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Car insurance is essential in Wyoming, but finding the right plan at the right price isn’t always easy. That’s where our Wyoming car insurance calculator can help.

Use our auto insurance calculator to see your estimated annual and monthly costs in Wyoming. It factors in your vehicle’s make and model so you can make informed coverage decisions.

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 2026
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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, as in most states, your car’s model year can impact your insurance rate. For example, the average annual premium for a 2023 Honda Accord LX is $2,725, compared to $2,298 for the 2024 model.

Quick tip: Know your state’s minimum insurance requirements before you buy

Car insurance requirements vary by state. In Wyoming, you must have at least the minimum liability coverage to drive legally. This typically includes:

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

These limits are just the minimum required by law-many drivers opt for higher coverage to ensure better financial protection after an accident. Driving without the required coverage in Wyoming can result in fines, license suspension or 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.

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

Insurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.

For example, in Wyoming, full coverage car insurance for a 2023 Honda Accord LX costs $2,725 a year, while the higher-end Accord EX-L trim costs $2,221 annually – a difference of $504 per year.

Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater 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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Car insurance costs in Wyoming by city

Car insurance rates in Wyoming vary significantly depending on the city you live in. Factors like traffic congestion, accident frequency, weather conditions and crime rates all influence how much drivers pay for coverage. For instance, drivers in Jackson pay $2,056 annually for full coverage, while those in Cheyenne pay closer to $1,878 per year.

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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Estimate your Wyoming car insurance cost with our calculator

Our Wyoming car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate.

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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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