Buy Cheap Laramie, WY Auto Insurance (2021)

Laramie, WY auto insurance rates average $250 a month. Minimum auto insurance requirements in Laramie, Wyoming are 25/50/20 to comply with Wyoming laws. To buy cheap auto insurance in Laramie, WY, compare Laramie auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Laramie is Allstate
  • Average auto insurance rates in Laramie, WY are $250/month
  • Average auto insurance rates in Laramie, WY for teens drivers are $5,055/year

Finding affordable Laramie, Wyoming auto insurance can be challenging, but everything you need to know to buy cheap Laramie, WY auto insurance with confidence is right here. Auto insurance rates in Laramie are affected by local factors as well as personal ones like your driving record.

See how Laramie, WY car insurance rates compare to Cheyenne auto insurance rates, Gillette auto insurance rates, and Rawlins auto insurance rates before you read more about the cost of auto insurance in Laramie.

Don’t buy Laramie, WY auto insurance until you’ve compared rates. Get free Laramie, Wyoming auto insurance quotes when you enter your ZIP code above.

Laramie, WY Minimum Auto Insurance Requirements

The required auto insurance in Laramie, WY is 25/50/20 according to the auto insurance laws in Wyoming. The minimum auto insurance in Laramie, Wyoming is outlined here.

Minimum Required Auto 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

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Find Cheap Laramie, WY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Laramie, WY. Take a look at Laramie, Wyoming auto insurance rates by credit history.

Annual Auto 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

Buy Cheap Laramie, WY Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Laramie, Wyoming auto insurance rates? Find out how car insurance rates in Laramie, WY are impacted by demographics.

Annual Auto 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

Buy Cheap Laramie, WY Auto Insurance for Teen Drivers

Auto insurance for teenagers in Laramie can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Laramie, WY are listed here.

Annual Auto 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

Buy Cheap Laramie, WY Auto Insurance for Seniors

You can save on senior auto insurance rates in Laramie, Wyoming by comparing Laramie senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Laramie, WY here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Laramie, WY by Coverage Level

The amount of coverage you choose is a big factor in the cost of Laramie, Wyoming auto insurance. Compare Laramie, WY auto insurance rates by coverage level.

Annual Auto 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

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Find Cheap Laramie, WY Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Laramie. Compare auto insurance rates in Laramie, WY by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Laramie, WY Auto Insurance Rates by ZIP Code

Auto insurance rates in Laramie, Wyoming can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Laramie, WY to see how much where you live in Laramie affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Laramie, Wyoming

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

Find Cheap Laramie, WY Auto Insurance Rates by Driving Record

Auto insurance rates in Laramie, Wyoming are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Laramie, WY, take a look at the average cost for various violations versus rates for a clean driving record in Laramie.

Annual Laramie, Wyoming Auto 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

Find Cheap Laramie, WY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Laramie, Wyoming is higher than for a clean driving record. You can buy auto insurance after a DUI in Laramie for less when you shop around and compare rates from multiple Laramie, WY auto insurance companies.

Annual Auto Insurance Rates After a DUI in Laramie, Wyoming

Insurance Company Annual Auto 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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Winners by Category: Where to Buy Cheap Auto Insurance in Laramie, WY

Compare rates from the cheapest auto insurance companies in Laramie, WY for your needs. Take a look at how Laramie, Wyoming auto insurance companies stack up for each category.

Best Annual Auto 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

Find Cheap Laramie, Wyoming Auto Insurance Companies

If you’re looking for the cheapest Laramie, WY auto insurance companies overall, you can compare them here. Find the best price for Laramie, Wyoming car insurance by company.

Average Annual Auto 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

What affects Laramie, Wyoming auto insurance rates?

Local factors affect auto insurance rates in Laramie, WY, including traffic, theft statistics, and commute length. Take a look at the things that impact Laramie auto insurance rates.

Auto Theft in Laramie

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Laramie, WY auto theft show a total of 19 vehicle thefts annually.

Commute Times in Laramie

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Laramie, WY is 27.6 minutes according to City-Data.

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Compare Auto Insurance Quotes in Laramie, WY

You can buy cheap Laramie, WY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Laramie, Wyoming auto insurance quotes from top companies.

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