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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

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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*USAA is only available to military community members and their families.
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Data last refreshed in 2026
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Average cost of car insurance by coverage levels in Wyoming

The cost of your car insurance also depends on the coverage levels you choose.

If you opt for just the minimum coverage required by your state, you’ll pay $24 per month, or $286 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.

For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.

In Wyoming, the average cost for full coverage is $165 per month, or $1,984 per year

While it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.

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

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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