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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

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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Data last refreshed in 2025
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Average cost of car insurance by coverage levels in Wyoming

Your car insurance premium is determined by the coverage limits you choose.

If you purchase only the state’s minimum liability limits, you’ll pay $24 per month or $286 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.

If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.

In Wyoming, drivers typically pay $165 per month or $1,984 annually for full coverage car insurance.

Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.

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 purchasing a policy for the first time or relocating to Wyoming, it’s important to understand the state’s liability coverage requirements.

Drivers in Wyoming must carry at least the following minimum coverage limits to stay compliant with the law:

  • 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 stands out as the most expensive car to insure in Wyoming, with an average annual cost of $7,373.

The table below shows the most expensive vehicles to insure in Wyoming along with their average annual insurance costs.

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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Car insurance rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.

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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