Compare the Cheapest Car Insurance Quotes in Cheyenne, WY

Cheyenne drivers pay an average of $851 per year for car insurance, which is the same as the statewide average. The cheapest widely available insurance company is State Farm, with an average cost of $726 per year. MoneyGeek also studied the cheapest insurers based on driving history and the coverage amount, so drivers focused on cost and quality find an insurer that fits their profile.

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The Cheapest and Best Car Insurance in Cheyenne

The Cheapest Car Insurance Companies in Cheyenne

The most affordable insurance companies in Cheyenne for a full coverage policy are:

  • USAA: $506 per year (limited to current and former military personnel)
  • State Farm: $726 per year

The costs used in this study represent a 40-year-old male driver whose full coverage policy comprises liability coverage and comprehensive and collision insurance.

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Average Cost of Car Insurance in Cheyenne

Cheyenne$851
Wyoming$851
U.S.$1,424

With an average annual rate of $851, car insurance in Cheyenne is much more affordable than in major cities such as Chicago, New York and Seattle. Drivers in Cheyenne (and the rest of Wyoming) typically pay 40.2% less than the national average of $1,424.

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The Best Car Insurance Companies in Cheyenne

MoneyGeek rated the best insurance providers in Cheyenne to help drivers looking for quality and affordable coverage find the cheapest option that suits their needs.

Based on the scores, the best car insurance carriers in the city for most drivers are:

  • Hartford: MoneyGeek score of 93 out of 100
  • GEICO: MoneyGeek score of 85 out of 100

USAA received the highest score in Cheyenne by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

To calculate the scores, MoneyGeek analyzed various factors, including affordability, financial stability and user satisfaction ratings from J.D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Hartford
Score:93

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
GEICO
Score:85

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

6
Farmers
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

8
Safeco
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:78

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

10
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Cheyenne

Car insurance companies utilize a number of factors to determine a driver’s risk level. Some of these factors are your credit score, your age and your driving record. Regular evaluations of the rates available to you will help you get the most accurate rate available.

Shopping around for car insurance in Cheyenne could save you $125, which is enough to buy:


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42Cups of Coffee
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10Months of Your Favorite Streaming Service

Cheapest Car Insurance in Cheyenne by Coverage Amount

In Cheyenne and elsewhere, several factors determine the cost of your car insurance, including the amount of coverage purchased. For example, the minimum liability coverage costs $303 on average per year. On the other hand, a full coverage policy costs an average of $851 per year. That’s a difference of $548.

Wyoming Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $20,000 for property damage. A more protective level is 100/300/100.

You will often see the numbers 50/100/50 (or, in some cases, 100/300/100) when examining car insurance policies; these figures are in reference to coverage of single-person bodily injury, total bodily injury per vehicle and property damage, respectively.

Let’s say you get into an accident and you have a 100/300/100 full-coverage policy. Your policy will cover up to $100,000 for medical bills from one person’s injury, $300,000 for each vehicle and another $100,000 for property damage.

With State Farm, you will pay just $43 more per year on average for 100/300/100 full-coverage insurance compared to a 50/100/50 full-coverage policy, so the added coverage is likely worth it.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Cheyenne if You Have Driving Violations

Moving violations on your driving record affect more than whether or not you can continue to drive or renew your license; they also affect the rate companies will charge you. For example, GEICO charges an average of $822 for drivers with no violations but an average of $2,098 for those with DUIs on their record. They also charge $1,625 per year on average if you have speeding tickets and $1,232 if you have at-fault accidents.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1.
    USAA
    $567
    $643
    $920
  • 2.
    State Farm
    $790
    $855
    $790
  • 3.
    Allstate
    $934
    $1,082
    $1,018
  • 4.
    Farmers
    $1,012
    $1,160
    $2,193
  • 5.
    MetLife
    $1,213
    $1,362
    $2,109
  • 6.
    GEICO
    $1,625
    $1,232
    $2,098

Average Cost of Car Insurance by Postal Code

While your ZIP code can play a role in the cost of your auto insurance in many cities, this is not the case for Cheyenne. With a difference of $2 between the most affordable and most expensive premiums in the area, you will get a similar price no matter which ZIP code you reside in.

  • Zip Code
    State Minimumper year
  • 82007
    $850
  • 82001
    $852
  • 82009
    $852

Factors That Impact Insurance Costs in Cheyenne

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Cheyenne. How Cheyenne ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities135th/300
handcuffs2 icon
Most Car Thefts109th/300
uninsured icon
Most Uninsured Motorists by State41st/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall225th/300
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Most Rainy Days156th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Cheyenne are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.