- The average cost of car insurance in Wyoming is $2,326 per year, or about $194 per month for full coverage.
- When compared to nearby states, Wyoming ranks fifth out of 11 states for overall car insurance affordability.
- Wyoming ranks 20th out of all 50 U.S. states for cheapest car insurance cost, with compact SUV models generally having the best rates.
How much does car insurance cost in Wyoming?
The average cost of car insurance in Wyoming is $2,326 per year, which is 2.2% more expensive than the average rate of $2,276 per year for all 50 states.
The chart below shows the average cost of car insurance in Wyoming when broken out for drivers aged 20 to 60 and policy deductibles of $250, $500, and $1,000. Rates are averaged for all 2024 models, with the 40-year-old driver with $500 deductibles serving as our overall average rate.
There are many factors that determine the rate you’ll pay in Wyoming for auto insurance. One of the biggest is the actual vehicle you’re insuring.
For a quick example, the list below contains annual and monthly car insurance rate averages for five of the more popular cars, SUVs, and pickups found on the roads of Wyoming. Rates for this example range from as low as $165 per month for the Honda CR-V up to $194 per month for the Jeep Grand Cherokee.
- Ford F-150 pickup – $2,598 per year ($217 per month)
- Honda CR-V compact SUV – $1,982 per year ($165 per month)
- Toyota Camry midsize car – $2,496 per year ($208 per month)
- Jeep Grand Cherokee midsize SUV – $2,326 per year ($194 per month)
- Honda Civic compact car – $2,060 per year ($172 per month)
Another big factor that determines the price of car insurance quotes is the age of the driver. Teenage drivers tend to have the most expensive rates, which in Wyoming range from $5,537 per year for a 19-year-old female driver up to $8,278 per year for a 16-year-old male driver.
Some additional factors and situations that can affect car insurance rates in Wyoming include:
- A DUI or other major driving violation could cause car insurance to cost as much as $2,160 more per year for the average driver.
- Even a minor traffic violation like a speeding ticket could increase the annual cost of car insurance in Wyoming by $616 for a 40-year-old driver.
- Earning multiple discounts with your car insurance company could save as much as $720 per year. These discounts include things like multi-vehicle, multi-policy, safe driver, claim-free, customer loyalty, and others.
- Bundling your auto and homeowners insurance with the same company could save an average of $296 per year.
- Causing an at-fault accident could cause your rates to jump by as much as $964 each year.
Later in this article we will go into much more detail on model-specific car insurance rates, but first, lets see how Wyoming car insurance rates compare to other nearby states as well as states in other parts of the U.S.
Is car insurance in Wyoming expensive?
Overall, car insurance in Wyoming is pretty affordable. Wyoming ranks decently at 20th out of all 50 U.S. states, with an average annual cost of $2,326 per year.
When compared to surrounding states, Wyoming car insurance rates are 12.8% cheaper than Colorado, 4% more expensive than Nebraska, 9.8% cheaper than South Dakota, 2.1% cheaper than Montana, 14.3% more expensive than Idaho, and 1% more expensive than Utah.
The chart below ranks all states in the U.S. West region for car insurance affordability, with Wyoming ranking fifth out of 11 states and highlighted in dark blue.
When average Wyoming auto insurance rates are compared to states outside the West region, Wyoming is 2.1% cheaper than Arizona, 1% more expensive than Illinois, 18.2% cheaper than Florida, 18.4% cheaper than New York, and 2.9% cheaper than Texas.
Here’s another example that compares average car insurance quotes for a Honda Civic in Wyoming compared to other neighboring U.S. states. Instead of percentages, each comparison shows the annual dollar amount difference between Wyoming and each other state.
As our baseline, average car insurance cost on a 2024 Honda Civic in Wyoming is $2,060 per year. When compared to other nearby states, insuring the same vehicle is:
- $44 per year cheaper than in Montana ($2,104)
- $20 per year more expensive than in Utah ($2,040)
- $474 per year cheaper than in Nevada ($2,534)
- $492 per year cheaper than in California ($2,552)
- $282 per year cheaper than in Colorado ($2,342
What type of vehicle is cheapest to insure?
In Wyoming, as with other states, the cheapest car insurance quotes are usually found on small and midsize SUVs, midsize pickups, and minivans.
Specific examples of vehicles that have affordable rates are the Kia Soul, Buick Envision, Subaru Crosstrek, Chevrolet Trailblazer, and Nissan Kicks.
The chart below summarizes annual car insurance cost in Wyoming for each vehicle segment. Rates range from just over $2,100 per year for small SUVs up to over $3,100 per year for full-size luxury models and sports cars.
Knowing which type of vehicle has cheap overall car insurance rates is very useful when beginning your search for an affordable vehicle. Rates range considerably within each segment, however, so as you narrow down your choices, the next section may be useful as we break out the cheapest vehicles to insure in the state of Wyoming.
Which vehicles have cheap Wyoming car insurance rates?
If you’re looking for the cheapest overall car insurance cost in Wyoming, the Subaru Crosstrek, Chevrolet Trailblazer, and Kia Soul might be your best bets.
If a compact SUV or compact car is not your style, the list below details the specific model with the cheapest average car insurance rates for all vehicle segments.
