmers and drivers in Gillette, WY can choose from various coverage options to fit their needs.
- A-Rated Financial Strength: Farmers has an A rating from A.M. Best, Making it a reliable option for car insurance in Gillette, WY.
Cons
- Expensive for High-Risk Drivers: Farmers’ auto insurance quotes in Gillette, WY, may be higher for high-risk drivers or those with previous claims.
- Limited Online Tools: Farmers’ online tools may not be as advanced as those of other providers, making it harder to get quick auto insurance quotes in Gillette, WY.
#4 — Geico: Best For Budget Savings
Pros
- Rates that are Budget-Friendly: Geico is an excellent choice for drivers who are looking for affordable car insurance quotes.
- Easy Online Process: Geico’s online system makes it easy to obtain quick car insurance quotes in Gillette, WY, with minimal hassle.
- Convenient Mobile App: Geico’s mobile app is convenient for managing auto insurance policies and submitting claims.
Cons
- Limited Local Agents: Geico’s reliance on online services can disadvantage Gillette, WY drivers seeking in-person assistance with auto insurance quotes.
- Higher Rates for High-Risk Drivers: Geico’s auto insurance quotes in Gillette, WY, may not be the most affordable option for drivers with a poor driving history.
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#5 — Allstate: Best New Vehicles
Pros
- Strong Financial Backing: Providing reliable car insurance quotes in Gillette, WY with financial stability, Allstate has an A+ rating for auto insurance review.
- Comprehensive Coverage Options: Allstate offers a wide range of coverage options for drivers seeking the best Gillette, WY auto insurance.
- Great New Vehicle Coverage: Provides options for new car owners and ensures profound auto insurance in Gillette, WY.
Cons
- Limited Coverage for Older Vehicles: Allstate’s coverage for older vehicles may not be as extensive as that of some competitors’, leaving motorists with inadequate coverage for Gillette, Wyoming, auto insurance
- Higher Rates for High-Risk Drivers: Geico’s auto insurance quotes in Gillette, WY, may not be the most affordable option for drivers with a poor driving history.
#6 — Liberty Mutual: Best Unique Discounts
Pros
- Unique Discount Programs: These include safe driving and new car unique discounts, which help lower car insurance quotes in Gillette, WY.
- Comprehensive Coverage: Making it easy for drivers in Gillette, WY to find the best auto insurance for their needs.
- 25% Bundling Discount: Liberty Mutual’s bundling discount allows you to save significantly on car insurance quotes in Gillette, WY, by combining auto with other policies.
Cons
- Younger Driver Higher Rates: Liberty Mutual’s car insurance quotes in Gillette, WY, may be higher for younger drivers or less experienced drivers.
- Limited Agents Locally: For Gillette and WY drivers who prefer in-person support, Liberty Mutual is more challenging because it has fewer local agents than other insurers.
#7 — Travelers: Best Hybrid Vehicles
Pros
- Hybrid Vehicle Coverage: Travelers offers specialty coverage for hybrid cars, making it a wonderful choice for eco-friendly drivers who are looking for automobile insurance.
- A++ Financial Rating: Travelers provides financial stability for car insurance in Gillette, WY, with an A++ rating from A.M. Best.
- 13% Bundling Discount: Travelers offers a bundling discount for multi-policy holders, helping drivers save on their auto insurance quotes in Gillette, WY.
Cons
- Limited Local Agents: Travelers has fewer local agents than other companies, which may be inconvenient for those seeking face-to-face service for auto insurance in Gillette, Wyoming.
- Not the Cheapest for High-Risk Drivers: Travelers’ rates for high-risk drivers may be higher than other providers offering car insurance quotes in Gillette, WY.
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#8 — The Hartford: Best Senior Benefits
Pros
- Senior Driver Benefits: Making it a top choice for older adults seeking auto insurance in Gillette, WY. A top choice Is Hartford, which offers specialized benefits.
- A+ Financial Strength: The Hartford, with an A+ rating from A.M. Best, provides financially reliable auto insurance in Gillette, WY.
- 5% Bundling Discount: The Hartford offers savings on car insurance quotes in Gillette, WY, when you bundle your auto insurance with other policies.
Cons
- Limited Discounts for Younger Drivers: The Hartford may not offer as many discounts for younger drivers, which can lead to higher car insurance quotes in Gillette, WY.
- Fewer Coverage Options for High-Risk Drivers: High-risk drivers may find fewer options available for auto insurance in Gillette, WY with The Hartford.
#9 — Nationwide: Best Bundled Policies
Pros
- High Financial Rating: To high financial rating ensures auto insurance customers the financial safety of availing Nationwide.
- Wide Variety of Coverage Options: Makes it easy to customize car insurance quotes to meet the needs of customers offering a broad coverage.
