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Cheap Auto Insurance Quotes in Laramie, WY (May 2022)

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1 Insurance
Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022


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Quick Facts

  • The average cost of car insurance in Laramie is $143 per month, or $1716 annually.
  • Car insurance in Laramie is $12 less than the average cost of car insurance in Wyoming.
  • The cheapest car insurance provider in Laramie on average is Safeco, but you should always compare quotes to find your best personal rate.

Car Insurance in Laramie, WY

The average cost of Wyoming car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Laramie, WY to find you the cheapest quotes in the area.

Quotes by Top Companies

State Farm
The General
American Family

Cheapest Car Insurance in Laramie, WY

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in LaramieQuotes
State Farm$50 /mo
Allstate$63 /mo
The General$118 /mo
American Family$257 /mo

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Average Car Insurance Cost

Wyoming Cities
Rock Springs$124/mo
Rock Springs
Average for WY
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in WY

Every state has at least a few different rules when it comes to car insurance. Wyoming requires minimum liability insurance coverage for every vehicle registered in the state. These minimum coverages are:

  • $25,000/$50,000 bodily injury liability per person/accident
  • $20,000 property damage liability coverage
  • $25,000/$50,000 uninsured motorist bodily injury coverage

The last component is not required. However, to reject uninsured motorist coverageWyoming drivers must do so in writing.

Find local Laramie agents

  • Laramie Investment Company, Inc. 

    104 S 5th St,
    Laramie, WY 82070
  • Allen Insurance-Laramie 

    650 North 4th St,
    Laramie, WY 82072-2548
  • Burns Insurance Agency, Inc.-Laramie 

    1465 N 4th St. Suite 115,
    Laramie, WY 82072-2066
  • HUB International-Laramie 

    866 N 4Th St,
    Laramie, WY 82072-2530
  • Insurance Unlimited

    568 N 3rd St #100,
    Laramie, WY 82072
  • Betty Buckman: Allstate Insurance

    755 N 4th St,
    Laramie, WY 82072
  • Laramie Investment Company

    104 S 5th St,
    Laramie, WY 82070,
  • Farmers Insurance - Christian Haglund

    1660 N 4th St Ste R,
    Laramie, WY 82072
  • Farmers Insurance - Andrea Senior

    2523 E Garfield St Ste E,
    Laramie, WY 82070
  • Scott McFarland - State Farm Insurance Agent

    1262 N 22nd St unit a,
    Laramie, WY 82072
View more

FAQs - Laramie, WY Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Laramie Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Laramie, Wyoming below:


Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Laramie drivers measure up to their fellow motorists across Wyoming in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.


Ford Focus

Most Popular Car in Laramie


City with the Most Speeding Tickets Rank in Wyoming


City with the Most Moving Violations Rank in Wyoming


City with the Most DUIs Rank in Wyoming


City with the Most Suspended Licenses in Wyoming

  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Laramie is the Ford Focus.

  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Laramie drivers rank in the number of DUI’s per driver across all cities in Wyoming.

    • Rank within state: #
    • Percent of drivers in Laramie with a DUI: {{percentDrivers}}%
    • Drivers in Laramie, WY with a DUI in their driving history pay on average {{overpay}}% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Wyoming, Laramie drivers rank in the number of speeding infractions per driver.

    • Rank within state: #
    • Percent of drivers in Laramie with a speeding ticket: {{percentDrivers}}%
    • Drivers in Laramie, WY with a speeding ticket in their driving history pay on average {{overpay}}% more than drivers with a clean record
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn

Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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