Car Insurance Cost in Casper, WY – Cheapest to Insure + Averages (2024)

• The average cost of car insurance in Casper is $1,704 per year, or about $142 per month for full coverage.
• Casper, Wyoming, car insurance costs an average of $10 per year less than the Wyoming state average rate ($1,714) and $179 per year less than the U.S. national average ($1,883).
• Compact crossovers like the Nissan Kicks, Kia Soul, Honda CR-V, and Mazda CX-5 are some of the top choices for cheap car insurance in Casper.

What is average car insurance cost in Casper?

Average car insurance rates in Casper cost $1,704 per year, or approximately $142 per month. When compared to the U.S. overall average rate, Casper car insurance cost is 10% cheaper per year.

In the state of Wyoming, average car insurance cost is $1,714 per year, so the cost in Casper averages $10 less per year. The cost to insure a vehicle in Casper compared to other Wyoming locations is about $38 per year less than in Rock Springs, $8 per year cheaper than in Laramie, and $70 per year less than in Gillette.

The next chart goes into more detail for drivers age 20 to 60 by showing a range of rates for a range of driver ages, risk profiles, and policy deductibles.

Average rates in the previous chart range from $1,414 per year for a 40-year-old driver who qualifies for many discounts to $3,920 per year for a 20-year-old driver who is required to buy high-risk auto insurance. The rate used in this article for comparison of different models and locations is the 40-year-old safe driver rate, which has an average cost of $1,704 per year in Casper.

As a monthly rate, the average cost of car insurance in Casper ranges from $118 to $327 for the risk profiles shown in the chart above.

Auto insurance rates are extremely variable and seemingly inconsequential changes in a driver’s risk profile can cause consequential changes in car insurance premiums. The likelihood of a wide range of rates reinforces the need for multiple car insurance quotes when searching online for cheaper auto insurance.

Driver age significantly impacts the cost of car insurance. The list below illustrates these differences by showing average car insurance rates in Casper for driver ages from 16 to 60.

Average car insurance rates in Casper, WY, for drivers age 16 to 60

• 16-year-old driver – $6,069 per year or $506 per month
• 17-year-old driver – $5,879 per year or $490 per month
• 18-year-old driver – $5,270 per year or $439 per month
• 19-year-old driver – $4,798 per year or $400 per month
• 20-year-old driver – $3,430 per year or $286 per month
• 30-year-old driver – $1,818 per year or $152 per month
• 40-year-old driver – $1,704 per year or $142 per month
• 50-year-old driver – $1,512 per year or $126 per month
• 60-year-old driver – $1,414 per year or $118 per month

The rates above for average cost of car insurance for teen drivers used a male as the rated driver. The next chart goes into more detail for teenage car insurance rates and shows the average cost for car insurance for teen drivers in Casper by gender. Teenage females are expensive to insure, but do tend to have cheaper car insurance rates than males of the same age.

Auto insurance for a 16-year-old female in Casper costs an average of $398 less than male drivers each year, while at age 19, the cost difference is less but males still pay an average of $741 more per year.

Models that are popular in Casper tend to be compact or midsize cars like the Honda Civic, Volkswagen Jetta, and Honda Accord and compact and midsize SUVs like the Toyota RAV4, Nissan Rogue, and Chevy Traverse.

A few additional popular models from other vehicle segments include luxury SUVs like the Acura MDX and Infiniti QX60, luxury cars like the Acura ILX and BMW 530i, and pickup trucks like the Toyota Tacoma and Chevy Silverado.

We will get into rates in much more detail a little farther down this article, but before we do that, let’s rehash the concepts that were covered up to this point.

• Casper auto insurance prices are cheaper than the Wyoming state average – $1,704 (Casper average) compared to $1,714 (Wyoming average)
• Average cost per month ranges from $118 to $506 – That is the average auto insurance price range for drivers from age 16 to 60 in Casper, Wyoming.
• Insuring teen drivers costs a lot – Average cost can range from $4,057 to $6,069 per year to insure a teen driver in Casper, WY.
• Auto insurance with low deductibles costs more – A 50-year-old driver pays an average of $708 more per year for a $250 deductible policy versus a $1,000 deductible policy.
• Casper, WY, car insurance cost is less than the U.S. average – $1,704 (Casper average) versus $1,883 (U.S. average)
• Auto insurance is cheaper as you get older – Car insurance rates for a 50-year-old driver in Casper are $1,918 per year cheaper than for a 20-year-old driver.

Which vehicles have cheap insurance in Casper?

When comparing all types of models, the vehicles with the most affordable insurance prices in Casper, WY, tend to be crossovers and small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Hyundai Venue.

Average auto insurance quotes for those models cost $1,481 or less per year to have full coverage.

