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Car insurance pricing in Wyoming depends on more than your ZIP code. Your vehicle, coverage level and driving history all play a role – and the difference between the cheapest and most expensive policies can be significant. Enter a few details below to get a quick estimate of your potential costs.

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

It only takes about a minute to get an estimate:

  • Select your car’s model year
  • Choose the make and model
  • Confirm Wyoming as your state
  • Click ‘Get My Rates’ to view your estimate
  • Add more vehicles or click ‘Get quotes’ to compare real-time pricing
Data last refreshed in 2026
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What affects your car insurance rate in Wyoming?

  • Your car’s make, model, year and trim
  • Your location within Wyoming
  • Your coverage level
  • Your driving history, credit score and vehicle storage

Does your vehicle model affect car insurance rates in Wyoming?

A vehicle’s make and model can significantly impact car insurance rates. ‘Make’ refers to the brand and ‘model’ refers to the specific model you drive. For example, Honda (make) Accord (model).

Insurers price based on how much a vehicle costs to repair or replace, how often that model is involved in claims, and how frequently it’s stolen. Two vehicles at the same price point can carry meaningfully different premiums.

For example, full coverage for a Honda Accord LX costs $2,114 per year in Wyoming, while the average premium for a Honda CR-V is $1,574 – a difference of $540.

Popular cars aren’t always cheaper to insure

High theft rates or expensive repair costs can push premiums up on common models. Check insurance costs before you buy, not after.

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

In general, newer vehicles cost more to insure because they are more expensive to repair or replace. In Wyoming, the annual premium for a 2024 Honda Accord LX is $1,924, while the 2025 model costs $2,024.

That said, older cars aren’t always cheaper – vehicles without modern safety features or with costly parts may still carry higher premiums.

Check your state’s minimum coverage rules

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

According to the III (Insurance Information Institute), state-required minimums often aren’t enough to cover the costs of a serious crash, so it’s worth considering higher coverage levels for stronger financial protection. Driving without the required coverage can result in fines, license suspension, or 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.

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

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How does your car’s trim affect insurance rates in Wyoming?

Your car’s trim can affect how much you pay for insurance. Trim refers to a particular version of a model that includes different features, equipment, or engine options, such as LX, EX, or Sport.

For example, in Wyoming, full coverage for a 2024 Honda Accord LX costs $1,924 annually, while the Accord EX-L trim costs $2,010 – a difference of $86.

Features like premium audio systems or advanced tech can increase rates by raising the car’s value. Performance trims may also increase premiums due to higher risk.

Upgrading your trim can increase insurance costs

Higher trims often mean higher premiums because upgraded electronics, interiors, and components cost more to repair or replace. Before choosing a trim, it’s worth getting a quote on each option to see how the price difference carries over to your insurance.

How much does car insurance cost in Wyoming?

The average cost of full coverage car insurance in Wyoming is $2,061 per year, or $172 per month. While this is a helpful benchmark, your actual premium may differ depending on your car, coverage and personal profile.

Coverage levelAverage annual rateAverage monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,061$172
Liability Only – 50/100/50 BI/PD$367$31
State Minimum BI/PD$339$28
Non-Owners$270$22
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People also ask:

What is full coverage car insurance?

Full coverage car insurance includes liability, comprehensive, and collision coverage. It can also include protections like uninsured motorist coverage, medical payments, and other add-ons based on your needs and state requirements.

How do car insurance rates vary by city in Wyoming?

Your location within Wyoming can impact your premium just as much as your coverage level. Insurers consider traffic density, accident data, weather risks and theft rates when determining prices – which is why two drivers with similar profiles may pay very different amounts depending on their ZIP code.

Full coverage costs $2,130 per year in Jackson, compared to $1,947 in Cheyenne.

Top 20 cities with cheapest car insurance rates in Wyoming

These cities typically have the lowest premiums due to lighter traffic, fewer claims and lower overall risk.

CityAvg. Annual PremiumAvg. Monthly Premium
Cheyenne$1,947$162
Granite Canon$1,991$166
Big Horn$1,992$166
Ranchester$1,992$166
Sheridan$1,992$166
Wyarno$1,992$166
Albin$1,993$166
Burns$1,993$166
Carpenter$1,993$166
Fe Warren AFB$1,993$166
Hillsdale$1,993$166
Horse Creek$1,993$166
Meriden$1,993$166
Pine Bluffs$1,993$166
Mills$1,995$166
Banner$1,999$167
Story$1,999$167
Dayton$2,000$167
Parkman$2,000$167
Casper$2,003$167
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Top 20 cities with most expensive car insurance rates in Wyoming

These cities tend to have the highest premiums, driven by heavy traffic, higher accident rates and more frequent claims.

CityAvg. Annual PremiumAvg. Monthly Premium
Jackson$2,130$177
Moose Wilson Road$2,130$177
Teton Village$2,130$177
Alta$2,126$177
Moose$2,126$177
Aladdin$2,125$177
Alva$2,125$177
Beulah$2,125$177
Devils Tower$2,125$177
Four Corners$2,125$177
Hulett$2,125$177
Moorcroft$2,125$177
Newcastle$2,125$177
Osage$2,125$177
Sundance$2,125$177
Upton$2,125$177
Lance Creek$2,124$177
Kelly$2,123$177
Moran$2,121$177
Recluse$2,119$177
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If you’re moving within Wyoming, check insurance rates before you go

Relocating from a rural area to a larger city can increase your annual premium by hundreds of dollars – even if everything else stays the same.

Frequently asked questions

What is the average cost of car insurance in Wyoming?

The average cost of full coverage car insurance in Wyoming is $2,061 per year, or $172 per month. Your actual rate will depend on your vehicle, coverage level, driving history and location within the state.

How can I lower my car insurance premium in Wyoming?

The most effective ways to lower your premium are comparing quotes from multiple carriers, increasing your deductible, bundling your auto policy with home or renters insurance, maintaining a clean driving record, and choosing a vehicle that costs less to insure. Discounts for safe driving, good grades or low annual mileage can also add up.

Does my credit score affect car insurance rates in Wyoming?

In most states, insurers use a credit-based insurance score as one factor in setting your premium – a higher score typically means lower rates. However, California, Hawaii, Massachusetts and Michigan prohibit insurers from using credit when determining rates. Check whether Wyoming has any restrictions on this practice.

Sources:

Insurance Information Institute. Auto insurance basics: Understanding your coverage. Accessed May 2026.

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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Alisha Ambre

 
  

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

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