Average car insurance cost in Cheyenne
The average cost of full coverage car insurance in Cheyenne is $1,878 per year, or about $157 per month. This rate is based on 100/300/100 liability limits and $500 deductibles. State minimum insurance averages $322 annually but offers substantially less coverage.
The required state minimum liability limits are 25/50/20. A minimum-coverage policy pays for injuries or property damage you cause to others, up to the policy limits. It does not include comprehensive or collision insurance for damage to your own car.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $939 |
| Average annual premium | $1,878 |
| State minimum premium | $322 |
Cheapest car insurance companies in Cheyenne
American National offers the cheapest full coverage car insurance in Cheyenne at $784 per year. State Farm has the next-lowest average rate. Since insurance companies use different pricing methods, the most affordable carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. varies significantly from one driver to another.
Your location, driving record, vehicle, selected limits, and insurance company all influence your premium. When comparing insurers, request quotes with matching coverage limits and deductibles to ensure the price comparison is accurate.
Below are the companies that offer cheap car insurance to drivers in Cheyenne.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| American National | $392 | $784 |
| State Farm | $811 | $1,622 |
| Farmers | $843 | $1,685 |
| GEICO | $1,442 | $2,883 |
| Allstate | $1,572 | $3,143 |
| USAA | $577 | $1,154 |
Cheapest car insurance cost in Cheyenne by age group
The cheapest car insurance company in Cheyenne varies by age because insurers price policies in part based on driving experience and expected claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. risk. American National is cheapest for teens, American National for young adults, American National for adults, and American National for seniors in our rate analysis.
Take a look at the cheapest companies in Cheyenne by age group:
- Cheapest for teens: American National
- Cheapest for young adults: American National
- Cheapest for adults: American National
- Cheapest for seniors: American National
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. American National offers the cheapest car insurance for teens at $2,577 per year.
American National offers the most affordable auto insurance for young adults at $1,208 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.
Adult drivers pay the lowest car insurance premiums because they have more driving experience and a lower risk of accidents. American National provides the lowest car insurance rates at $726 per year for adult drivers in Cheyenne.
American National offers the least expensive car insurance for senior drivers in Cheyenne, at $843 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| American National | $2,577 | $1,208 | $726 | $843 |
| State Farm | $4,627 | $2,725 | $1,575 | $1,460 |
| Farmers | $4,158 | $3,186 | $1,666 | $1,769 |
| GEICO | $6,985 | $4,443 | $2,847 | $3,524 |
| Allstate | $9,832 | $4,812 | $3,113 | $3,131 |
| USAA | $3,479 | $1,798 | $1,167 | $1,141 |
Cheapest car insurance companies in Cheyenne by driver profile
The cheapest car insurance provider in Cheyenne varies based on driving history and credit-based insurance information. American National has the lowest rate after an at-fault accident, American National after a DUI, and American National after a speeding ticket. Shopping around becomes particularly valuable after a violation.
Below are some of the cheapest car insurance companies in Cheyenne by driver profile.
- Cheapest for poor credit: American National
- Cheapest for an at-fault accident: American National
- Cheapest for a DUI: American National
- Cheapest for a driver with a speeding ticket: American National
Cheapest for a driver with poor credit: American National
American National is the most affordable car insurance for drivers with poor credit. On average, drivers in Cheyenne pay about $1,118 per year for it.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Cheyenne.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| American National | $559 | $1,118 |
| State Farm | $1,345 | $2,690 |
| Farmers | $1,460 | $2,920 |
| GEICO | $1,982 | $3,964 |
| Allstate | $2,394 | $4,788 |
| USAA | $1,682 | $3,363 |
Cheapest auto insurance after an at-fault accident: American National
In Cheyenne, American National offers the cheapest car insurance for drivers with an at-fault accident at $1,348 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Cheyenne.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| American National | $674 | $1,348 |
| State Farm | $953 | $1,907 |
| Farmers | $1,192 | $2,384 |
| Allstate | $2,157 | $4,313 |
| GEICO | $2,165 | $4,330 |
| USAA | $732 | $1,464 |
Cheapest auto insurance after a DUI: American National
American National offers the cheapest average car insurance after a first-offense DUI/DWI in Cheyenne, with a rate of $1,532 per year. A DUI will cause a major premium increase because insurers classify the driver as a higher risk, but shopping around can help you find lower rates.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Cheyenne.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| American National | $766 | $1,532 |
| State Farm | $883 | $1,765 |
| Farmers | $1,879 | $3,758 |
| Allstate | $1,948 | $3,895 |
| GEICO | $3,697 | $7,393 |
| USAA | $1,051 | $2,102 |
Cheapest for drivers with a speeding ticket: American National
American National offers the cheapest car insurance at $1,156 in Cheyenne for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies that offer affordable auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| American National | $578 | $1,156 |
| State Farm | $883 | $1,765 |
| Farmers | $1,207 | $2,415 |
| Allstate | $1,797 | $3,593 |
| GEICO | $2,861 | $5,722 |
| USAA | $653 | $1,306 |
Car insurance discounts for Cheyenne drivers
The largest available car insurance discount in Cheyenne is Student Away At School, which provides average savings of 51% through State Farm. Savings and eligibility vary by insurer, but drivers may also qualify for safe-driving, good-student, bundling, vehicle-safety, and payment-related discounts.