- Flexible Options for Payment: Nationwide offers flexible payment plans for auto insurance to make premiums easier to manage.
Cons
- Higher Rates for Some Drivers: Nationwide’s auto insurance quotes in Gillette, WY may be higher for high-risk drivers compared to other providers.
- Limited Availability in Some Areas: While Nationwide is widely available, it may not offer as much localized support in all areas of Gillette, WY.
#10 — Progressive: Best Flexible Plans
Pros
- Flexible Coverage Options: Progressive offers a wide range of coverage options, allowing drivers to find the best fit for their needs when looking for auto insurance quotes in Gillette, WY
- 10% Bundling Discount: Provides 10% bundling discount for auto insurance with other polices.
- A+ Financial Strength: Progressive has an A+ rating from A.M. Best. Making it a financially stable option for auto insurance in Gillette, WY.
Cons
- Higher Premiums for High-Risk Drivers: Progressive may offer higher rates for high-risk drivers, which could make car insurance quotes in Gillette, WY more expensive.
- Limited Discounts for Older Drivers: Older drivers may not find as many discount options with Progressive, which could make auto insurance in Gillette, WY more expensive for them.
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Gillette, WY Car Insurance Rates & Discounts by Top Providers & Coverage Level
If you plan to get car insurance in Gillette, WY, you should evaluate what is covered and what is not covered by your insurance policy. Aside from that, it’s better to contact car insurance agents or brokers in your local area to gauge how much you will pay monthly for car insurance.
Gillette, WY Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $59 | $177 |
| $39 | $138 |
| $18 | $80 |
| $50 | $160 |
| $45 | $130 |
| $28 | $110 |
| $22 | $100 |
| $60 | $165 |
| $55 | $150 |
| $16 | $79 |
Depending on your chosen coverage type, there is a respective equivalent policy coverage; that’s why we suggest getting a more comprehensive plan for your future needs and avoiding financial burdens.
Auto Insurance Discounts From the Top Providers in Gillette, WY
| Insurance Company | Available Discounts |
|---|---|
| Drivewise Telematics, Early Signing, Pay-in-Full, Paperless Billing, Responsible Payer, Good Student, Loyalty. |
| Good Student, Homeowner, Loyalty, Pay-in-Full, Multi-Policy, Driver Education, Responsible Payer. |
| Safe Driver (up to 22%), Anti-Theft, Seatbelt Use, Good Student, Multi-Car, Driver Education, Low-Mileage. |
| Accident-Free, Good Student, Homeowner, Safety Equipment, Paperless Billing, Multi-Policy. |
| SmartRide Telematics, Accident-Free, Multi-Policy, Good Student, Anti-Theft, Pay-in-Full, Loyalty. |
| Snapshot Telematics, Multi-Car, Good Student, Homeowner, Continuous Insurance, Online Quote. |
| Good Student (up to 25%), Student Away at School, Safe Driver, Defensive Driving Course, Multi-Car, Anti-Theft. |
| AARP Member Benefits, Accident-Free, Bundle, Safe Vehicle, New Car Replacement. |
| Good Student, Multi-Policy, Hybrid/Electric Vehicle, Early Quote, Continuous Insurance, Student Away at School. |
| Safe Driver, Good Student, Loyalty, Military-Specific Discounts, Driver Training. |
You can also take advantage of discounts offered by cheap Wyoming car insurance companies in order to get the best policy with affordable rates.
Auto Insurance Coverage Requirements in Wyoming
In order to drive legally in Gillette, WY, residents should always carry liability insurance, even if it’s the minimum. Having minimum liability insurance is not bad, as long as you carry it at all times in case of an unexpected event. With that said, the state of Wyoming requires at least 20/50/20 liability coverage.
Auto Insurance Minimum Coverage Requirements in Wyoming
| Coverage | Limit |
|---|---|
| Bodily Injury | $25,000 per person / $50,000 per accident |
| Property Damage | $20,000 per accident |
Bear in mind these mandatory state minimums hardly ever provide sufficient coverage with regard to your average driver. This is because most motorists are driving relatively newer automobiles, continue to make loan repayments, or might even be leasing their vehicles. As well as in the majority of individual cases, you will have to purchase an extensive policy to safeguard your vehicle properly.
For Wyoming drivers looking for stability and service, State Farm’s extensive agent network ensures personalized assistance that online-only insurers often lack.
Chris Abrams Licensed Insurance Agent
There are lots of unfortunate motorists riding around in Gillette at this time, with repayments up to $128 monthly, the reported average for Wyoming auto insurance. However, you will find deals happening in your area that allow you to obtain good coverage for as little as $16/mo*, so we can help you should you need assistance comparing rates today.
