For a 40-year-old driver with a clean record, Casper car insurance averages about $158 a month ($1,894 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s about the same as the Wyoming average of $161 a month. Full-coverage averages in Casper run from about $70 to $249 a month across the five major insurers we compared (Allstate, Farmers, GEICO, Safeco and State Farm).
Casper’s three ZIP codes are priced within about $2 a month of each other in our data: 82601, which includes downtown, averages about $159 a month for full coverage, and 82604, on the west side, and 82609, on the east side, about $157 each.
That puts Casper close to the Wyoming average, about $3 a month below it, and level with Cheyenne for our benchmark driver, while the five major insurers we compared run from about $70 to $249 a month here.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Casper ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 10, 2026.
How Much Is Car Insurance in Casper, WY?
Full coverage in Casper averages $1,894 a year, or about $158 a month, for our benchmark driver. Liability-only coverage at Wyoming’s 25/50/20 minimum averages $421 a year ($35 a month), and 50/100/50 liability with comprehensive and collision averages $1,889 ($157 a month).
- Full coverage (100/300/100, $500 deductibles): $1,894 a year ($158 a month)
- 50/100/50 with $500 deductibles: $1,889 a year ($157 a month)
- Liability only (25/50/20): $421 a year ($35 a month)
- Natrona County: $1,894 a year ($158 a month) for full coverage
- Wyoming average: $1,936 a year ($161 a month) for full coverage
- ZIP code range: $157 (82604 and 82609) to $159 (82601) a month for full coverage
Cheap Car Insurance in Casper: Companies Compared
- Full-coverage range: about $70 to $249 a month across the five insurers in our rate data, for the same driver and car.
- Liability only (25/50/20): about $17 to $59 a month across the five insurers.
- Also on our list: American National at about $74 a month for full coverage and USAA at $105 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $249 a month.
Safeco’s Casper average, about $70 a month, is 48% below Farmers’ ($134), a lead wide enough that we show the range instead of naming a single cheapest insurer. The recent statewide Wyoming rate studies we reviewed most often rank American National cheapest for full coverage: five of the eight put it first (four of those five were published in 2026), and every study that includes American National ranks it first. For liability-only coverage at 25/50/20 limits, averages run from about $17 to $59 a month; the lowest is far enough below the other major insurers we compared that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Casper
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/20 (Yearly): | Minimum Liability 25/50/20 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Safeco | $329 | $27 | $841 | $70 |
| Farmers | $521 | $43 | $1,606 | $134 |
| State Farm | $340 | $28 | $1,633 | $136 |
| GEICO | $208 | $17 | $2,397 | $200 |
| Allstate | $709 | $59 | $2,992 | $249 |
| American National* | $254 | $21 | $888 | $74 |
| USAA (military families)* | $220 | $18 | $1,260 | $105 |
| Casper average | $421 | $35 | $1,894 | $158 |
This table uses Casper ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Casper Car Insurance Rates by ZIP Code
Across the three Casper ZIP codes we price, full coverage for our driver ranges from about $157 a month in 82604 and 82609 to $159 in 82601, a gap of $26 a year. 82601 is the most expensive Casper ZIP code in our data only because Allstate prices it higher than 82604 and 82609; the other four insurers price all three Casper ZIP codes the same.
Lowest-priced Casper ZIP codes
Highest-priced Casper ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Casper’s average.
| ZIP Code: | Minimum Liability 25/50/20 (Yearly): | Minimum Liability 25/50/20 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 82601 | $421 | $35 | $1,911 | $159 | +1% |
| 82604 | $421 | $35 | $1,885 | $157 | -1% |
| 82609 | $421 | $35 | $1,885 | $157 | -1% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Casper?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Casper data: with the same $500 deductibles, full coverage averages $1,894 a year and 50/100/50 averages $1,889. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Safeco charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Casper?
