Popular Questions about Car Insurance in Wyoming

On average, Wyoming drivers pay $1,371 a year for their car insurance. This is slightly higher than the national average cost of $1,311 per year. Shopping around for the best rate has the potential to save you hundreds of dollars a year.

Independent insurance agents can help you find the best car insurance policy by obtaining customized quotes from multiple insurance companies on your behalf. That way, you can be sure you are getting the coverage you need at a competitive price. 

Car insurance is a mixture of required and optional coverage. If you crash your car, here are a few of the things a solid Wyoming auto insurance can do to help...Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.

  • Fix Someone Else's Car – Required/Min. $20,000. We officially call this "property damage liability."
  • Pay Your Medical Bills – Optional. We officially call this "personal injury protection" or "PIP."
  • Pay Someone Else's Medical Bills – Required/Min. $25,000 per person; $50,000 per accident. We officially call this "bodily injury liability."
  • Pay For Uninsured Drivers – Optional. This is called uninsured motorist insurance but will cover you if you hit another driver without insurance.

In addition to the coverage mentioned above, you can also include other optional coverage in your car insurance policy such as:

  • Gap insurance
  • Rental car reimbursement insurance
  • Towing & roadside assistance insurance
  • Umbrella insurance

Wyoming is what is known as an “at-fault,” or “tort,” state. This means that the driver who caused the accident is responsible for covering the cost of damage and medical treatment.

Driving without insurance is illegal in Wyoming. If caught, you can face fines of $250 to $1,500, suspension of your driving privileges, and potentially even jail time. These tough penalties my explain why only 7.8% of all drivers in this state are driving uninsured vehicles. This is significantly lower than the national average rate of 13.0%.

If an uninsured driver causes a collision with your vehicle, that person is responsible for covering your damage and medical bills. However, without the funds to back them up, many will be unable to pay. You may need to go through legal channels and lawsuits just to collect a fraction of what is owed to you.

That is why having uninsured motorist insurance can prove so beneficial. This insurance can provide you with timely coverage for your injuries and damage if you are in a collision caused by an uninsured, underinsured, or hit-and-run driver. Your insurance company will then take on the difficult task of trying to collect funds owed by the at-fault driver, and will absorb the losses if unsuccessful.

Talk to a local independent insurance agent to learn more about this optional insurance and how it can protect you from undue financial losses.

When it comes to car insurance, there is no insurance company that can be considered “best” for everyone. The company that offers you the most affordable rate for coverage might not be the right choice for your neighbor or your best friend.

That is why independent agents compare policies and rates from a variety of top rated insurance companies. That way, they can find the policy that offers the coverage you want at the best value for you.

Yes! There are currently 27 independent insurance agents in Wyoming who are ready to help.

Because they are not tied to a single insurance provider, these agents can shop around to find you reliable coverage at a competitive rate. Contact an insurance agent near you to discover how easy it can be to get car insurance at a great price.

How does car insurance work?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 25.4 Min

National average car thefts per 1,000 2.94 Year

National average car insurance cost $1318 Year

CityCommute time (min)Auto theft rate / 1,000Annual insurance cost
Green River21.70.17$1,329
Rock Springs18.40.17$1,263
  1. $124
  2. Cheyenne, WY Car insurance average monthly cost
  3. The average monthly cost of auto insurance in Cheyenne is $124.
  4. When calculating your actual car insurance rate, your insurance company will take several factors into consideration, including your vehicle’s make, model and year, your age, your driving record, and sometimes even your credit score. This means your monthly cost could be significantly higher or lower than this average.
  5. There are several parts of Cheyenne that pose a significant risk to area drivers. Interstate 80 has been designated as the most dangerous road in the state. And data from the National Highway Transportation Safety Administration (NHTSA) reveals that the most dangerous intersection in Wyoming can also be found in Cheyenne. It is where Central Avenue meets Yellowstone Road. The good news is, if you have a solid, all-inclusive car insurance policy backing you up, you do not need to worry about an accident having a negative impact on your finances.
  6. As long as your policy includes collision insurance, your vehicle’s damage will be covered, even if you are at fault for the accident. Talk to a local independent insurance agent to learn more.

  1. $118
  2. Casper, WY Car insurance average monthly cost
  3. The average monthly cost of car insurance in Casper is $118.
  4. Insurance companies consider factors like your age, gender, and driving record, as well as details about your vehicle, when calculating a personalized quote for you. Remember, this city average rate only serves as a baseline to give you an idea of what you might be expected to pay. Your actual monthly cost could be higher or lower than this amount and can differ from one insurance company to another.
  5. Can you imagine walking out of the Eastridge Mall only to discover that your car was stolen while you shopped? As a resident of Casper, where residents report about 125 auto thefts every year, this is a valid concern. That is one of the reasons that comprehensive insurance can be so beneficial. This optional coverage can cover the costs associated with having your car stolen. It can also pay for damage caused by non-collision events such as floods, falling objects, and windstorms.
  6. Find an independent agent in Casper to learn more about comprehensive coverage, as well as your other car insurance coverage options.

  1. $100
  2. Laramie, WY Car insurance average monthly cost
  3. The average monthly cost of auto insurance in Laramie is $100.
  4. Because your Laramie car insurance rates are customized according to your personal details, your actual monthly cost could be considerably higher or lower than the city’s average amount. Your age, occupation, and driving record, as well as your vehicle’s year, make and model, the size of your deductible, and the amount of coverage you are purchasing can all play a role in how insurance companies calculate your price.
  5. Whether your car is sideswiped by an 18-wheeler on Interstate 80 or dinged by a pick-up truck at a red light on Grand Avenue, a good car insurance policy can cover your losses. As long as your policy includes all available coverage options as well as sufficient liability coverage, you don’t need to worry about needing to pay for anything other than your deductible.
  6. Talk to an independent agent in Laramie to learn more about how each car insurance coverage option can benefit you.

  1. $109
  2. Gillette, WY Car insurance average monthly cost
  3. The average monthly cost of car insurance in Gillette is $109.
  4. However, you should take this average with a grain of salt. Your monthly cost could be higher or lower than this average rate depending on details like your age, occupation, driving history, vehicle information, deductible amount, and more. Also, if you have teenage drivers in your household, you can usually expect to pay much higher rates, even if your teens are accident-free, because novice drivers present a bigger risk than those with experience.
  5. Whether you find yourself in a multi-vehicle collision on Interstate 90 or you are involved in a fender bender on S. Douglas Highway, a good car insurance policy can cover your financial obligations. By purchasing a policy that includes collision coverage, you can be sure that damage to your own vehicle is covered, even if the accident is your fault.
  6. Learn more about collision coverage as well as the other optional coverages available to you by speaking with one of Gillette’s experienced independent agents.

  1. $105
  2. Rock Springs, WY Car insurance average monthly cost
  3. The average monthly cost of car insurance in Rock Springs is $105.
  4. Of course, this is just an average. Your actual monthly cost could be higher or lower depending on factors like your age, driving history, and claims history as well as details about the vehicle(s) you wish to insure. Let an independent insurance agent compile a variety of customized Rock Springs car insurance quotes so you can find the policy that offers you the best value for your money.
  5. The more time you spend behind the wheel of your car, the more likely you are to be involved in a collision. Residents of Rock Springs have some of the longest commute times in the state. This extra time spent getting to and from work can translate to higher costs for car insurance. If you work from home, carpool, or use public transportation, you may qualify for low-mileage discounts on your coverage.
  6. Consult an independent insurance agent in Rock Springs to learn more about potential discounts for which you may be eligible, and for help finding an ideal car insurance policy.