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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 annual cost
$1,984

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

Drivers in Wyoming generally pay an average of $165 per month or $1,984 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $24 or $286 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.

Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.

Cheapest car insurance companies in Wyoming

American National provides the lowest full coverage rates, for an average cost of $827 per year or $69 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.

Farmers also offers affordable insurance coverage to Wyoming drivers at an average cost of $1,623 a year or $135 per month.

Although these insurers offer some of the most affordable average rates in Wyoming, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage.

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 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

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

Age plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.

Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.

Let’s break down what you can expect to pay in Wyoming for full coverage, depending on your age and gender.

Average car insurance cost in Wyoming for young drivers

As a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.

In Wyoming, 20-year-old male drivers pay an average of $4,365 per year for car insurance, while their female counterparts pay $3,326 for the same coverage.

However, by age 25, average car insurance costs drop to about $2,354 per year 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

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

Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.

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

As a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $1,950 per year, and women pay $1,890.

By age 70, those averages increase to $2,005 for men and $1,940 for women. At 75, premiums rise again, reaching $2,415 for male drivers and $2,326 for female drivers.

Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.

Still, you can keep your premiums in check by driving safely 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 your first insurance policy or just moved to Wyoming, it’s important to understand the state’s car insurance requirements.

To stay on the right side of the law, drivers in Wyoming must carry at least the following minimum liability coverage:

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

Cheapest cars to insure in Wyoming

Insurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.

Honda CR-V has the lowest premium, at an average of $1,816 a year, closely followed by Honda HR-V, with an average annual car insurance cost of $1,833.

The table below shows the cheapest cars to insure and their average annual rates.

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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