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 7% less than the average rate of $1,506 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 December 30, 2021
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 $94 per month for the Honda CR-V up to $127 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 – $1,130 per year ($94 per month)
  3. Toyota Camry midsize car – $1,440 per year ($120 per month)
  4. Jeep Grand Cherokee midsize SUV – $1,520 per year ($127 per month)
  5. Honda Civic compact car – $1,242 per year ($104 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 $5,010 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 13.8% 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$1,036-$364
Washington$1,158-$242
Idaho$1,202-$198
Utah$1,258-$142
Oregon$1,278-$122
Alaska$1,338-$62
Wyoming$1,400--
Montana$1,484$84
Colorado$1,624$224
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, 13.8% more expensive than Illinois, 37.2% cheaper than Florida, 13.5% 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 $1,242 per year. When compared to other nearby states, insuring the same vehicle is:

  • $72 per year cheaper than in Montana ($1,314)
  • $126 per year more expensive than in Utah ($1,116)
  • $238 per year cheaper than in Nevada ($1,480)
  • $306 per year cheaper than in California ($1,548)
  • $198 per year cheaper than in Colorado ($1,440

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 December 30, 2021
Wyoming Car Insurance Rates by Vehicle Segment
Wyoming Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,278$107
Midsize Pickup$1,332$111
Compact Car$1,372$114
Midsize SUV$1,422$119
Minivan$1,450$121
Midsize Car$1,456$121
Half-ton Pickup$1,516$126
Compact Luxury SUV$1,572$131
Compact Luxury Car$1,586$132
Large SUV$1,604$134
Large Car$1,618$135
Heavy Duty Pickup$1,648$137
Midsize Luxury SUV$1,696$141
Midsize Luxury Car$1,850$154
Sports Car$1,972$164
Large Luxury SUV$2,120$177
Large Luxury Car$2,278$190

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 the Chevrolet Spark, Mazda CX-30, and Honda CR-V 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
1Chevrolet Spark$1,102$92
2Mazda CX-30$1,126$94
3Honda CR-V$1,130$94
4Chevrolet Trax$1,134$95
5Toyota C-HR$1,136$95
6Hyundai Kona$1,138$95
7Buick Envision$1,142$95
8Ford Ecosport$1,148$96
9Kia Soul$1,148$96
10Chevrolet Colorado$1,150$96
11Mazda CX-5$1,150$96
12Chevrolet Blazer$1,152$96
13Nissan Rogue Sport$1,154$96
14Hyundai Venue$1,162$97
15Toyota Corolla$1,166$97
16Nissan Kicks$1,172$98
17Buick Encore$1,174$98
18Chevrolet Trailblazer$1,182$99
19Kia Sportage$1,190$99
20Jeep Compass$1,194$100
21Chevrolet Equinox$1,196$100
22Mitsubishi Eclipse Cross$1,196$100
23Ford Maverick$1,198$100
24Acura RDX$1,200$100
25Toyota Corolla Cross$1,200$100
26Nissan Murano$1,204$100
27Mazda MX-5 Miata$1,212$101
28Subaru Impreza$1,214$101
29Hyundai Tucson$1,216$101
30Ford Edge$1,224$102
31Kia Rio$1,224$102
32Subaru Ascent$1,228$102
33Cadillac XT4$1,230$103
34Honda HR-V$1,230$103
35Subaru Crosstrek$1,230$103
36Ford Ranger$1,232$103
37Nissan Rogue$1,238$103
38Honda Civic$1,242$104
39Ford Escape$1,244$104
40Nissan Sentra$1,246$104
41Kia Seltos$1,252$104
42Volkswagen Tiguan$1,254$105
43Honda Passport$1,262$105
44Mazda 3$1,264$105
45Subaru Forester$1,264$105
46Kia Telluride$1,272$106
47Toyota Tacoma$1,280$107
48GMC Terrain$1,284$107
49Mazda 6$1,288$107
50Fiat 500X$1,294$108

    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 December 30, 2021
    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 December 30, 2021
    Wyoming Car Insurance Rates for Popular Vehicles
    Wyoming Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Honda CR-V$1,130$94
    Mazda CX-5$1,150$96
    Nissan Rogue$1,238$103
    Honda Civic$1,242$104
    Honda Pilot$1,308$109
    Kia Forte$1,310$109
    Ford Explorer$1,340$112
    Chevrolet Traverse$1,344$112
    Ford F150$1,354$113
    Toyota RAV4$1,380$115
    Jeep Wrangler$1,388$116
    Toyota Camry$1,440$120
    Ford Mustang$1,474$123
    Ford Bronco$1,482$124
    Hyundai Santa Fe$1,502$125
    Chevrolet Silverado$1,504$125
    Jeep Grand Cherokee$1,520$127
    Toyota Highlander$1,530$128
    Ram Truck$1,594$133
    Hyundai Elantra$1,594$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.