Gillette, WY Auto Insurance Monthly Rates by Provider
| Insurance Company | Monthly Rate |
|---|---|
| $72 |
| $112 |
| $79 |
| $68 |
| $44 |
| $96 |
| $17 |
| $43 |
| $86 |
| $22 |
Those that offer auto insurance policies evaluate many elements while determining insurance quotes, like driving experience, zip code, occupation, driving distance to work, and business use of the vehicle. Furthermore, premiums may alter from carrier to carrier. To ensure that you still pay the most affordable fee, look at cheap auto insurance in Wyoming prices online.
Major Car Insurance Factors in Gillette
You may feel slightly helpless as soon as your automobile insurance agency estimates your insurance quote; let’s be honest, almost all of the factors these people calculate aren’t issues you can modify or control. Fortunately, however, there are various items that you are in a position to adjust for increased discounts, including location, vehicle accidents, thefts, and so on.
Why is the price of my car so high?
by u/Ry_Dawg41 in r/personalfinance
Learning these factors can help you get the cheapest car insurance in Wyoming for affordable auto insurance costs that fit your needs and budget.
Your Zip Code
Auto insurance providers must know your location or where you usually drive a vehicle to determine the crash probability.
Gillette, WY Auto Insurance Monthly Rates by ZIP Code
| ZIP | Rates |
|---|---|
| 82716 | $202 |
| 82717 | $210 |
| 82718 | $196 |
The whole thing boils down to a very simple notion: the greater the populace, the more vehicles you’ll encounter on the streets, and the more chances you may have to crash with or perhaps be collided into by yet another motor vehicle.
Automotive Accidents
Given Gillette’s small population, the number of serious accidents probably makes local insurance companies very nervous. When insurance companies get nervous, they tend to raise rates.
Fatal Accidents in Gillette, WY
| Category | Count |
|---|---|
| Fatal Crash Individuals | 1 |
| Fatal Crash Vehicles | 2 |
| Fatalities | 1 |
| Fatal Accidents | 1 |
| Fatal Accident Pedestrians | 1 |
| DUI Fatal Crashes | 1 |
But if you are a relatively safe driver, you might be able to qualify for a safe driver discount, despite living in a town with many accidents. Talk to your agent for more details.
Auto Thefts in Gillette
Obtaining inexpensive auto insurance can be difficult if you are vulnerable to auto theft. Some popular automobile models tend to be appealing to thieves, and motor vehicles are typically left in huge cities.
But even if you don’t need it for theft, you might still want to consider adding it to the other benefits
Your Credit Score
If you are a person with a bad credit score in Gillette, most providers will at minimum double the price of your monthly premium in comparison with other motorists. Some companies might even think about tripling or quadrupling it.
Your Age
If you are looking for cheap car insurance in Wyoming for students or perhaps a teenage driver, you’re going to experience a difficult process.
Gillette, WY Auto Insurance Monthly Rates by Vehicle & Coverage Level
| Make & Model | Minimum Coverage | Full Coverage |
|---|---|---|
| BMW 3 Series | $150 | $350 |
| Chevrolet Malibu | $120 | $280 |
| Ford F-150 | $130 | $320 |
| Honda Civic | $110 | $250 |
| Hyundai Elantra | $100 | $230 |
| Mazda CX-5 | $120 | $270 |
| Nissan Altima | $115 | $260 |
| Ram 1500 | $140 | $330 |
| Tesla Model 3 | $180 | $420 |
| Toyota Camry | $105 | $240 |
Yes, Good Student and Driver’s Ed discount rates can help, but in the end, they’ll still need to pay a lot more costly rates than grown ups or seniors
Your Driving Record
Serious driving violations can send your premiums over the top, or you might even get the coverage dropped completely. As well as the lesser breach(s) in your record, you might like to inquire about any sort of accident forgiveness discount.
This lowers your rate by ensuring a minimum of one minor violation isn’t calculated in the total cost of the premium.
Your Vehicle
With vehicle insurance, you’re basically wasting money and exposing yourself to economic difficulty should you not purchase enough coverage for the vehicle. For older, cheaper automobiles, sometimes the state minimums are sufficient.
Gillette, WY Auto Insurance Monthly Rates by Vehicle & Coverage Level
| Make & Model | Minimum Coverage | Full Coverage |
|---|---|---|
| BMW 3 Series | $150 | $350 |
| Chevrolet Malibu | $120 | $280 |
| Ford F-150 | $130 | $320 |
| Honda Civic | $110 | $250 |
| Hyundai Elantra | $100 | $230 |
| Mazda CX-5 | $120 | $270 |
| Nissan Altima | $115 | $260 |
| Ram 1500 | $140 | $330 |
| Tesla Model 3 | $180 | $420 |
| Toyota Camry | $105 | $240 |
However, for an extravagant vehicle, you’re likely to wish to purchase multiple kinds of coverage, as well as in high amounts, just in case the worst happens.
