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25 Years of insurance experience
78.5M Quotes reviewed
170 Insurance providers evaluated
34.5K ZIP codes analyzed

If you live in Wyoming, you can expect to pay an average of around $165 per month for full coverage car insurance, or $1,984 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $24 monthly or $286 annually.

Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate.

Average annual cost
$1,984 / Year

Average per month cost
$165

Average cost for state minimum coverage
$327 / Year

Cheapest car insurance company
American National

$827 / Year

Average cost for young drivers
$3,176 / Year

Average cost for Senior drivers
$2,088 / Year

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Average car insurance cost in Wyoming

If you’re a resident of Wyoming, full coverage car insurance typically costs about $165 per month, adding up to $1,984 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $24, or $286 annually.

The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.

Cheapest car insurance companies in Wyoming

American National has the cheapest rates, at an average annual cost of $827 or $69 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

Farmers also stands out for its affordable premiums, with an average cost of $135 per month or $1,623 annually.

While these insurance companies have some of the lowest average rates in Wyoming, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance.

Affordable car insurance providers in Wyoming

Graph
Table
Company nameAverage per month costAverage annual cost
American National$69$827
Farmers$135$1,623
State Farm$137$1,641
Allstate$263$3,159
GEICO$268$3,211
USAA*$120$1,441
*USAA is only available to military community members and their families.
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*USAA is only available to military community members and their families.
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Data last refreshed in 2025
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Average cost of car insurance by coverage levels in Wyoming

Your car insurance cost largely comes down to the coverage limits you pick.

If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $24 a month, or about $286 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.

For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.

On average, drivers in Wyoming pay around $165 per month, or roughly $1,984 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.

Coverage limitsAverage annual cost
State minimum liability-only$286
Liability only$327
Full coverage$1,984
Non-owner state minimum liability$215
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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.

Our agents make it hassle-free to get the right quote.

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Average car insurance cost in Wyoming by city

Where you live in Wyoming can have a big impact on your car insurance rates.

If you’re located in cities like Jackson, Gillette, or Laramie, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.

On the other hand, drivers in cities like Cheyenne and Sheridan tend to pay much lower insurance premiums, between $1,878 and $1,921 per year.

These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.

CityAverage annual cost
Cheyenne$1,878
Sheridan$1,921
Casper$1,931
Evanston$1,981
Green River$1,983
Rock Springs$1,988
Riverton$1,993
Laramie$1,994
Gillette$2,018
Jackson$2,056
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Average car insurance cost in Wyoming by age

Age is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.

Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.

Here’s a breakdown of what you might pay for full coverage in Wyoming, based on age and gender.

Average car insurance cost in Wyoming for young drivers

If you’re a younger driver, expect to pay higher premiums on your car insurance.

Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.

For instance, a 20-year-old male driver in Wyoming pays an average of $4,365 annually for car insurance, compared to $3,326 for a female driver of the same age.

By age 25, car insurance premiums typically decrease to $2,354 per year for male drivers and $2,127 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
20$4,365$3,326
21$3,771$2,867
22$3,453$2,738
23$3,160$2,546
24$3,066$2,471
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Average car insurance cost in Wyoming for adult drivers

An adult driver aged 25-60 in Wyoming pays $2,008 annually for full coverage, or around $167 each month. Women in the same age group pay $1,899 per year or $158 per month.

Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
25$2,354$2,127
30$2,084$1,964
35$2,058$1,942
40$2,042$1,925
45$2,000$1,880
50$1,868$1,807
55$1,831$1,776
60$1,827$1,769
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Average car insurance cost in Wyoming for senior drivers

Car insurance premiums tend to rise for older drivers. At age 65, men typically pay $1,950 annually, while women pay $1,890.

By 70, average rates go up to $2,005 for men and $1,940 for women. At age 75, costs increase further, reaching $2,415 for men and $2,326 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.

However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,950$1,890
70$2,005$1,940
75$2,415$2,326
65$1,950$1,890
70$2,005$1,940
75$2,415$2,326
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Minimum car insurance requirements in Wyoming

Whether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in Wyoming can help you avoid fines and make smarter choices about your coverage.

Drivers in Wyoming must carry at least the following minimum coverage limits to meet the state’s legal requirements:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability: $20,000

Cheapest cars to insure in Wyoming

Your car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.

Honda CR-V tops the list for cheapest car to insure in Wyoming at an average cost of $1,816 a year, followed closely by Honda HR-V at $1,833 per year.

The table below outlines the vehicles with the lowest insurance costs.

Make ModelAverage annual premium
Honda CR-V$1,816
Honda HR-V$1,833
Chrysler Voyager$1,974
Chevrolet Trax$1,996
Buick Encore GX$1,997
Toyota RAV4$2,009
Hyundai Kona$2,020
Kia Soul$2,028
Hyundai Venue$2,041
Subaru Forester$2,054
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Most expensive cars to insure in Wyoming

Maserati Quattroporte is one of the most expensive vehicles to insure in Wyoming, with an average annual cost of $7,373.

Below is a list of the costliest vehicles to insure in Wyoming and their average premiums.

Make ModelAverage annual premium
Maserati Quattroporte$7,373
Tesla Model X$7,240
Maserati Ghibli$6,885
Mercedes-AMG GT$6,718
Audi e-tron GT$6,653
Porsche Taycan Cross Turismo$6,351
Audi RS7$6,284
Porsche Taycan$6,281
BMW XM$6,051
Mercedes-AMG SL-Class$6,028
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Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.

Methodology

Insure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, including

  • Full coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.
  • State minimum limits
  • Liability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.

We also collected average car insurance rates for drivers of different age groups:

  • Teen drivers aged 16-19
  • Young drivers aged 20-24
  • Adult drivers aged 25-60
  • Senior drivers aged 65-75

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

78.5M

Quotes reviewed

170

No. of carriers analyzed

34.5K

ZIP codes analyzed

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Shivani Gite
Contributing Writer

 
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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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