- Compact car – Toyota GR Corolla insurance at $2,022 per year or $169 per month
- Compact SUV – Subaru Crosstrek insurance at $1,720 per year or $143 per month
- Midsize car – Kia K5 insurance at $2,240 per year or $187 per month
- Midsize SUV – Honda Passport insurance at $1,852 per year or $154 per month
- Full-size car – Chrysler 300 insurance at $2,212 per year or $184 per month
- Full-size SUV – Chevrolet Tahoe insurance at $2,182 per year or $182 per month
- Midsize pickup – Chevrolet Colorado insurance at $2,048 per year or $171 per month
- Full-size pickup – Nissan Titan insurance at $2,176 per year or $181 per month
- Heavy duty pickup – GMC Sierra 2500 HD insurance at $2,364 per year or $197 per month
- Minivan – Honda Odyssey insurance at $2,124 per year or $177 per month
- Sports car insurance – Mazda MX-5 Miata insurance at $2,152 per year or $179 per month
- Compact luxury car insurance – Acura Integra insurance at $2,068 per year or $172 per month
- Compact luxury SUV – Acura RDX insurance at $1,944 per year or $162 per month
- Midsize luxury car – Mercedes-Benz CLA250 insurance at $2,392 per year or $199 per month
- Midsize luxury SUV – Jaguar E-Pace insurance at $2,176 per year or $181 per month
- Full-size luxury car – Audi A5 insurance at $2,764 per year or $230 per month
- Full-size luxury SUV – Infiniti QX80 insurance at $2,608 per year or $217 per month
The table below ranks the top 50 vehicles with the cheapest Wyoming car insurance rates for the 2024 model year. Each model is linked to a more detailed page where you can find average rates for different model years and trim levels for each vehicle.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,720 | $143 |
| 2 | Chevrolet Trailblazer | $1,748 | $146 |
| 3 | Kia Soul | $1,816 | $151 |
| 4 | Nissan Kicks | $1,830 | $153 |
| 5 | Honda Passport | $1,852 | $154 |
| 6 | Buick Envision | $1,864 | $155 |
| 7 | Toyota Corolla Cross | $1,874 | $156 |
| 8 | Hyundai Venue | $1,886 | $157 |
| 9 | Mazda CX-5 | $1,898 | $158 |
| 10 | Ford Bronco Sport | $1,904 | $159 |
| 11 | Volkswagen Tiguan | $1,926 | $161 |
| 12 | Acura RDX | $1,944 | $162 |
| 13 | Nissan Murano | $1,954 | $163 |
| 14 | Buick Encore | $1,974 | $165 |
| 15 | Honda CR-V | $1,982 | $165 |
| 16 | Subaru Outback | $1,982 | $165 |
| 17 | Buick Envista | $1,988 | $166 |
| 18 | Volkswagen Taos | $1,992 | $166 |
| 19 | Kia Niro | $2,000 | $167 |
| 20 | Toyota GR Corolla | $2,022 | $169 |
| 21 | Honda HR-V | $2,024 | $169 |
| 22 | Subaru Ascent | $2,024 | $169 |
| 23 | Nissan Leaf | $2,038 | $170 |
| 24 | Chevrolet Colorado | $2,048 | $171 |
| 25 | Honda Civic | $2,060 | $172 |
| 26 | Lexus NX 250 | $2,060 | $172 |
| 27 | Volkswagen Atlas | $2,064 | $172 |
| 28 | Acura Integra | $2,068 | $172 |
| 29 | Subaru Forester | $2,070 | $173 |
| 30 | Volkswagen Atlas Cross Sport | $2,074 | $173 |
| 31 | Kia Seltos | $2,078 | $173 |
| 32 | GMC Terrain | $2,080 | $173 |
| 33 | Nissan Rogue | $2,090 | $174 |
| 34 | Hyundai Kona | $2,094 | $175 |
| 35 | Cadillac XT4 | $2,098 | $175 |
| 36 | Mazda CX-30 | $2,098 | $175 |
| 37 | Ford Explorer | $2,108 | $176 |
| 38 | Volkswagen ID4 | $2,108 | $176 |
| 39 | Toyota Highlander | $2,112 | $176 |
| 40 | Ford Escape | $2,120 | $177 |
| 41 | Toyota Venza | $2,122 | $177 |
| 42 | Honda Odyssey | $2,124 | $177 |
| 43 | Nissan Sentra | $2,132 | $178 |
| 44 | Subaru Impreza | $2,138 | $178 |
| 45 | Chevrolet Equinox | $2,142 | $179 |
| 46 | Toyota RAV4 | $2,144 | $179 |
| 47 | Mazda MX-5 Miata | $2,152 | $179 |
| 48 | Mazda MX-30 | $2,158 | $180 |
| 49 | Hyundai Tucson | $2,160 | $180 |
| 50 | Chevrolet Traverse | $2,170 | $181 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Wyoming Zip Codes. Updated October 24, 2025
Wyoming car insurance rates for popular vehicles
Many of the most popular vehicles driving in Wyoming are not the cheapest to insure, and therefore do not show up in the previous tables and charts.
The chart below shows average car insurance rates in Wyoming for 20 of the most popular vehicles in the state. Rates are sorted from more affordable to most expensive, and clicking the table icon below the chart also shows the average monthly car insurance cost for each model.
Wyoming car insurance cost by city
Shown below are some of the larger cities in Wyoming and the average car insurance rates for each. Visit any page to view additional rate information, including average cost by automotive segment, rates for different driver ages and risk profiles, and the vehicles with cheap car insurance quotes in each city.
- Cheyenne Car Insurance - $2,312 per year or $193 per month
- Casper Car Insurance - $2,314 per year or $193 per month
- Laramie Car Insurance - $2,324 per year or $194 per month
- Gillette Car Insurance - $2,384 per year or $199 per month
- Rock Springs Car Insurance - $2,354 per year or $196 per month
- Sheridan Car Insurance - $2,288 per year or $191 per month
- Green River Car Insurance - $2,344 per year or $195 per month