Additional models that rank towards the top in our car insurance price comparison are the Kia Niro, Volkswagen Tiguan, Ford Bronco Sport, and Buick Encore.

Average auto insurance rates are slightly more for those models than the cheapest crossover SUVs that rank near the top, but they still have average rates of $1,568 or less per year, or about $131 per month in Casper.

The table below details the 40 cars, trucks, and SUVs with the cheapest insurance rates in Casper, sorted by annual and monthly insurance cost.

A list of 40 ranked vehicles is not really the best way to show a detailed summary of Casper insurance rates. A more thorough way to look at car insurance rates in a manner that is not overwhelming is by breaking them out by segment. The next six sections rank the models with the lowest cost insurance rates for each of the primary segments.

Cheapest car insurance rates in Casper

The lowest-cost cars to insure in Casper are the Toyota GR Corolla at $1,482 per year, the Nissan Leaf at $1,492 per year, and the Honda Civic at $1,510 per year.

Additional models that are affordable to insure are the Chevrolet Malibu, Hyundai Ioniq 6, Toyota Prius, and Kia K5, with average insurance cost of $1,652 per year or less.

Additional models on the list include the Hyundai Sonata, Mazda 3, Toyota Crown, Volkswagen Jetta, and Kia Forte, which average between $1,652 and $1,762 per year for insurance.

Auto insurance rates in Casper for this segment starts at around $124 per month, depending on your location. The comparison table below ranks the twenty cars with the cheapest average auto insurance rates in Casper, starting with the Toyota GR Corolla at $124 per month and ending with the Mazda 3 at $147 per month.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see your vehicle? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Casper car insurance quotes from top-rated companies in Wyoming.

Cheapest SUV insurance rates in Casper, Wyoming

The top five models for the cheapest Casper car insurance rates in the SUV segment (excluding luxury models) are the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, Subaru Crosstrek, and Honda Passport. Auto insurance prices for these 2024 models average $113 or less per month.

Some other SUVs that are affordable to insure are the Ford Bronco Sport, Hyundai Venue, Buick Envision, and Toyota Corolla Cross, with average rates of $1,396 per year or less.

Some additional 2024 models that make the list include the Honda HR-V, Volkswagen Taos, Kia Niro, Subaru Outback, and Subaru Ascent, which average between $1,396 and $1,482 per year to insure in Casper.

From a monthly standpoint, auto insurance rates in this segment for the average driver starts at an average of $105 per month, depending on your company and location. The table below ranks the twenty SUVs with the most affordable car insurance rates in Casper, starting with the Subaru Crosstrek at $1,262 per year ($105 per month) and ending with the Honda HR-V at $1,482 per year ($124 per month).

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Need rates for a different SUV? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Wyoming.

Cheapest sports car insurance rates in Casper

The most affordable sports cars to insure in Casper are the Mazda MX-5 Miata at $1,578 per year, the Toyota GR86 at $1,796 per year, and the Ford Mustang at $1,872 per year.

Not the cheapest sports cars to insure, but still affordable, are models like the Nissan Z, Subaru BRZ, Toyota GR Supra, and BMW M2, with an average cost to insure of $2,038 per year or less.

In the bottom half of the top 20, models like the Chevrolet Corvette, Chevrolet Camaro, BMW M4, Lexus LC 500, and Porsche 718 cost between $2,038 and $2,886 per year for auto insurance in Casper.

On a monthly basis, car insurance on this segment in Casper will start around $132 per month, depending on the company and your location.

The table below ranks the sports cars with the cheapest average car insurance rates in Casper, starting with the Mazda MX-5 Miata at $1,578 per year ($132 per month) and ending with the Porsche Taycan at $2,886 per year ($241 per month).

Don’t see rates for your sports car? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Casper.

Cheapest pickups to insure in Casper

The top five models for the cheapest Casper auto insurance rates in the pickup segment are the Ford Ranger, Ford Maverick, Chevrolet Colorado, Nissan Titan, and Nissan Frontier. Auto insurance prices for these vehicles average $138 or less per month.

Also ranking in the top 10 are pickups like the GMC Sierra 2500 HD, Toyota Tacoma, Honda Ridgeline, and Hyundai Santa Cruz, with an average cost to insure of $1,752 per year or less.

Car insurance in Casper for this segment for an average middle-age driver starts at around $122 per month, depending on your location and insurance company.

The comparison table below ranks the twenty pickups with the most affordable car insurance in Casper.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see rates for your pickup? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Casper car insurance quotes from top-rated companies in Wyoming.

Cheapest luxury car insurance rates in Casper

Taking the top ranking in Casper for the lowest-cost insurance in the luxury sedan segment is the Acura Integra, with an average cost of $1,514 per year. Second place is the BMW 330i costing $1,736 per year, and ranking third is the Mercedes-Benz CLA250, costing an average of $1,754 per year.

