Cheapest Auto Insurance in Casper, Wyoming (2025)

The average monthly car insurance rate in Casper is $106. Drivers pay an average of $52 per month for liability coverage and $161 per month for full coverage. Casper’s car insurance rates are cheaper than the national average of $144 and on par with the state average of $83.

Always compare car insurance quotes from multiple companies before buying a policy.

Cheapest car insurance companies in Casper

The best car insurance company in Casper is the one that meets your insurance needs while accommodating your budget and lifestyle. The three cheapest car insurance companies in Casper offer benefits like multiple discounts, strong financial ratings, and flexible coverage options that meet state minimum requirements while providing the coverage you need.

Best insurer for liability coverage: Safeco

Best insurer for full coverage: Progressive

Best insurer for customer service: Dairyland

How to get the cheapest car insurance in Casper

Car insurance in Casper costs $106 per month on average, but your exact rate depends on the coverage you choose and your driver details, like your age, gender, and driving record. Here are some things you can do to find cheap car insurance in Casper:

• Shop around. Compare car insurance quotes from multiple companies to find the best rates.

• Apply for discounts. Most insurance companies offer numerous discount opportunities. Talk to your insurance agent about what you qualify for.

• Increase your deductible. Choosing a higher deductible results in lower premiums. However, you’ll pay higher out-of-pocket expenses if you file a claim.

Cheapest liability-only car insurance in Casper

Liability-only car insurance is just that: It pays only for the injuries or damages you cause another person or property in an at-fault accident. When you purchase liability insurance, you meet the state-required minimums and usually find some of the cheapest rates available.

These savings are a benefit, though liability-only insurance doesn’t cover your damages or injuries, so it might not be the right coverage for your needs. If you need additional coverage, consider options like collision and comprehensive.

Safeco has the cheapest rates for liability-only policies in Casper, at $42 per month. Compare this to the other insurers in the table below.

Cheapest full-coverage car insurance in Casper

Even though the price is usually higher, choosing a full-coverage insurance policy has several benefits over a liability-only policy. Full-coverage policies include liability insurance as well as insurance that covers damages to your vehicle.

Most include comprehensive and collision coverage, which may be useful to families with young adults on their policies who might mistakenly back into a parked car.

This table shows the average full-coverage car insurance rates in Casper, including the cheapest insurer, Progressive, at $111 per month. Remember that policy costs will differ depending on what exact coverages are included in their full coverage.

Car insurance requirements in Wyoming

Most states, including Wyoming, require drivers to maintain a minimum amount of liability insurance. All Casper drivers, regardless of how often they drive, must possess this minimum coverage to drive legally on any public road in the state.

Wyoming is an at-fault state, so the driver who causes the accident is financially responsible for the injuries and damages they cause.6

Although they’re not legally required, you might want to consider additional options for auto insurance to reimburse you and your passengers for any damages or injuries you sustain:

Cheapest car insurance for drivers with an incident

In 2022, 1,827 car crashes were reported in Casper, the most of any Wyoming city, and 5.7% of these crashes involved alcohol. Speed also played a factor in crashes statewide, with a male driver behind the wheel in 70% of them.7

Whether it leads to a fatal incident or a fender bender, an at-fault accident, a speeding ticket, or a DUI conviction can increase your average annual rates in minutes. These unsafe driving behaviors increase the likelihood of filing a claim, which is why a car insurance company penalizes them with higher-priced insurance coverage.

Average cost of car insurance by age

In 2022, Wyoming teen drivers and senior drivers contributed to a significant number of critical (29%, 16%) and fatal (23%, 22%) crashes.7

As you can see in the following table, rates tend to decrease around age 25 as a driver gains experience, then increase again around age 70 with the increase in age-related physical and mental declines.

Teens have a higher average cost due to their inexperience, poor judgment, increased confidence, and the presence of distractions.

Casper car insurance quotes by credit tier

Your credit history can influence your car insurance quotes because Wyoming allows insurers to consider your credit report when determining your premium. Data suggests that the better someone’s credit is, the less likely they are to file a claim.8

That’s why people with excellent or good credit may pay lower rates than drivers with poor credit.