No, for our benchmark driver. Comparing the same insurers in the same Casper ZIP codes, full coverage averaged $1,894 a year both 10 months earlier and in rates as of Sept. 30, 2026. Allstate’s, Farmers’, GEICO’s, Safeco’s and State Farm’s averages were unchanged. Averages for liability-only coverage at 25/50/20 limits didn’t change either.
What Shapes Car Insurance Costs in Casper
Natrona County, whose three ZIP codes in our data are all Casper’s, averages about $158 a month for full coverage. Only Sheridan and Carbon counties cost less among the 18 Wyoming counties we price, and Laramie County, home to Cheyenne, is about the same.
Douglas, about 50 miles east in Converse County, averages about $159 a month, and Riverton, about 105 miles west in Fremont County, $162. Prices change only a little from town to town in Wyoming: all 21 cities and towns we price average between $156 and $168 a month.
How Casper Car Insurance Compares With Other Wyoming Cities
More Wyoming cities and towns are in the Wyoming rates by city table, and you can compare states on our car insurance rates by state page.
Cheyenne, about 140 miles southeast, also averages $158 a month, and Gillette, about 110 miles north, averages $164.
What Car Insurance Is Required in Casper?
Drivers in Casper follow Wyoming’s rules. Wyoming drivers must carry liability insurance of at least 25/50/20, according to the Wyoming Department of Transportation (WYDOT):
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $20,000 per crash
Our Wyoming requirements guide covers how the state checks your coverage and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Casper
- Compare Safeco and American National first. They have the two lowest full-coverage averages among the insurers in our Casper table, about $70 and $74 a month.
- Quote several insurers. In our Casper data, the lowest and highest insurer averages are about $179 a month apart for the same driver and car.
- Plan ahead if you need an SR-22. When WYDOT suspends a license after an uninsured crash, the SR-22 is required for three years from the start of the suspension, and reinstatement costs $50, according to WYDOT.
- Know how credit is used. Under W.S. 26-2-134, Wyoming insurers can’t use your credit history as the only reason to cancel, deny or nonrenew a policy, and you must be told when credit is used against you.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Casper home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Casper Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
- Sample: 15 full-coverage premiums from five insurers across three Casper ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Wyoming’s 25/50/20 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every major insurer we compared and at least half of the statewide rate studies we cite rank it cheapest.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Sept. 30, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Wyoming rate studies, scaled to our benchmark driver. They aren’t included in our averages.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Wyoming law and the Wyoming Department of Transportation. We refresh these figures when new rate data is released.
Casper Car Insurance FAQ
For our benchmark driver, full coverage in Casper averages about $158 a month ($1,894 a year) and liability-only coverage about $35 a month, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is about the same as the Wyoming average of $161 a month.
It depends on the coverage. For full coverage, averages in Casper run from about $70 to $249 a month across the five major insurers we compared, and the gap between the two lowest of those five is too wide for us to call one insurer the cheapest. For liability-only coverage, averages run from about $17 to $59 a month. Five of the eight recent statewide Wyoming rate studies we reviewed rank American National cheapest for full coverage, and every study that includes it ranks it first. Rates vary by driver, so compare quotes for your own car and ZIP code.
They’re about the same for our benchmark driver: full coverage averages about $158 a month in both cities, or $1,894 a year in Casper and $1,893 in Cheyenne.
In our data, 82604 and 82609 share the lowest full-coverage average in Casper, at about $157 a month, and 82601 the highest, at about $159. The ZIP code table on this page lists all three.
In our Casper data, full coverage (100/300/100 with $500 deductibles) averages about $158 a month and liability-only coverage at 25/50/20 limits about $35, a difference of about $123 a month ($1,473 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Wyoming law doesn’t require full coverage, but a lender or leasing company may.
No, for our benchmark driver. Comparing the same insurers and ZIP codes, Casper full coverage was unchanged over the past 10 months, at $1,894 a year in both. Liability-only coverage at 25/50/20 limits was also unchanged.
For our benchmark driver, full coverage in Casper averages about $158 a month. Nearby, Gillette averages about $164 and Cheyenne about $158. Cheyenne is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