Also ranking well in our comparison are models like the Lexus RC 300, Cadillac CT4, Genesis G70, and Mercedes-Benz AMG CLA35, with average annual insurance rates of $1,792 per year or less.

Ranked between 10th and 20th place, cars like the Lexus RC 350, Lexus ES 250, Lexus IS 350, Jaguar XF, BMW 330e, and Audi S3 cost between $1,792 and $1,910 to insure per year in Casper.

Car insurance for this segment in Casper starts at around $126 per month, depending on your location.

The next table ranks the luxury cars with the lowest-cost average auto insurance rates in Casper, starting with the Acura Integra at $1,514 per year and ending with the Audi S3 at $1,910 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see insurance rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Wyoming.

Cheapest luxury SUVs to insure in Casper, Wyoming

Ranking highest for the most affordable Casper car insurance rates in the luxury SUV segment are the Acura RDX, Jaguar E-Pace, Lexus NX 250, Cadillac XT4, and Cadillac XT5. Car insurance rates for these 2024 models average $1,610 or less per year.

Other luxury SUVs that have good average insurance rates are the Mercedes-Benz GLB 250, Lexus UX 250h, Lexus NX 350h, and Lexus NX 450h, with average annual insurance rates of $1,646 per year or less.

Auto insurance for this segment in Casper for a good driver starts at around $119 per month, depending on the company and where you live.

When the luxury SUV segment is analyzed by vehicle size, the most budget-friendly small luxury SUV to insure in Casper is the Acura RDX at $1,426 per year, or $119 per month. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $1,596 per year, or $133 per month. And for large luxury SUVs, the Infiniti QX80 is most affordable to insure at $1,910 per year, or $159 per month.

The rate comparison table below ranks the twenty SUVs with the cheapest insurance rates in Casper, starting with the Acura RDX at $119 per month and ending with the Lexus NX 350 at $143 per month.

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see your luxury SUV in the list? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Casper car insurance quotes from top car insurance companies in Wyoming.

Variability of car insurance rates

To help show the amount the cost of the same car insurance policy can deviate for different drivers (and also emphasize the importance of accurate rate quotes), the sections below visualize comprehensive car insurance rates for three popular vehicles in Casper: the Ram Truck, Toyota Corolla, and Honda CR-V.

Each illustration displays average rates for a range of driver profiles to show the possible cost variation based on multiple scenarios.

Ram Truck insurance rates

Ram Truck insurance in Casper averages $1,970 per year (about $164 per month) and ranges from $1,634 to $4,542 per year.

The Ram Truck is part of the full-size truck segment, and other similar models from the same segment include the Toyota Tundra, Chevrolet Silverado, and GMC Sierra.

Toyota Corolla insurance rates

Toyota Corolla insurance in Casper averages $1,660 per year, or around $138 per month, and has a range of $1,378 to $3,804 annually.

The Toyota Corolla is part of the compact car segment, and other top-selling models from the same segment include the Chevrolet Cruze, Nissan Sentra, and Hyundai Elantra.

Honda CR-V insurance rates

Honda CR-V insurance in Casper costs an average of $1,454 per year ($121 per month) and varies from $1,208 to $3,338.

The Honda CR-V is classified as a compact SUV, and additional similar models from the same segment include the Nissan Rogue, Subaru Forester, and Ford Escape.

Tips for cheaper Casper auto insurance rates

Smart drivers in Casper are always looking to save money on car insurance, so take a minute and read through the money-saving ideas in this next list and see if you can save a few bucks on your next policy.

• Choose a vehicle with cheaper auto insurance rates. Vehicle performance is a big factor in the price you pay for car insurance. For example, a Subaru Impreza costs $1,720 less per year to insure in Casper than a Audi R8. Less performance equals cheaper rates.
• If your car is older, remove unneeded coverages. Dropping full coverage from vehicles that are older will cut the cost of car insurance considerably.
• Shop around. Setting aside a few minutes before every renewal to get some free car insurance quotes is our best recommendation for saving money. Rates change quite often and you do not have to wait for your renewal to change companies.
• Get better rates due to your profession. Many car insurance companies offer policy discounts for earning a living in occupations like accountants, high school and elementary teachers, lawyers, scientists, nurses, and others. Qualifying for an occupational discount may save between $51 and $166 on your yearly auto insurance cost, depending on your age.
• Save money by qualifying for policy discounts. Discounted rates may be available if the policyholders are military or federal employees, are claim-free, work in certain occupations, insure multiple vehicles on the same policy, drive low annual mileage, or many other policy discounts which could save the average Casper driver as much as $290 per year on the cost of auto insurance