The price of an apartment in Wyoming is vastly different from the price in New York, so why would car insurance rates be any different? Different states have different price tags for auto coverage, so your best bet is to get a personalized quote.
Compare the Cheapest Car Insurance Quotes in Cheyenne, WY
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Average Cost of Car Insurance in Cheyenne
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.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Cheap Car Insurance Companies in Cheyenne
MetLife and Farmers share the distinction of having the most expensive auto insurance policies in Cheyenne. State Farm is on the other end of the spectrum as the most affordable car insurance provider in the city, with average rates around $125 lower than the typical citywide rate.
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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.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Cheyenne by Coverage Amount
How much car insurance coverage you purchase in Cheyenne also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
Visit these guides to learn more:
Wyoming Minimum Liability Requirements
- ItemDescription
- 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 by Coverage Type
Liability Only
Full Coverage
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Cheyenne if You Have Tickets
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 $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.
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 CodeState Minimumper year
- 82007$850
- 82001$852
- 82009$852
Insurance Providers That Serve Cheyenne
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.
Shopping around for car insurance in Cheyenne could save you $125, which is enough to buy:
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.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

About the Author
The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.