Compare Laramie, WY Car Insurance Rates (2021)

Car insurance in Laramie, WY averages $250 a month. Laramie, Wyoming car insurance requirements are 25/50/20, but you might need full coverage insurance if your car is financed. To find cheap Laramie car insurance rates, compare quotes from the top car insurance companies in Laramie, WY.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Laramie, WY after a DUI are $3,822/year
  • The cheapest ZIP code in Laramie is 82070
  • Average car insurance rates in Laramie, WY are $3,005/year

If you need to buy Laramie, Wyoming car insurance, the options can be confusing. Everything you need to know about car insurance in Laramie, WY is right here.

You’ll find Laramie car insurance rates, the cheapest Laramie, WY car insurance companies, and information on Wyoming car insurance laws. You can also compare Laramie, Wyoming car insurance rates to Casper car insurance rates, Laramie car insurance rates, and Sheridan car insurance rates.

Ready to find affordable Laramie, WY car insurance today? Enter your ZIP code for fast, free Laramie car insurance quotes.

Cheapest Laramie, WY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Laramie, WY car insurance rates? Every Laramie, Wyoming car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Laramie, Wyoming

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,533 $2,666 $2,128 $2,321 $8,628 $10,931 $2,825 $3,101
Farmers $2,228 $2,228 $2,095 $2,095 $4,041 $6,853 $2,311 $2,311
GEICO $2,769 $2,824 $2,679 $2,679 $4,987 $6,467 $3,076 $3,248
Liberty Mutual $1,352 $1,365 $1,112 $1,287 $3,736 $4,192 $1,479 $1,651
State Farm $1,500 $1,500 $1,290 $1,290 $4,019 $5,352 $1,563 $1,855
USAA $1,620 $1,626 $1,403 $1,473 $4,921 $6,078 $2,144 $2,430

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Minimum Car Insurance in Laramie, WY

Every driver must carry the minimum car insurance in Laramie, WY. Take a look at the Wyoming car insurance requirements.

Minimum Required Car Insurance Coverage in Laramie, Wyoming

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

Cheapest Laramie, WY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Laramie, WY. Compare credit history car insurance rates in Laramie from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Laramie, Wyoming

Insurance Company Poor Fair Good
Allstate $5,479 $4,158 $3,538
Farmers $3,239 $3,057 $2,765
GEICO $4,065 $3,456 $3,253
Liberty Mutual $2,303 $1,985 $1,777
State Farm $2,988 $2,117 $1,783
USAA $4,608 $2,070 $1,457

Cheapest Laramie, WY Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Laramie, WY to rates for a clean record with top companies.

Annual Laramie, Wyoming Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,793 $4,522 $4,844 $4,408
Farmers $2,290 $2,707 $4,656 $2,429
GEICO $2,353 $3,144 $4,918 $3,950
Liberty Mutual $1,442 $2,224 $2,415 $2,006
State Farm $2,127 $2,465 $2,296 $2,296
USAA $2,134 $2,585 $3,803 $2,326

Cheapest Laramie, WY Car Insurance for Teen Drivers

Teen car insurance in Laramie, WY can be expensive. Take a look at rates from the top car insurance companies in Laramie for teenagers.

Annual Car Insurance Rates for Teen Drivers in Laramie, Wyoming

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,628 $10,931
Farmers $4,041 $6,853
GEICO $4,987 $6,467
Liberty Mutual $3,736 $4,192
State Farm $4,019 $5,352
USAA $4,921 $6,078

Cheapest Laramie, WY Car Insurance for Seniors

Take a look at Laramie, WY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Laramie, Wyoming

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,128 $2,321
Farmers $2,095 $2,095
GEICO $2,679 $2,679
Liberty Mutual $1,112 $1,287
State Farm $1,290 $1,290
USAA $1,403 $1,473

Cheapest Laramie, WY Car Insurance Rates After a DUI

A DUI in Laramie, WY increases car insurance rates. Compare Laramie, Wyoming DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Laramie, Wyoming

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,844
Farmers $4,656
GEICO $4,918
Liberty Mutual $2,415
State Farm $2,296
USAA $3,803

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Cheapest Laramie, WY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Laramie, WY by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Laramie, Wyoming

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,288 $4,495
Farmers $3,020 $3,020
GEICO $3,534 $3,649
Liberty Mutual $2,022 $2,022
State Farm $2,215 $2,377
USAA $2,680 $2,743

Cheapest Laramie, WY Car Insurance Rates by ZIP Code

Laramie car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Laramie, WY.

Annual Car Insurance Rates by ZIP Code in Laramie, Wyoming

ZIP Code Average Annual Rates
82070 $3,005
82072 $3,005

The Best Cheap Car Insurance Companies in Laramie, WY

Take a look at a side-by-side comparison of the top car insurance companies in Laramie, WY to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Laramie, Wyoming

Insurance Company Average Annual Rates
Allstate $4,392
Farmers $3,020
GEICO $3,591
Liberty Mutual $2,022
State Farm $2,296
USAA $2,712

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Category Winners: Cheapest Car Insurance in Laramie, Wyoming

Find the cheapest car insurance companies in Laramie, WY for each category right here.

Best Annual Car Insurance Rates by Company in Laramie, Wyoming

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record Liberty Mutual
With 1 Accident Liberty Mutual
With 1 DUI State Farm
With 1 Speeding Violation Liberty Mutual

Cheapest Laramie, WY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Laramie car insurance rates. Find the cheapest Laramie, WY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Laramie, Wyoming

Insurance Company Low Medium High
Allstate $4,283 $4,383 $4,509
Farmers $2,946 $3,016 $3,099
GEICO $3,542 $3,594 $3,638
Liberty Mutual $1,912 $2,014 $2,139
State Farm $2,225 $2,297 $2,367
USAA $2,652 $2,710 $2,774

What affects car insurance rates in Laramie, Wyoming?

What factors can have an impact on Laramie, WY car insurance? There are several reasons why Laramie car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Laramie, Wyoming.

Car Theft in Laramie

High levels of vehicle theft can make car insurance more expensive. Laramie, WY car theft statistics from the FBI indicate 19 vehicle thefts a year.

Commute Time in Laramie

The more time you spend in your car the higher the risk of an accident. The average commute length in Laramie, WY is 27.6 minutes according to City-Data.

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Compare Car Insurance Quotes in Laramie, WY

Ready to find affordable Laramie, Wyoming car insurance today? Enter your ZIP code for fast, free Laramie, WY car insurance quotes.

Free Car Insurance Comparison

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