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

If you’re in Wyoming, your monthly cost for full coverage car insurance is $165, which adds up to $1,984 per year. For minimum coverage, expect to pay an average of $24 monthly, or $286 a year.

Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle.

If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.

Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates.

Average car insurance cost in Wyoming

If you live in Wyoming can expect to pay an average of $165 per month for full coverage car insurance – that’s $1,984 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $24 monthly or $286 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.

However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.

Cheapest car insurance companies in Wyoming

If you’re looking for affordable insurance, American National tops the list of the cheapest car insurance companies. Its average annual cost is $827 per year or $69 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

Farmers also provides affordable insurance rates in Wyoming for a full coverage policy at an average annual insurance cost of $1,623 or $135 monthly.

While these companies offer some of the lowest average premiums in Wyoming, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs.

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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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

Car insurance rates can vary widely depending on where you live, even within Wyoming.

Cities like Jackson, Gillette, or Laramie tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.

On the other hand, car insurance is generally more affordable in cities like Cheyenne or Sheridan, with average annual premiums between $1,878 and $1,921.

This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.

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

Insurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.

Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.

Let’s take a closer look at how much you might pay in Wyoming for a full coverage policy based on your age and gender.

Average car insurance cost in Wyoming for young drivers

If you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.

For instance, 20-year-old male drivers in Wyoming pay an average of $4,365 per year for car insurance, while females of the same age pay $3,326.

But by the time you turn 25, insurance premiums drop to $2,354 a year on average for male drivers and $2,127 for female drivers.

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

On average, an adult male driver in Wyoming pays $2,008 a year for full coverage or $167 per month. Women pay $1,899 a year or $158 per month for the same coverage.

However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.

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

If you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $1,950 per year, while women pay $1,890. But by age 70, average premiums rise to $2,005 for men and $1,940 annually for women. At 75, rates increase even further – $2,415 for male drivers and $2,326 for female drivers.

Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining 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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