Casper Car Insurance

(Coverage at the best price when you need it)


Casper, WY, is known for its cowboy culture and black gold. Nicknamed "The Oil City," this town has a rich history.

When you're driving the adventure-filled streets, remember to have proper coverage. An independent insurance agent can find the auto policy you need. Connect with a local agent in minutes.

Casper, WY, Theft Rates and Your Car Insurance

The local crime will have a positive or negative impact on your premiums. If there is less theft in a city, then the carriers will reward you with lower pricing. Let's take a look at the average theft rate per 100,000 people:

  • National average: 228.9
  • Wyoming average: 212.2

Casper, WY, has a significant amount of theft per 100,000 compared to the state and national figures. That being said, your car insurance premiums could be affected. There are some things you can do to save money in other areas. Bundling your auto and home insurance together will give you a larger multi-policy discount to offset any rate increase. Discuss discount options with your local independent agent. 

Car Insurance Requirements for Casper, WY

Wyoming state law mandates that every driver carry minimum liability limits. If you are found without proper coverage, then you could be fined or jailed. Let's look at the minimum limits of liability required in Casper, WY:

  • Minimum liability limits of $25,000 per person
  • Minimum liability limits of $50,000 per accident
  • Minimum liability limits of $25,000 property damage

Your car insurance is just as important as life insurance. You'll need coverage to be right the first time because it may be the only chance you get. Minimum liability limits is a start, but your independent agent will likely suggest higher coverage. Speak with a Casper agent to discuss your limits of liability today.

Other Car Insurance Options in Casper, WY

Liability is just the start of your auto insurance policy. To have adequate coverage, you'll want to know all your options. Let's take a look at the most common auto insurance choices:

  • Rental car: This pays for a rental vehicle while a covered auto is replaced or repaired due to a loss.
  • Towing: This will pay for the tow of a scheduled auto.
  • Comprehensive: This pays for property damage to your car should an unavoidable object strike it.
  • Collision: This pays for the damage to your vehicle when a collision with another car or property occurs.
  • Gap: This pays for the remaining balance on your car loan when there is a difference in value, and your vehicle is totaled.

These optional limits can mean the difference in you paying the total expense or just a deductible. Other coverages will provide insurance for your trailers and ATVs as well. Speak with your local independent agent to discuss which auto policy is best for you. 


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Liability Insurance in Casper, WY

The most used coverage on your auto policy is liability insurance. Liability will protect your finances from a loss due to bodily injury or property damage. See how you can add liability insurance to your auto policy:

1. Increase your current liability limits on your underlying auto policy

2. Purchase an umbrella policy to add another level of protection

Umbrella insurance explained:

Umbrella insurance supplies another layer of liability coverage above and beyond your underlying home and auto policies. It will apply when you've exhausted your primary auto policy due to a larger claim. 

Speak with your Casper independent agent on your liability limits. 

Uninsured/Underinsured Motorists in Casper, WY

If you want to be adequately protected, you'll need uninsured/underinsured motorists or UM/UIM coverage. This insurance is not automatically required in Casper, WY, but it's much needed. Let's look at the facts:

  • National percentage of uninsured drivers: 13.%
  • Wyoming percentage of uninsured drivers: 7.8%

Every state has its fair share of drivers that don't have insurance. When you share the roads with these motorists, you're vulnerable to an accident that's not covered. 


UM/UIM will pay for your medical expenses and property damage resulting from a not-at-fault accident with an uninsured motorist.

Since UM/UIM insurance is not mandated in Casper, WY, you'll have to ask your agent to add it to your car insurance policy. 

Work with an Independent Insurance Agent in Casper, WY

If you're searching for car insurance in Casper, WY, an independent insurance agent can help. They work with several carriers, giving you options on coverage and price. 

To get matched with a local independent agent, go to You can use the find-an-agent tool to get connected today. 

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