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Minor Car Insurance Factors in Gillette
Other than the major factors like age, gender, and location, you might also consider the following factors for the cheapest car insurance in Wyoming: marital status, gender, driving mileage, deductibles, and education.
These elements, although minorly can also affect how insurers calculate your policies and monthly rates, so you should also look out for that, in order to get the best Gillette, WY auto insurance.
Your Marital Status
Have you and your partner begun bundling your different insurance policies together? Well, you need to! It’s a terrific way to lower your household bills. Men and women can bundle too, especially if they have renter’s or motorcycle insurance with a similar company.
Your Gender
In reality, no factor in how men and women drive makes one more dangerous than the other. Due to this, many companies no longer have any idea how to charge different rates according to gender. Some still do, but the overcharged gender differs from one company to another.
Your Driving Distance to Work
Because Gillette is such a small town, getting around is quick and easy. Most commutes won’t take longer than 10 or 15 minutes, and some motorists may find that their drive to work might last only 5 minutes. Around 77% of residents depend on driving their own vehicle alone to and from work each day, while almost 15% carpool.
Are you aware that slashing your annual mileage by 5,000 miles every year is only going to enable you to get a 4-6% discount off your premium? This means you’ll have to stop driving as much and cut at least 14 miles daily from your travel. Many people are only on the road if they absolutely have to be, so 14 miles each day is a big sacrifice for this type of small discount.
Your Coverage and Deductibles
Raising your deductible is a terrific way to decrease your monthly premium. But ensure you safeguard yourself financially by putting aside a minimum of the price of that deductible right into a checking account and make sure not to use it unless paying for an emergency claim. In the end, how devastating would it be if your vehicle is stuck in the shop, and also you didn’t have the cash to file for claims and get it repaired?
Education in Gillette, WY
Over 35% of Gillette residents have earned a high school diploma, which is slightly above the state average. An additional 19% have at least one year of college experience. And when these students graduate, do you know what else they will have? Lower auto insurance rates! This is because providers like giving discounts to drivers with a higher education.
State Farm stands out in Wyoming for its combination of affordability, strong local agent support, and reliable coverage, making it the go-to choice for most drivers.
Jimmy Mcmillan Licensed Insurance Agent
Located in the heart of Gillette is the appropriately named Gillette College. It is a two-year school also part of the Northern Wyoming Community College system. Students can earn an associate’s degree or a certificate in a number of fields, including the arts and applied sciences.
Auto insurance is likely one of the most critical purchases you are able to make as a buyer. You should ensure you obtain a genuine, dependable provider who will follow through on their offers. Various auto insurance providers are usually better at this than others, and doing a thorough internet-based investigation can assist you in dividing the favorable from the poor.
Cheap Car Insurance in Gillette, Wyoming: Tips For Affordable Coverage
Shopping for auto insurance shouldn’t be confusing when you use this guide as your reference. By reading this article, you should know how to secure the cheapest Wyoming car insurance. If you’re still confused, you can always ask around and contact a local agent or broker in your area to help you get affordable car insurance near you.
State Farm, USAA, and Farmers are Gillette, WY’s top auto insurance companies, so we suggest you start with them. Also, getting an insurance quote online won’t affect your credit score, so don’t hesitate to reach out to them online because they offer very affordable coverage costs, and their local expert agents can help you gauge car insurers and choose which best auto insurance company to get your car insurance.
How We Conducted Our Gillette, WY Car Insurance Analysis
We calculated the best Gillette, WY auto insurance average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Are you in need of cheap auto insurance in Gillette, WY? With AutoInsuranceEZ.com, you will discover your city’s most affordable insurance policy. To get free car insurance estimates from the major providers right now, key your zip code within the quote box here.
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Frequently Asked Questions
Is car insurance cheaper in Wyoming?
Yes, Wyoming has lower-than-average rates. Get the best Gillette, WY auto insurance from $39/month.
Is uninsured motorist coverage required in Wyoming?
Wyoming does not require uninsured motorist coverage, but it’s recommended.
What insurance do I need for my car?
Wyoming requires liability coverage of at least $25K per person, $50K per accident, and $20K for property damage.
What is the most common type of car insurance?
Liability insurance is the most common and required coverage.
What is the best type of car insurance?
Full coverage (liability, collision, and comprehensive) offers the most protection.
How much is car insurance in Wyoming?
Rates start at $39/month for best Gillette, WY auto insurance, varying by provider and driver profile.
What is the minimum car insurance in Wyoming?
25/50/20 liability coverage is the state minimum.
What does 22 mean on a Wyoming license plate?
It represents Teton County, as Wyoming assigns plate numbers by county.
Can a non-resident register a vehicle in Wyoming?
Generally, no. Wyoming requires proof of residency for vehicle registration.
Which auto insurance company has the best claims service?
State Farm is a top pick for the best Gillette, WY auto insurance, offering strong claims service.
