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If you drive in Wyoming, you know how essential car insurance is – but finding the right coverage at a price you can afford isn’t always simple. That’s why we created the Wyoming car insurance calculator.

It uses your vehicle’s make and model to estimate your average annual and monthly premiums in Wyoming, giving you the insight you need to confidently choose coverage.

How to use our car insurance calculator to estimate your rates in Wyoming

Our calculator makes it easy to get a quick, personalized car insurance estimate. Just follow these simple steps to see your potential rates – and compare options – without the guesswork.

  • Step 1: Choose the model year of your car.
  • Step 2: Choose the make and model of your car.
  • Step 3: Choose your state.
  • Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
  • Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.
Data last refreshed in 2025
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Does your vehicle model affect car insurance rates in Wyoming?

Your car’s make and model play a big role in determining insurance rates. Insurers account for multiple factors – including your vehicle’s make and model – to calculate premiums.

For example, insuring a Honda Accord LX around $2,390 per year for a full coverage policy. On the other hand, coverage for a Honda CR-V costs $1,816, a difference of $574.

Does your car’s model year affect insurance rates in Wyoming?

In Wyoming, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $2,725 per year, while the 2024 model costs $2,298 annually to insure.

Quick tip: Review your state’s minimum insurance requirements before choosing a policy

Each state sets its own minimum car insurance requirements, and Wyoming is no different. To drive legally, you’ll need at least the minimum liability coverage, which generally includes:

  • Bodily injury liability per person and per accident
  • Property damage liability

These limits offer the minimum coverage, but many drivers choose higher coverage to protect themselves after an accident.

Driving without the required coverage in Wyoming can lead to fines, license suspension and even vehicle impoundment.

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

Our agents make it hassle-free to get the right quote.

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How your car’s trim affects insurance rates in Wyoming

In Wyoming, insurance premiums vary depending on your vehicle’s trim. Higher trims with upgraded technology or more powerful engines are often more expensive to insure because of their costly replacement and repair costs.

For instance, full coverage car insurance for a 2023 Honda Accord LX in Wyoming costs $2,725 per year. On the other hand, the Honda Accord EX-L trim costs $2,221 annually to insure – a difference of $504.

Luxury features such as premium audio systems can increase a vehicle’s value, leading to higher premiums. Similarly, performance trims with larger engines may raise insurance premiums due to the higher risk of accidents or speeding.

Car insurance estimate in Wyoming

Drivers in Wyoming pay an average of $1,984 per year or $165 per month for full-coverage car insurance. Your exact premium could differ based on the level of coverage you choose. The table below shows estimated rates for various coverage limits in Wyoming. However, your actual rate may vary depending on your driving history, vehicle type and other personal factors.

Coverage levelAverage annual rateAverage monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,984$165
Liability Only – 50/100/50 BI/PD$327$27
State Minimum BI/PD$286$24
Non-Owners$215$18
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How much is car insurance in Wyoming by city

Your location plays a significant role in determining car insurance rates in Wyoming. Factors such as traffic congestion, accident frequency, weather conditions, and crime rates influence premiums. For instance, drivers in Jackson pay $2,056 per year for coverage, while those in Cheyenne pay $1,878 annually for the same coverage.

Top 20 cities with cheapest car insurance rates in Wyoming

CityAvg. Annual PremiumAvg. Monthly Premium
Cheyenne$1,878$157
Big Horn$1,921$160
Ranchester$1,921$160
Sheridan$1,921$160
Wyarno$1,921$160
Granite Canon$1,923$160
Mills$1,923$160
Albin$1,925$160
Burns$1,925$160
Carpenter$1,925$160
Fe Warren AFB$1,925$160
Hillsdale$1,925$160
Horse Creek$1,925$160
Meriden$1,925$160
Pine Bluffs$1,925$160
Banner$1,928$161
Story$1,928$161
Dayton$1,930$161
Parkman$1,930$161
Casper$1,931$161
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Top 20 cities with most expensive car insurance in rates Wyoming

CityAvg. Annual PremiumAvg. Monthly Premium
Jackson$2,056$171
Moose Wilson Road$2,056$171
Teton Village$2,056$171
Alta$2,053$171
Moose$2,053$171
Kelly$2,049$171
Moran$2,047$171
Aladdin$2,043$170
Alva$2,043$170
Beulah$2,043$170
Devils Tower$2,043$170
Four Corners$2,043$170
Hulett$2,043$170
Lance Creek$2,043$170
Moorcroft$2,043$170
Newcastle$2,043$170
Osage$2,043$170
Sundance$2,043$170
Upton$2,043$170
Recluse$2,037$170
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Want to know what you’ll pay? Try our Wyoming car insurance calculator

Our Wyoming car insurance calculator estimates your rate based on your location, vehicle make, and model year. Just enter a few details for a personalized estimate, then compare quotes from multiple insurers to find the best fit.

How much is car insurance in other states

Alaska$2,215/Year
Alabama$2,107/Year
Arkansas$2,723/Year
Arizona$2,333/Year
California$3,010/Year
Colorado$3,222/Year
Connecticut$2,726/Year
Washington, D.C.$3,394/Year
Delaware$3,097/Year
Florida$3,852/Year
Georgia$2,739/Year
Hawaii$1,721/Year
Iowa$2,228/Year
Idaho$1,791/Year
Illinois$1,901/Year
Indiana$1,856/Year
Kansas$2,410/Year
Kentucky$2,976/Year
Louisiana$4,180/Year
Massachusetts$2,430/Year
Maryland$2,273/Year
Maine$1,701/Year
Michigan$3,146/Year
Minnesota$2,561/Year
Missouri$2,410/Year
Mississippi$2,455/Year
Montana$2,541/Year
North Carolina$2,587/Year
North Dakota$2,079/Year
Nebraska$2,387/Year
New Hampshire$1,650/Year
New Jersey$2,736/Year
New Mexico$2,486/Year
Nevada$3,284/Year
New York$2,898/Year
Ohio$1,739/Year
Oklahoma$2,705/Year
Oregon$1,927/Year
Pennsylvania$2,428/Year
Rhode Island$2,706/Year
South Carolina$2,367/Year
South Dakota$2,635/Year
Tennessee$2,214/Year
Texas$2,631/Year
Utah$2,250/Year
Virginia$1,837/Year
Vermont$1,504/Year
Washington$2,175/Year
Wisconsin$2,026/Year
West Virginia$2,557/Year
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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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