Wyoming Car Insurance Cost for 2022

How much is Wyoming car insurance going to cost? Find insurance rates by model and segment along with the cheapest vehicles to insure.

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How much does car insurance cost in Wyoming?

The average cost of car insurance in Wyoming is $1,400 per year, which is 10.7% less than the average rate of $1,567 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 2022 models, with the 40-year-old driver with $500 deductibles serving as our overall average rate.

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Chart Data Details: Chart shows average Wyoming car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Wyoming zip codes.Data last updated on June 24, 2022
Average Wyoming Car Insurance Cost by Driver Age and Deductible
Average Car Insurance Cost in Wyoming
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,354$196
$500$2,774$231
$250$3,214$268
30$1,000$1,236$103
$500$1,472$123
$250$1,718$143
40$1,000$1,186$99
$500$1,400$117
$250$1,626$136
50$1,000$1,082$90
$500$1,274$106
$250$1,476$123
60$1,000$1,062$89
$500$1,250$104
$250$1,448$121

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 $102 per month for the Honda CR-V up to $129 per month for the Jeep Grand Cherokee.

  1. Ford F-150 pickup – $1,354 per year ($113 per month)
  2. Honda CR-V compact SUV – $1,224 per year ($102 per month)
  3. Toyota Camry midsize car – $1,374 per year ($115 per month)
  4. Jeep Grand Cherokee midsize SUV – $1,542 per year ($129 per month)
  5. Honda Civic compact car – $1,386 per year ($116 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 $3,514 per year for a 19-year-old female driver up to $5,008 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 $1,278 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 $366 for a 40-year-old driver.
  • Earning multiple discounts with your car insurance company could save as much as $438 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 $182 per year.
  • Causing an at-fault accident could cause your rates to jump by as much as $570 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 towards the middle of the pack at 28th out of all 50 U.S. states, with an average annual cost of $1,400 per year.

When compared to surrounding states, Wyoming car insurance rates are 13.9% cheaper than Colorado, 3.8% more expensive than Nebraska, 1.6% more than South Dakota, 5.7% cheaper than Montana, 16.5% more than Idaho, and 11.3% more expensive than Utah.

The chart below ranks all states in the U.S. West region for car insurance affordability, with Wyoming ranking 7th out of 11 states.

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Wyoming Car Insurance Cost Compared to West Region
Average Car Insurance Cost in Wyoming Compared to West Region
West Region States Average Insurance Cost Annual Difference
Hawaii$1,034-$366
Washington$1,158-$242
Idaho$1,202-$198
Utah$1,258-$142
Oregon$1,276-$124
Alaska$1,338-$62
Wyoming$1,400--
Montana$1,484$84
Colorado$1,626$226
Nevada$1,672$272
California$1,744$344

When average Wyoming auto insurance rates are compared to states outside the West region, Wyoming is 3.2% cheaper than Arizona, 13.6% more expensive than Illinois, 37.2% cheaper than Florida, 13.6% cheaper than New York, and 2.5% 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 2022 Honda Civic in Wyoming is $1,386 per year. When compared to other nearby states, insuring the same vehicle is:

  • $84 per year cheaper than in Montana ($1,470)
  • $140 per year more expensive than in Utah ($1,246)
  • $270 per year cheaper than in Nevada ($1,656)
  • $344 per year cheaper than in California ($1,730)
  • $224 per year cheaper than in Colorado ($1,610

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 the types of vehicles that have affordable rates are the Honda CR-V, Subaru Forester, Ford Edge, Kia Sportage, Toyota Tacoma, Kia Sedona, and Chevy Colorado.

The chart below summarizes annual car insurance cost in Wyoming for each vehicle segment. Rates range from just over $1,200 per year for small SUVs up to over $2,000 per year for full-size luxury sedans and exotic performance vehicles.

