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If you want to secure auto insurance coverage in Wyoming, know the associated costs. On average, premiums for car insurance in Wyoming cost $1,758 per year or $146 monthly. While the national average is $1,682, highlighting a difference of $137.

Various factors influence car insurance rates, including age, gender, driving history, credit score, and location.

This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Wyoming, and breaks down car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget.

Summary of average car insurance cost in Wyoming

Average annual cost
$1,758

Average per month cost
$146

Average cost for state minimum coverage
$288 / Year

Cheapest car insurance company
American National
($827 / Year)

Average cost for young drivers
$2,817 / Year

Average cost for Senior drivers
$1,743 / Year

Key Takeaways

  • Based on Insure.com’s analysis, car insurance in Wyoming costs $1,758 per year.
  • Car insurance in Wyoming costs $146 per month.
  • American National has the cheapest car insurance rates in Wyoming, at an average annual rate of $827 a year.

Average car insurance cost in Wyoming per month

In Wyoming, the average monthly rate for car insurance is $146.

This cost can vary among insurers, which is true of every auto insurance company. When exploring car insurance options in Wyoming, it’s advisable to obtain quotes from multiple companies.

Cheapest car insurance companies in Wyoming

According to Insure.com’s rate analysis, American National offers the most affordable car insurance premiums in Wyoming. The average annual cost is $827, or $69 per month. The second-best option available is State Farm, offering insurance at an average cost of $127 per month.

The table below lists the other available car insurance companies that offer car insurance in Wyoming, along with their average cost per month and average annual cost.

Company nameAverage per month costAverage annual cost
American National$69$827
State Farm$127$1,521
Farmers$135$1,623
Geico$209$2,514
Allstate$236$2,831
USAA$103$1,230

Read our guide to cheap car insurance companies

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP.

Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Average cost of car insurance by coverage levels in Wyoming

The extent of coverage you opt for directly influences the cost of car insurance in Wyoming. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.

Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Wyoming would be $331.

As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Wyoming amounts to $1,758.

For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Wyoming, the average annual cost for non-owner state minimum liability coverage stands at $215.

For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $288 annually in Wyoming.

Coverage limitsAverage annual cost
State Minimum BI/PD$288
Liability Only – 50/100/50 BI/PD$331
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,758
Non-Owners$215

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.

Car insurance rates in Wyoming by city

Average car insurance cost in Wyoming by city

Your car insurance premium is determined by several factors, such as your state, city, and even ZIP code. The frequency of accidents and the probability of vehicle theft or vandalism play a role in determining the overall cost associated with a city or ZIP code.

The table below depicts the top popular cities in Wyoming:

CityAverage annual cost
Casper$1,724
Cheyenne$1,676
Evanston$1,750
Gillette$1,793
Green River$1,761
Jackson$1,825
Laramie$1,765
Riverton$1,762
Rock Springs$1,766
Sheridan$1,702

Average car insurance cost in Wyoming by age of the driver

Age plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Wyoming is $2,817, whereas for seniors, it’s $1,743. The rate for young drivers surpasses that of senior drivers by $1,074.

Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.

Average car insurance cost in Wyoming for young drivers

For female young drivers in Wyoming, the average annual car insurance cost is $2,467, and $206 per month. Conversely, male young drivers face an average annual rate of $3,167, and $264 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
20$3,873$2,930
21$3,347$2,538
22$3,067$2,418
23$2,819$2,257
24$2,728$2,193

Average car insurance cost in Wyoming for senior drivers

For senior female drivers in Wyoming, the annual cost of car insurance is $1,700, or $142 per month. Similarly, male senior drivers face an annual insurance rate of $1,786, or $149 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,723$1,670
70$1,774$1,717
75$1,871$1,716

Read more about senior car insurance

Minimum car insurance requirements in Wyoming

Every state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Wyoming Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Wyoming:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Personal property coverage per person: $20,000

Cheapest cars to insure in Wyoming

The Honda HR-V has the lowest average annual insurance premium, at $1,770, with the Hyundai Venue closely following at $1,833. Annually, the insurance cost difference between these two models amounts to $63.

MakeModelAverage annual premium
HondaHR-V$1,770
HyundaiVenue$1,833
KiaNiro$1,846
HondaCR-V$1,851
BuickEncore GX$1,859
ChevroletBolt EV$1,882
MazdaCX-30$1,890
SubaruCrosstrek$1,897
KiaSoul$1,903
ToyotaRAV4$1,913

Most expensive cars to insure in Wyoming

Topping the list as the most expensive car to insure is the Maserati Quattroporte Trofeo, at an average annual premium of $7,177. Notably, the annual difference between the least and most expensive cars to insure amounts to $5,407.

MakeModelAverage annual premium
MaseratiQuattroporte Trofeo$7,177
MaseratiGhibli Trofeo$7,069
MaseratiQuattroporte$6,969
TeslaModel S Plaid$6,753
MaseratiLevante Trofeo$6,375
PorscheTaycan Turbo$6,355
TeslaModel X Plaid$6,326
TeslaModel 3 Performance$6,219
AudiR8 Performance$6,155
PorscheTaycan GTS$6,101

Methodology

The Insure.com team worked with Quadrant Information Service to obtain car insurance data. To determine the average premiums, our team of data analysts and expert editors analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

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

How much is car insurance in other states

Alaska$1,676/Year
Alabama$1,860/Year
Arkansas$1,957/Year
Arizona$1,812/Year
California$2,416/Year
Colorado$2,337/Year
Connecticut$1,725/Year
Delaware$2,063/Year
Florida$2,694/Year
Georgia$1,970/Year
Hawaii$1,517/Year
Iowa$1,630/Year
Idaho$1,428/Year
Illinois$1,532/Year
Indiana$1,515/Year
Kansas$1,900/Year
Kentucky$2,228/Year
Louisiana$2,883/Year
Massachusetts$1,726/Year
Maryland$1,746/Year
Maine$1,175/Year
Michigan$2,352/Year
Minnesota$1,911/Year
Missouri$1,982/Year
Mississippi$2,008/Year
Montana$2,193/Year
North Carolina$1,741/Year
North Dakota$1,665/Year
Nebraska$1,902/Year
New Hampshire$1,265/Year
New Jersey$1,902/Year
New Mexico$2,049/Year
Nevada$2,060/Year
New York$1,870/Year
Ohio$1,417/Year
Oklahoma$2,138/Year
Oregon$1,678/Year
Pennsylvania$1,872/Year
Rhode Island$2,061/Year
South Carolina$2,009/Year
South Dakota$2,280/Year
Tennessee$1,677/Year
Texas$2,043/Year
Utah$1,825/Year
Virginia$1,469/Year
Vermont$1,319/Year
Washington$1,608/Year
Wisconsin$1,664/Year
West Virginia$2,005/Year
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Prachi Singh
Contributing Researcher

 
  

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.

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