Casper Car Insurance

How much does car insurance cost in Casper, WY? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Casper?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Wyoming has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Casper typically pay around $85.88 per month compared to the national average of $135.61 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.61
Wyoming $90.34
Casper, Wyoming $85.88

Casper, WY Best Car Insurance Companies

car insurance in Casper

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, SAFECO generally has the most affordable car insurance in Casper coming in around $73.32 per month. Other companies to consider if you live in Casper is USAA with an average cost of $94.73 per month and State Farm which typically runs around $100.86 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Casper.

RankCompanyAverage Monthly RateComparison State Average
1 SAFECO $73.32-18.84%
2 USAA $94.734.86%
3 State Farm $100.8611.65%
4 Grange $114.4326.66%
5 Metropolitan $121.6834.69%
6 Farmers $162.9880.41%
7 Allstate $166.7584.59%

How Much is Car Insurance in Casper, WY?

how much is auto insurance in Casper

Rates can vary from city to city. The residents of Casper typically pay $85.88 per month while people who live in Cheyenne will pay $96.88 per month on average. See what people pay for car insurance in other cities in Wyoming.

Wyoming CitiesMonthly Average Rate
Casper $85.88
Cheyenne $96.88
Gillette$94.81
Jackson $80.13
Laramie$92.43

Cheap Car Insurance in Casper by Zip Codes

find cheap auto insurance in Casper

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Wyoming. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Casper, WY ZIP CodeAverage Monthly Rate
82601$86.78
82604$85.55
82605$72.74
82609$85.07

Car Insurance Rates by Driver's Age Group in Casper

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $232.30 per month in Casper. Compare that to drivers in their 30’s who typically pay around $76.09 per month drivers in their 40s at $74.05 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$232.30
20s$109.68
30s$76.09
40s$74.05
50s$52.55
60s$52.26
70+$82.12

Cheapest Insurance for Teenage Drivers in Casper

If you are teen in Casper you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $194.96 per month. This is likely the most affordable option in Casper. You might also want to consider SAFECO and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$194.96
SAFECO$196.83
State Farm$319.46
Grange$324.34
Farmers$388.21

Cheapest Insurance for 20 Year-olds in Casper

20 year-olds in Casper might want to consider SAFECO who, on average, offers car insurance rates around $93.16 per month. State Farm, Grange , USAA and Metropolitan are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
SAFECO$93.16
State Farm$134.11
Grange$159.11
USAA$159.43
Metropolitan$159.88

Cheapest Insurance for 30 Year-olds in Casper

If you are in your 30s in Casper our research has found that SAFECO typically has the most affordable coverage coming in around $70.58 per month, followed by State Farm at $94.46 and USAA at $118.70.

CompanyAverage Monthly Rate
SAFECO$70.58
State Farm$94.46
USAA$118.70
Metropolitan$124.07
Grange$135.92

Cheapest Insurance for 40 Year-olds in Casper

On average, USAA offers car insurance for 40 year-olds in Casper for around $58.41 per month. If you are looking for affordable coverage, you may also want to consider SAFECO or State Farm. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$58.41
SAFECO$63.64
State Farm$91.19
Grange$104.79
Metropolitan$115.26

Cheapest Insurance for 50 Year-olds in Casper

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Casper we found that USAA generally offers the most affordable coverage at $45.62 per month.

CompanyAverage Monthly Rate
USAA$45.62
SAFECO$50.28
Grange$63.83
State Farm$70.02
Metropolitan$79.56

Cheapest Insurance for 60 Year-olds in Casper

If you live in Casper and you’re in your 60s, our data indicates that USAA usually has the best rates at $48.58 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$48.58
SAFECO$60.92
State Farm$70.61
Metropolitan$76.78
Grange$77.45

Driver's Coverage Auto Insurance Rates in Casper, WY

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Casper, the average monthly rate for a driver who is currently insured is $84.68 while drivers who are not currently covered will pay around $87.73.

CoverageAverage Monthly Rate
Not Currently Insured $87.73
Currently Insured $84.68

Compare Recent Car Insurance Quotes in Casper

auto insurance quotes in Casper city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Casper a driver of a 2006 Ford Expedition can expect to pay around $66.84 per month while someone that owns a 2013 Ford Taurus may pay around $121.90 per month. Check out the list of recent quotes in Casper below.

VehicleAverage Monthly Rate
2006 Ford Expedition$66.84
2013 Ford Taurus$121.90
2018 Dodge Challenger$304.88
2013 Ford Taurus$121.90
1996 Gmc Jimmy$64.28
2004 Chevrolet Malibu$64.35
2021 Kia Seltos$291.46
2020 Ford Escape$180.68
2014 Honda Cr-V$139.29
2005 Gmc Yukon$68.45

FAQ's for Drivers in Casper, WY

driver’s frequently asked question in Casper

What Is the Minimum Liability Coverage Requirement in Casper, WY?

Every state requires drivers to have a minimum amount of liability coverage. Wyoming drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $20,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Wyoming requires all motorists to carry liability insurance on their vehicles. At a minimum, drivers need $25,000 of bodily injury coverage per person and $50,000 of bodily injury coverage per accident, plus $20,000 of property damage liability to cover damage to another person’s property in the event of an accident where you’re at fault.

Wyoming has a tort system, which means you can be sued for actual damages and economic losses, as well as for emotional and physical pain and suffering if you’re found to be at fault in a crash.

What Is the Blood Alcohol Concentration (BAC) limit in Casper, WY?

It’s against the law to drive in Wyoming at the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

It isn’t necessary for a person to have a BAC of 0.08% to be arrested for DUI in the state of Wyoming. Also, you can be convicted of driving under the influence with a BAC below the legal limit of 0.08% if you’re displaying signs consistent with impairment of drugs or alcohol.

What are the consequences of being convicted of a DUI?

Wyoming motorists who drive under the influence face harsh penalties. First-time DUI convictions are misdemeanors and may result in fines of up to $750, court costs, jail time, license suspension for 90 days, and 6 months' use of an ignition interlock device for those with a BAC higher than 0.15%.

Second and subsequent offenses may result in greater fines and jail time. Those convicted of multiple DUIs will also be required to attend a substance abuse program.

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Commute Time in Casper, WY

16.5 Miles
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Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Casper, WY

11

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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