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Here are some of the car insurance discounts insurers offer to Cheyenne drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | American National | $827 | $815 | 1% | $12 |
| Air Bags | Farmers | $1,623 | $1,614 | 1% | $9 |
| Anti-Theft Device | GEICO | $3,211 | $3,133 | 2% | $78 |
| Comp and Coll Deductibles | American National | $827 | $672 | 19% | $155 |
| Comp and Coll Deductibles | Farmers | $1,623 | $1,405 | 13% | $218 |
| Comp and Coll Deductibles | State Farm | $1,641 | $1,430 | 13% | $211 |
| Comp and Coll Deductibles | Allstate | $3,159 | $2,582 | 18% | $577 |
| Daily Commute | American National | $827 | $784 | 5% | $42 |
| Daily Commute | State Farm | $1,641 | $1,576 | 4% | $65 |
| Daily Commute | GEICO | $3,211 | $2,996 | 7% | $215 |
| Days Advanced Purchase | Allstate | $3,159 | $2,608 | 17% | $551 |
| Days Per Week Driven | State Farm | $1,641 | $1,576 | 4% | $65 |
| Days Per Week Driven | GEICO | $3,211 | $2,996 | 7% | $215 |
| Electronic Funds Transfer | Farmers | $1,623 | $1,434 | 12% | $189 |
| Electronic Funds Transfer | Allstate | $3,159 | $2,967 | 6% | $192 |
| Homeowner | Allstate | $3,159 | $3,021 | 4% | $138 |
| Lower Annual Mileage | Allstate | $3,159 | $3,021 | 4% | $138 |
| Lower Annual Mileage | GEICO | $3,211 | $3,069 | 4% | $142 |
| Loyalty - Years Renewal With Company | State Farm | $1,641 | $1,497 | 9% | $144 |
| Marital Status | Farmers | $1,623 | $1,425 | 12% | $198 |
| Marital Status | GEICO | $3,211 | $2,996 | 7% | $215 |
| Marital Status | Allstate | $3,159 | $3,020 | 4% | $138 |
| Multi Policy | Farmers | $1,623 | $1,339 | 18% | $284 |
| Multi Policy | State Farm | $1,641 | $1,460 | 11% | $181 |
| Multi Policy | Allstate | $3,159 | $2,986 | 5% | $173 |
| Paperless/Electornic Documents | Allstate | $3,159 | $2,884 | 9% | $275 |
| Payment Type | Farmers | $1,623 | $1,462 | 10% | $161 |
| Payment Type | Allstate | $3,159 | $2,800 | 11% | $359 |
| Primary Use | American National | $827 | $664 | 20% | $163 |
| Primary Use | State Farm | $1,641 | $1,512 | 8% | $129 |
| Primary Use | Allstate | $3,159 | $2,946 | 7% | $213 |
| Primary Use | GEICO | $3,211 | $2,996 | 7% | $215 |
| Safety Devices | Farmers | $1,623 | $1,567 | 3% | $56 |
| Safety Devices | Allstate | $3,159 | $2,946 | 7% | $213 |
| Safety Devices | GEICO | $3,211 | $3,146 | 2% | $65 |
| Years Insured | American National | $827 | $446 | 46% | $380 |
| Years Insured | Farmers | $1,623 | $1,046 | 36% | $577 |
| Years Insured | Allstate | $3,159 | $2,632 | 17% | $527 |
| Anti-Theft Device | USAA | $1,441 | $1,355 | 6% | $86 |
| Lower Annual Mileage | USAA | $1,441 | $1,396 | 3% | $45 |
| Loyalty - Years Renewal With Company | USAA | $1,441 | $1,412 | 2% | $29 |
| Marital Status | USAA | $1,441 | $1,321 | 8% | $120 |
| Primary Use | USAA | $1,441 | $1,254 | 13% | $187 |
| Safety Devices | USAA | $1,441 | $1,422 | 1% | $19 |
How to get cheap car insurance in Cheyenne in 2025
To get cheap car insurance in Cheyenne in 2026, compare at least three quotes for the same coverage, ask about every available discount and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. you can afford. Maintaining a clean driving record, selecting a lower-cost vehicle to insure, and reviewing coverage at renewal can also reduce premiums.
Find affordable car insurance in Cheyenne by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Cheyenne.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Cheyenne
How much does car insurance cost in Cheyenne?
Car insurance costs an average of $1,878 per year or about $157 per month for full coverage in Cheyenne. This average is based on 100/300/100 liability limits with $500 deductibles.Your price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in WY?
No, you don't legally need full coverage in WY, but you're required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Cheyenne?
You can reduce your car insurance costs in Cheyenne by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
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