Best car insurance in Cheyenne, WY (2024)

The average cost of full coverage car insurance in Cheyenne, WY is $1,443 a year, slightly lower than the national average in the U.S.

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Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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A full coverage car insurance policy in Cheyenne costs an average of $1,443 per year, just a few dollars more than the Wyoming state average of $1,394 per year. But the average rate is just that — average. Car insurance rates can vary widely based on a number of factors, including your ZIP code, driving history, and credit score.

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We took a look at the cheapest car insurance companies in Cheyenne for drivers looking to buy full-coverage car insurance and found that the companies with the lowest average rates are American National, USAA, State Farm, GEICO, and Farmers.

Key takeaways

  • American National is the cheapest car insurance company in Cheyenne.

  • USAA is also a cheap option for insurance in Cheyenne, but it’s only for military drivers and their families.

  • Cheyenne drivers need to buy at least $25,000 person/$50,000 accident in bodily image liability coverage and $20,000 in property damage liability coverage.

Cheapest car insurance companies in Cheyenne, WY

Cheyenne drivers looking to buy car insurance will be able to find their best rates by shopping around and comparing quotes from different companies. Since car insurance rates are based on things like your driving history, age, and how much coverage you buy, the cheapest company for one driver won’t be the cheapest for every driver in Cheyenne.

But it’s a good idea to start with the companies that tend to have lower rates. Here are the five cheapest car insurance companies in Cheyenne based on the average annual cost of a full-coverage policy.

Insurance company

Average annual premium

American National

$729

USAA

$780

State Farm

$1,224

GEICO

$1,343

Farmers

$1,500

Cheapest car insurance rates by ZIP code in Cheyenne, WY

Your ZIP code is used to determine risk based on things that happen in your neighborhood. The amount of on-street parking, number of stolen cars, and the number of accidents and traffic tickets issued in your ZIP code can all affect your car insurance rates.

Here are the cheapest ZIP codes for car insurance in Cheyenne:

ZIP code

Average annual premium

82001

$1,443

82007

$1,441

82009

$1,443

Choosing the right car insurance company in Cheyenne, WY

Finding the right car insurance company for your needs in the state of Wyoming can be complicated, but there are a few big things to consider if you’re a Cheyenne driver looking for cheap coverage:

Price: Getting quotes from multiple companies is the best way to get the cheapest possible rate on your car insurance.

Coverage: More coverage and higher limits mean better protection, but that extra coverage comes at a price. Figure out exactly how much coverage you need so you aren’t under-or-over insured.

Customer service: A low price is important, but so is having a good customer service experience. Make sure to look up reviews of companies, including customer service and claims satisfaction ratings, before buying a policy.

Policygenius makes it easy to compare policies so you can get the right coverage for your needs.

Car insurance rates for drivers with driving violations in Cheyenne, WY

A bad driving record will have a big impact on how much you pay for your car insurance, and the more serious the infraction, the more you’ll pay for coverage. It will be hard to find very cheap coverage if you don’t have a good driving record, but if you avoid future accidents and violations your rates will go back to normal eventually.

We found that State Farm is the cheapest company for drivers in Cheyenne with a DUI on their records, and USAA is the cheapest insurance for drivers with an at-fault accident. Here are the average rates for drivers with driving violations in Cheyenne from the five cheapest companies:

Violation

American National

GEICO

Farmers

State Farm

USAA

At-fault accident

$1,360

$2,082

$1,815

$1,453

$1,056

Driving with a suspended license

$1,644

$1,387

$3,101

$1,343

$1,468

Driving with an open container

$1,360

$1,387

$1,540

$1,343

$1,178

Driving with expired registration

$1,158

$1,387

$1,540

$1,343

$957

Driving without lights

$1,158

$1,387

$1,632

$1,343

$847

DUI

$1,552

$3,554

$3,101

$1,343

$1,554

Failure to stop at a red light

$1,158

$1,387

$1,632

$1,343

$957

Following too closely

$1,158

$1,387

$1,632

$1,343

$957

Hit and run

$1,644

$3,554

$3,101

$1,343

$1,637

Not-at-fault Accident

$768

$1,387

$1,540

$1,234

$915

Passing a school bus

$1,158

$1,387

$1,632

$1,343

$1,178

Reckless driving

$1,644

$2,751

$3,101

$1,343

$1,275

Speeding ticket

$1,158

$2,751

$1,632

$1,343

$957

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Cheapest car insurance for drivers with bad credit in Cheyenne, WY

Wyoming allows car insurance companies to consider your credit score when setting your insurance rates, which is why it’s so important for Cheyenne drivers with poor or bad credit scores to shop around and compare quotes before they buy a policy. 

We found that American National is the cheapest insurance in Cheyenne for drivers with bad credit. Here’s how much Cheyenne drivers with bad credit will pay for car insurance (on average) from the five cheapest companies:

Insurance company

Average annual premium

American National

$833

USAA

$1,151

State Farm

$1,384

GEICO

$1,439

Farmers

$1,602

Buying car insurance in Cheyenne, WY

All drivers in Cheyenne need to buy the minimum amount of car insurance required by the state of Wyoming. The minimum coverage required by the state is:

  • $25,000 for bodily injury per person/$50,000 per accident

  • $20,000 for property damage liability per accident

The Wyoming state minimum amount of car insurance is the least amount of coverage you can buy to drive legally in Cheyenne. But, while getting the lowest-amount of coverage may be a very cheap option, most drivers will need higher levels of coverage to make sure they are financially protected in an accident.

How to get cheap car insurance in Cheyenne, WY

Car insurance can be expensive, so make sure you’re taking every opportunity to save on coverage. The best way to find cheap car insurance in Cheyenne is to follow these simple steps for saving.

  • Drive safely: Do your best to avoid accidents and speeding tickets to avoid higher rates and earn a safe driver discount from your insurance company.

  • Compare quotes: Get multiple quotes before you buy so you can compare car insurance companies and be sure you’re getting the best possible rate.

  • Take advantage of discounts: Cheyenne drivers who are members of the military,, good students, or belong to a range of professional groups could get lower rates, depending on the company.

  • Bundle policies: If you have a home, condo, or boat insurance policy, bundling your policies with the same insurance company could save you a lot of money.

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

Frequently asked questions

How much is car insurance per month in Wyoming?

The average premium for a full coverage policy in Wyoming is $116 per month, but some companies have much cheaper average rates.

How do I compare car insurance quotes in Cheyenne?

Policygenius makes it easy to compare car insurance companies online so you can choose the cheapest option — no matter where you live.

Is auto insurance high in Wyoming?

No, car insurance rates in Wyoming cost an average of $1,394 per year, which is less than the national average.

Which company has the cheapest car insurance in Cheyenne?

According to our research, American National has the cheapest car insurance rates in Cheyenne at $61 per month, or $729 per year.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: $50,000/$100,000

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000/$100,000

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by the state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Author

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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