For a 40-year-old driver with a clean record, Gillette car insurance averages about $164 a month ($1,973 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Wyoming average of $161 a month. Full-coverage averages in Gillette run from about $75 to $260 a month across the five major insurers we compared (Allstate, Farmers, GEICO, Safeco and State Farm).
Gillette costs a little more than Casper and Cheyenne for our benchmark driver, about $6 a month more than either city, but it’s still close to the Wyoming average, about $3 a month above it.
Five insurers price both Gillette ZIP codes in our data: Safeco, Farmers, State Farm, GEICO and Allstate. Their full-coverage averages run from about $75 to $260 a month for the same driver and car, so comparing companies matters far more here than your ZIP code: 82718 averages about $163 a month and 82716 about $166. For prices across the state, see our Wyoming car insurance quotes guide.
Cost data comes from the auto rates insurers file with state regulators, priced across both Gillette ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Gillette, WY?
Full coverage in Gillette averages $1,973 a year, or about $164 a month, for our benchmark driver. Liability-only coverage at Wyoming’s 25/50/20 minimum averages $378 a year ($32 a month), and 50/100/50 liability with comprehensive and collision averages $1,975 ($165 a month).
- Full coverage (100/300/100, $500 deductibles): $1,973 a year ($164 a month)
- 50/100/50 with $500 deductibles: $1,975 a year ($165 a month)
- Liability only (25/50/20): $378 a year ($32 a month)
- Campbell County: $1,973 a year ($164 a month) for full coverage
- Wyoming average: $1,936 a year ($161 a month) for full coverage
- ZIP code range: $163 (82718) to $166 (82716) a month for full coverage
Cheap Car Insurance in Gillette: Companies Compared
- Full-coverage range: about $75 to $260 a month across the five insurers in our rate data, for the same driver and car.
- Liability only (25/50/20): about $14 to $59 a month across the five insurers.
- Also on our list: American National at about $77 a month for full coverage and USAA at $109 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $260 a month.
Safeco’s Gillette average, about $75 a month, is 44% 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 $14 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 Gillette
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 Aug. 31, 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 | $294 | $25 | $900 | $75 |
| Farmers | $456 | $38 | $1,609 | $134 |
| State Farm | $261 | $22 | $1,661 | $138 |
| GEICO | $172 | $14 | $2,582 | $215 |
| Allstate | $706 | $59 | $3,114 | $260 |
| American National* | $228 | $19 | $923 | $77 |
| USAA (military families)* | $197 | $16 | $1,310 | $109 |
| Gillette average | $378 | $32 | $1,973 | $164 |
This table uses Gillette ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
Does Better Coverage Cost More in Gillette?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Gillette data: with the same $500 deductibles, full coverage averages $1,973 a year and 50/100/50 averages $1,975. 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 Gillette?
No, for our benchmark driver. Comparing the same insurers in the same Gillette ZIP codes, full coverage averaged $1,973 a year both nine months earlier and in rates as of Aug. 31, 2026. Allstate’s, Farmers’, GEICO’s, Safeco’s and State Farm’s averages were unchanged. Liability-only coverage at 25/50/20 limits was also unchanged.
What Shapes Car Insurance Costs in Gillette
Campbell County, whose two ZIP codes in our data are both Gillette’s, averages about $164 a month for full coverage, the third-most expensive of the 18 Wyoming counties we price, after Weston County ($168) and Teton County ($167).
Around Gillette, Newcastle, about 70 miles southeast, averages about $168 a month, the highest of the 21 Wyoming cities and towns we price, while Buffalo, about 60 miles west, averages $163 and Sheridan, about 80 miles northwest, $156, tied with Rawlins for the lowest.
How Gillette 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.
Casper, about 110 miles south, averages $158 a month, and Cheyenne, about 220 miles south, also $158.
What Car Insurance Is Required in Gillette?
Drivers in Gillette 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 Gillette
- Compare Safeco and American National first. They have the two lowest full-coverage averages among the insurers in our Gillette table, about $75 and $77 a month.
- Quote several insurers. In our Gillette data, the lowest and highest insurer averages are about $185 a month apart for the same driver and car.
- Think twice before dropping to liability only. Wyoming averages more than 7,600 vehicle collisions with big game each year, according to Wyoming Game and Fish, and liability-only coverage won’t pay to repair your own car.
- Keep proof of insurance current. After a crash, WYDOT checks every driver’s insurance online and suspends the license of a driver it can’t verify, unless that driver files a release from the other parties or posts security.
- 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 auto insurance 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 deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Wyoming, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Gillette 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 Aug. 31, 2026.
- Sample: 10 full-coverage premiums from five insurers across two Gillette 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 Aug. 31, 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.
Gillette Car Insurance FAQ
For our benchmark driver, full coverage in Gillette averages about $164 a month ($1,973 a year) and liability-only coverage about $32 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 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 Gillette run from about $75 to $260 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 $14 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.
In our rate data, five insurers price both Gillette ZIP codes: Safeco, Farmers, State Farm, GEICO and Allstate, with full-coverage averages from about $75 to $260 a month for our benchmark driver. Our Gillette table also lists American National and USAA, priced from published Wyoming rate studies; USAA sells only to military families.
82718, on the south side, for our benchmark driver. It averages about $163 a month for full coverage in our data, and 82716, to the north, about $166. The difference comes from Allstate, which prices 82716 higher; the other four insurers price both ZIP codes the same.
In our Gillette data, full coverage (100/300/100 with $500 deductibles) averages about $164 a month and liability-only coverage at 25/50/20 limits about $32, a difference of about $132 a month ($1,595 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, Gillette full coverage was unchanged over the past nine months, at $1,973 a year in both. Liability-only coverage at 25/50/20 limits was also unchanged.
For our benchmark driver, full coverage in Gillette averages about $164 a month. Nearby, Casper averages about $158 and Cheyenne about $158. Casper and Cheyenne are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
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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.
