Cheapest Auto Insurance in Casper, Wyoming (2024)

Casper drivers can find the best car insurance with Safeco, Progressive, and Dairyland.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated May 23, 2024

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Cheapest recent rates near Casper, Wyoming

Drivers using Insurify have found quotes as cheap as $50/mo for liability only and $95/mo for full coverage in Casper and other Wyoming cities.

*Quotes generated for Insurify users in and around Casper, Wyoming within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Casper, Wyoming within the last 10 days. Last updated on May 23, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 23, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $160 and on par with the state average of $115.

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

Quick Facts
  • Safeco is the cheapest company in Casper for liability car insurance.

  • Wyoming is an at-fault state for car insurance.

  • Insurers in Wyoming can use your credit history when determining your rates.

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.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Safeco4.2$114$42Liability coverage
Progressive4.2$111$45Full coverage
Dairyland3.5$150$54Customer service
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for liability coverage: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$126/mo

Safeco is one of the cheapest car insurance companies in Casper and has the lowest average car insurance rates for liability-only policies. Although Safeco only uses independent agents, the many representatives in Casper can help drivers meet state minimum insurance requirements while also keeping their premiums as low as possible through accident forgiveness discounts, claims-free cash back, and diminishing deductibles.

Pros
  • Lower-than-average number of complaints on the National Association of Insurance Commissioners (NAIC) complaint index 

  • Multiple independent agents in the Casper area

Cons
  • Poor Trustpilot customer service score

  • AM Best rating is lower than some competitors

Read our Safeco review
Jennetta - May 19, 2024
Verified

Too High for Three Years Without a Claim and Only 5000 Miles of Local Driving

Search around, it's much too high.

Jonathan - May 19, 2024
Verified

The Moment You Have an Accident, Start Looking for a New Insurance Company

The experience was absolutely great until they decided not to renew my policy due to an accident. I felt so betrayed by a company that I had been using for over 5 years.

Samuel - May 13, 2024
Verified

Unfortunate Recent Experience with Safeco

I wouldn't recommend them. They keep increasing your premiums every year. Last time, they cited inflation as the reason, the time before that it was due to RVs, and the time before that because the Dodgers were high.

Best insurer for full coverage: Progressive

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$80/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$137/mo

As one of the largest insurance companies in the country, Progressive has cheap rates for full-coverage policies. It’s the cheapest option for Casper drivers who want to save money by controlling exactly how much coverage they get beyond liability insurance. Progressive’s long history in the industry, multiple company awards, and strong financial strength make it a national insurer that Casper drivers can feel secure with.

Pros
  • Extra compensation for safe driving through Snapshot program

  • A+ AM Best rating

Cons
  • No anti-theft discounts; Casper has the second-highest number of vehicle thefts in the state

  • Not one of the best companies for customer satisfaction in WY, according to J.D. Power

Read our Progressive review
Randy - May 22, 2024
Verified

Difficult to Submit Forms Due to Backlogged Office

I would rate them 5 out of 5, or 10 out of 10, except for their backlogged office handling past Proof Of Insurance forms.

Dexter - May 22, 2024
Verified

No

They keep increasing the prices.

Patricia - May 22, 2024
Verified

They are ok

I probably would not recommend them. I have had no dealings with the agent. I only had a phone conversation to renew and received no help. I was only able to renew with what I had.

Best insurer for customer service: Dairyland

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$49/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$137/mo

If you value customer service from an insurance agency more than finding the lowest rates, Dairyland is a great option. Good customer reviews and limited complaints in Wyoming, combined with relatively cheap rates and no filing fees for SR-22 forms, may give you peace of mind that a live customer service agent is ready to devote time to your insurance needs.

Pros
  • Positive customer reviews on Trustpilot and no NAIC complaints for Wyoming

  • No SR-22 filing fees

Cons
  • Not the cheapest Casper insurer

  • Discounts limited to seven basics, like home insurance and multi-car discounts

Read our Dairyland review
Mochael - May 21, 2024
Verified

Dairyland and I agreed on a liability-only policy at a rate of $209 per month. I provided them with all my information, including both at-fault and not-at-fault incidents, as well as tickets. Then, I received a text message stating they were going to withdraw $368 from my account due to an at-fault accident. I had already informed them about this accident when we agreed on the premium. They had all my information when we settled at $209 a month. Now, they want to raise my rate after I've given them all my information. I've since canceled my policy with them and moved on.

Dairyland and I agreed on a liability-only policy at a rate of $209 per month. I provided them with all my information, including both at-fault and not-at-fault incidents, as well as tickets. Then, I received a text message stating they were going to withdraw $368 from my account due to an at-fault accident. I had already informed them about this accident when we agreed on the premium. They had all my information when we settled at $209 a month. Now, they want to raise my rate after I've given them all my information. I've since canceled my policy with them and moved on.

James - May 14, 2024
Verified

Very Pleased

I haven't had any problems. I've made no claims. I received the renewal policy at a lower rate than expected, well in advance of the renewal date. I'm unlikely to change.

Laura - April 15, 2024
Verified

Ok

Very good

Find Cheap Car Insurance in Casper, Wyoming

Liability coverage quotes start at $42 per month

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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.

Insurance CompanyAverage Monthly Quote
Safeco$42
Progressive$45
Dairyland$54
Midvale Home & Auto$75
Bristol West$83
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

Insurance CompanyAverage Monthly Quote
Progressive$111
Safeco$114
Dairyland$150
Midvale Home & Auto$161
Bristol West$249
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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.[1]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$20,000 per accident

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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers a loss when your car collides with a vehicle or an object like a curb, pothole, or phone pole.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers non-collision damages from events like severe weather, animal activity, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage protects you in the event that an uninsured or underinsured motorist hits you.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments (MedPay) coverage

    Medical payments (MedPay) coverage pays for medical expenses and funeral costs you and your passengers incur from an accident.

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.[2]

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.

Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Progressive$45$77$119$209
Safeco$42$71$111$194
Dairyland$54$92$142$249
Midvale Home & Auto$75$128$199$349
Bristol West$83$143$222$389
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.[2]

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.

AgeAverage Monthly Quote
Teens$275
20s$202
30s$142
40s$133
50s$106
60s$94
70s$118
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Shop for Car Insurance in Casper, WY

Liability rates start at $42 per month

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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.[3]

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

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Casper car insurance FAQs

Finding the right car insurance can be difficult. Below are answers to some of the most commonly asked questions about car insurance in Casper.

  • How much is car insurance in Casper?

    Car insurance in Casper costs an average of $106 per month. Drivers pay $52 for liability coverage and $161 for full coverage, on average. The city’s car insurance rates are cheaper than the national average of $160 and similar to the state average of $115.

  • Who has the cheapest car insurance in Casper?

    Safeco has the cheapest liability car insurance in Casper, with a rate of $42 per month. Progressive has the cheapest full-coverage car insurance in Casper, with a monthly rate of $111.

  • What are the best car insurance companies in Casper?

    With an Insurify Quality (IQ) Score of 3.9 out of 5, an A+ (Superior) financial strength rating from AM Best, and various discounts, Progressive is the best car insurance company in Casper. Other top insurers include Safeco and Dairyland.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Wyoming Department of Transportation. "Frequently Asked Questions."
  2. Wyoming Department of Transportation. "Wyoming Report on Traffic Crashes."
  3. Wyoming Department of Insurance. "Insurance Topics."
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

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