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Chart Data Details: Average Wyoming car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Wyoming Zip Codes.Data last updated on June 24, 2022
Wyoming Car Insurance Rates by Vehicle Segment
Wyoming Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,306$109
Midsize Pickup$1,340$112
Minivan$1,408$117
Midsize SUV$1,414$118
Compact Car$1,440$120
Midsize Car$1,458$122
Half-ton Pickup$1,518$127
Compact Luxury SUV$1,572$131
Large SUV$1,578$132
Compact Luxury Car$1,586$132
Large Car$1,618$135
Heavy Duty Pickup$1,670$139
Midsize Luxury SUV$1,690$141
Midsize Luxury Car$1,850$154
Sports Car$1,974$165
Large Luxury SUV$2,114$176
Large Luxury Car$2,210$184

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 Mazda CX-5, Nissan Kicks, and Chevrolet Trailblazer 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.

The table below ranks the top 50 vehicles with the cheapest Wyoming car insurance rates for the 2022 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.

Top 50 Vehicles for Cheap Car Insurance in Wyoming
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,062$89
2Nissan Kicks$1,092$91
3Chevrolet Trailblazer$1,098$92
4Honda Passport$1,122$94
5Subaru Crosstrek$1,122$94
6Chevrolet Colorado$1,150$96
7Toyota C-HR$1,150$96
8Buick Encore$1,154$96
9Nissan Rogue Sport$1,168$97
10Hyundai Venue$1,186$99
11Buick Envision$1,190$99
12Kia Seltos$1,192$99
13Acura RDX$1,198$100
14Ford Maverick$1,198$100
15Subaru Ascent$1,200$100
16Toyota Corolla Cross$1,200$100
17Hyundai Kona$1,210$101
18Subaru Forester$1,210$101
19Mazda MX-5 Miata$1,212$101
20Volkswagen Tiguan$1,214$101
21Subaru Impreza$1,216$101
22Chevrolet Spark$1,220$102
23Honda CR-V$1,224$102
24Cadillac XT4$1,230$103
25Mazda CX-30$1,236$103
26Ford Ranger$1,242$104
27Honda HR-V$1,258$105
28Ford Edge$1,260$105
29Ford Ecosport$1,268$106
30Chevrolet Trax$1,282$107
31Subaru Outback$1,284$107
32Acura ILX$1,288$107
33GMC Terrain$1,290$108
34Mitsubishi Eclipse Cross$1,290$108
35Nissan Murano$1,298$108
36Hyundai Tucson$1,300$108
37Toyota Tacoma$1,300$108
38Chevrolet Bolt$1,302$109
39Chevrolet Equinox$1,306$109
40Honda Odyssey$1,306$109
41Toyota Venza$1,308$109
42Volkswagen Taos$1,312$109
43Fiat 500X$1,314$110
44Ford Explorer$1,316$110
45Toyota RAV4$1,322$110
46Kia Soul$1,324$110
47Kia Sorento$1,326$111
48Nissan Frontier$1,332$111
49Hyundai Palisade$1,342$112
50Hyundai Santa Cruz$1,344$112

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Wyoming.Data last updated on June 24, 2022
    Top 50 Vehicles for Cheap Car Insurance in Wyoming

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Wyoming car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Wyoming Zip Codes.Data last updated on June 24, 2022
    Wyoming Car Insurance Rates for Popular Vehicles
    Wyoming Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Mazda CX-5$1,062$89
    Honda CR-V$1,224$102
    Ford Explorer$1,316$110
    Toyota RAV4$1,322$110
    Ford F150$1,354$113
    Nissan Rogue$1,370$114
    Toyota Camry$1,374$115
    Honda Civic$1,386$116
    Ford Bronco$1,406$117
    Toyota Highlander$1,408$117
    Honda Pilot$1,418$118
    Kia Forte$1,432$119
    Chevrolet Traverse$1,440$120
    Hyundai Santa Fe$1,458$122
    Ford Mustang$1,474$123
    Chevrolet Silverado$1,504$125
    Jeep Grand Cherokee$1,542$129
    Hyundai Elantra$1,578$132
    Ram Truck$1,598$133
    Jeep Wrangler$1,600$133

    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.