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25 Years of insurance experience
57M Quotes reviewed
136 Insurance providers evaluated
34.5K ZIP codes analyzed

Understanding potential costs is essential when seeking auto insurance in Wyoming. On average, car insurance in Wyoming costs $1,758 annually or $146 monthly. This figure contrasts with the national average of $1,895, showcasing a variance of $137 from the state average.

You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location.

This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in Wyoming, and car insurance rates by age group.

It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget.

Key Takeaways

  • Based on Insure.com’s in-depth data analysis, car insurance in Wyoming costs $1,758 per year.
  • In Wyoming, the average premium for car insurance is $146 per month.
  • At $827 a year, American National has the cheapest car insurance rates in Wyoming.

Average car insurance cost in Wyoming per month

In Wyoming, car insurance costs around $146 per month on average.

It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Wyoming, it’s wise to obtain quotes from multiple firms.

Cheapest car insurance companies in Wyoming

According to Insure.com’s rate analysis, American National offers the most affordable car insurance premiums in Wyoming. The average annual cost is $827, or $69 per month. The second-best option available is State Farm, offering insurance at an average cost of $127 per month.

The table below lists the other available car insurance companies that offer car insurance in Wyoming, along with their average cost per month and average annual cost.

Affordable car insurance providers in Wyoming

Graph
Table
Company nameAverage per month costAverage annual cost
American National$69$827
State Farm$127$1,521
Farmers$135$1,623
Geico$209$2,514
Allstate$236$2,831
USAA$103$1,230

Read our guide to cheap car insurance companies

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Average cost of car insurance by coverage levels in Wyoming

Car insurance rates in Wyoming are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.

Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $331 per year in Wyoming.

As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in Wyoming amounts to $1,758 per year.

If you don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it protects property damage and bodily injury caused by another driver. In Wyoming, the average annual cost for non-owner state minimum liability coverage is $215.

For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $288 in Wyoming.

1State minimum:$288
2Liability only:$331
3Full coverage:$1,758
4Non-owners:$215

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Wyoming by city

Average car insurance cost in Wyoming by city

Your car insurance premium is determined by several factors, such as your state, city, and even ZIP code. The frequency of accidents and the probability of vehicle theft or vandalism play a role in determining the overall cost associated with a city or ZIP code.

The table below depicts the top popular cities in Wyoming:

CityAverage annual cost
Casper$1,724
Cheyenne$1,676
Evanston$1,750
Gillette$1,793
Green River$1,761
Jackson$1,825
Laramie$1,765
Riverton$1,762
Rock Springs$1,766
Sheridan$1,702

Average car insurance cost in Wyoming by age of the driver

Age plays a significant role in determining auto insurance rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In Wyoming, the average annual rate for young drivers is $2,817, whereas for seniors, it is $1,743. The rate for young drivers exceeds that of senior drivers by $1,074.

Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.

Average car insurance cost in Wyoming for young drivers

In Wyoming, the auto insurance premium for female young drivers averages at $2,467 annually, or $206 monthly, while male young drivers face a yearly rate of $3,167, or a monthly average of $264.

The average annual rates for young male and female drivers are listed in the table below:

Age of driver Average annual cost for Male drivers Average annual cost for Female drivers
20 $3,873 $2,930
21 $3,347 $2,538
22 $3,067 $2,418
23 $2,819 $2,257
24 $2,728 $2,193

Average car insurance cost in Wyoming for senior drivers

In Wyoming, the annual car insurance cost for senior female drivers is $1,700 or $142 monthly. Similarly, male senior drivers face a yearly insurance cost of $1,786 per year, with a monthly average of $149.

Age of driver Average annual cost for Male drivers Average annual cost for Female drivers
65 $1,723 $1,670
70 $1,774 $1,717
75 $1,871 $1,716

Read more about senior car insurance

Minimum car insurance requirements in Wyoming

Every state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Wyoming Department of Insurance, the required coverages and minimum coverage limits in Wyoming are as follows:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Personal property coverage per person: $20,000

Cheapest cars to insure in Wyoming

The Honda HR-V has the lowest average annual insurance premium, at $1,770, with the Hyundai Venue closely following at $1,833. Annually, the insurance cost difference between these two models amounts to $63.

MakeModelAverage annual premium
HondaHR-V$1,770
HyundaiVenue$1,833
KiaNiro$1,846
HondaCR-V$1,851
BuickEncore GX$1,859
ChevroletBolt EV$1,882
MazdaCX-30$1,890
SubaruCrosstrek$1,897
KiaSoul$1,903
ToyotaRAV4$1,913

Most expensive cars to insure in Wyoming

The most expensive car to insure on the list is the Maserati Quattroporte Trofeo, which has an average annual premium of $7,177. However, the difference between the cheapest and most expensive cars to insure is $5,407 annually.

MakeModelAverage annual premium
MaseratiQuattroporte Trofeo$7,177
MaseratiGhibli Trofeo$7,069
MaseratiQuattroporte$6,969
TeslaModel S Plaid$6,753
MaseratiLevante Trofeo$6,375
PorscheTaycan Turbo$6,355
TeslaModel X Plaid$6,326
TeslaModel 3 Performance$6,219
AudiR8 Performance$6,155
PorscheTaycan GTS$6,101

Methodology

The Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

57M

Quotes reviewed

136

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$1,676/Year
Alabama$1,860/Year
Arkansas$1,957/Year
Arizona$1,812/Year
California$2,416/Year
Colorado$2,337/Year
Connecticut$1,725/Year
Delaware$2,063/Year
Florida$2,694/Year
Georgia$1,970/Year
Hawaii$1,517/Year
Iowa$1,630/Year
Idaho$1,428/Year
Illinois$1,532/Year
Indiana$1,515/Year
Kansas$1,900/Year
Kentucky$2,228/Year
Louisiana$2,883/Year
Massachusetts$1,726/Year
Maryland$1,746/Year
Maine$1,175/Year
Michigan$2,352/Year
Minnesota$1,911/Year
Missouri$1,982/Year
Mississippi$2,008/Year
Montana$2,193/Year
North Carolina$1,741/Year
North Dakota$1,665/Year
Nebraska$1,902/Year
New Hampshire$1,265/Year
New Jersey$1,902/Year
New Mexico$2,049/Year
Nevada$2,060/Year
New York$1,870/Year
Ohio$1,417/Year
Oklahoma$2,138/Year
Oregon$1,678/Year
Pennsylvania$1,872/Year
Rhode Island$2,061/Year
South Carolina$2,009/Year
South Dakota$2,280/Year
Tennessee$1,677/Year
Texas$2,043/Year
Utah$1,825/Year
Virginia$1,469/Year
Vermont$1,319/Year
Washington$1,608/Year
Wisconsin$1,664/Year
West Virginia$2,005/Year
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Prachi Singh
Contributing Researcher

 
  

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.

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