Cheapest Auto Insurance in Casper, Wyoming (2024)
Casper drivers can find the best car insurance with Safeco, Progressive, and Dairyland.
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Written byNick Dauk
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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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Edited byDanny Smith
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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 October 30, 2024
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Table of contents
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 $158 and on par with the state average of $124.
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 Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Safeco | 8.3 | $114 | $42 | Liability coverage |
| Progressive | 8.4 | $111 | $45 | Full coverage |
| Dairyland | 7.0 | $150 | $54 | Customer 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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability coverage: Safeco
SafecoCompare personalized, real-time quotes
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3/10 |
| 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. | $63/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. | $145/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 more driver reviews of Safeco
Barbara - October 28, 2024
Verified
Insurance Keeps Going Up
Please stop raising prices.
Carlotta - October 24, 2024
Verified
Excellent
They handled everything very smoothly.
Shirley - October 22, 2024
Verified
My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.
My insurance has become so expensive that I can't afford it. I'm on Social Security. Both my car and house insurance have about doubled. I'm just trying to find something I can afford.
…
Best insurer for full coverage: Progressive
ProgressiveCompare personalized, real-time quotes
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 819 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
| 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. | $79/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. | $138/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 more driver reviews of Progressive
Denise - October 29, 2024
Verified
Awesome!
I haven't had any problems with the company. I am pleased with the work they do.
Priscilla - October 29, 2024
Verified
They Increased My Insurance Payment from $117 a Month to $199 a Month
They are very inconsiderate.
Lisa - October 29, 2024
Verified
Disappointed
They were good until they doubled my monthly payment. My deductible also went up to $1000. At that price, I can fix my vehicle on my own.
…
Best insurer for customer service: Dairyland
DairylandCompare personalized, real-time quotes
| User Reviews | 3.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0/10 |
| 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. | $51/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. | $145/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 more driver reviews of Dairyland
Doris - October 29, 2024
Verified
They Keep Raising My Rates
They are okay.
Megan - October 28, 2024
Verified
Average
I was treated poorly when I was involved in an accident.
Ray - October 28, 2024
Verified
Meh
If you're looking for another policy, consider this one. I've tried to sign in with my policy and have never been able to, but I stick with it because the price is reasonable.
…
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 Company ▲▼ | Average 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 Company ▲▼ | Average 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.
Cheapest recent rates near Casper, Wyoming
Drivers in and around Casper, Wyoming have found policies from Foremost, Bristol West, Safeco, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Casper, Wyoming within the last 10 days. Last updated on October 30, 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 October 30, 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 October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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]
Coverage ▲▼ | Minimum 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:
Collision coverage
Collision insurance covers a loss when your car collides with a vehicle or an object like a curb, pothole, or phone pole.
Comprehensive coverage
Comprehensive insurance covers non-collision damages from events like severe weather, animal activity, and vandalism.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you in the event that an uninsured or underinsured motorist hits you.
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 Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With 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.
Age ▲▼ | Average 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
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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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 $158 and similar to the state average of $124.
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
- 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.
Related articles
More cities in Wyoming
Sources
- Wyoming Department of Transportation. "Frequently Asked Questions."
- Wyoming Department of Transportation. "Wyoming Report on Traffic Crashes."
- Wyoming Department of Insurance. "Insurance Topics."
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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.
Edited byDanny 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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