- The average cost of car insurance in Wyoming is $1,400 per year, or about $117 per month for full coverage.
- When compared to nearby states, Wyoming ranks seventh out of 11 states for overall car insurance affordability.
- Wyoming ranks 28th 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 $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.
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.
- Ford F-150 pickup – $1,354 per year ($113 per month)
- Honda CR-V compact SUV – $1,224 per year ($102 per month)
- Toyota Camry midsize car – $1,374 per year ($115 per month)
- Jeep Grand Cherokee midsize SUV – $1,542 per year ($129 per month)
- 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.
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.
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.
- Compact car – Subaru Impreza insurance at $1,216 per year or $101 per month
- Compact SUV – Mazda CX-5 insurance at $1,062 per year or $89 per month
- Midsize car – Subaru Legacy insurance at $1,356 per year or $113 per month
- Midsize SUV – Honda Passport insurance at $1,122 per year or $94 per month
- Full-size car – Toyota Avalon insurance at $1,468 per year or $122 per month
- Full-size SUV – Chevrolet Tahoe insurance at $1,404 per year or $117 per month
- Midsize pickup – Chevrolet Colorado insurance at $1,150 per year or $96 per month
- Full-size pickup – Ford F150 insurance at $1,354 per year or $113 per month
- Heavy duty pickup – Ford F350 Super Duty insurance at $1,520 per year or $127 per month
- Minivan – Honda Odyssey insurance at $1,306 per year or $109 per month
- Sports car insurance – Mazda MX-5 Miata insurance at $1,212 per year or $101 per month
- Compact luxury car insurance – Mercedes-Benz A220 insurance at $1,376 per year or $115 per month
- Compact luxury SUV – Acura RDX insurance at $1,198 per year or $100 per month
- Midsize luxury car – Acura ILX insurance at $1,288 per year or $107 per month
- Midsize luxury SUV – Cadillac XT5 insurance at $1,376 per year or $115 per month
- Full-size luxury car – Audi A5 insurance at $1,642 per year or $137 per month
- Full-size luxury SUV – Volvo XC90 insurance at $1,514 per year or $126 per month
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.
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 - $1,382 per year or $115 per month
- Casper Car Insurance - $1,384 per year or $115 per month
- Laramie Car Insurance - $1,392 per year or $116 per month
- Gillette Car Insurance - $1,454 per year or $121 per month
- Rock Springs Car Insurance - $1,422 per year or $119 per month
- Sheridan Car Insurance - $1,356 per year or $113 per month
