Cheap Quotes for Cheyenne, WY Car Insurance (2021)

Cheyenne, Wyoming car insurance rates average $244 a month and Wyoming law requires coverage of at least 25/50/20. By comparing rates from multiple Cheyenne, WY companies, you can find cheap Cheyenne car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Cheyenne, WY for senior drivers are $1,762/year
  • The cheapest car insurance company in Cheyenne is Liberty Mutual
  • Average car insurance rates in Cheyenne, WY are $244/month

How do the Cheyenne, Wyoming monthly average car insurance rates of $244/month compare to nearby cities like Laramie car insurance rates, Gillette car insurance rates, and Sheridan car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Cheyenne, WY.

We’ll cover the Wyoming minimum coverage requirements, Wyoming car insurance laws, and Cheyenne, WY statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Cheyenne, Wyoming companies to find the most affordable Cheyenne car insurance rates.

Enter your ZIP code above to find cheap Cheyenne, WY car insurance quotes today.

What are the minimum Cheyenne, WY car insurance requirements?

To meet Wyoming minimum car insurance coverage requirements, Cheyenne, WY drivers need to carry at least 25/50/20 coverage.

Minimum Required Car Insurance Coverage in Cheyenne, 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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Average Cheyenne, WY Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Cheyenne, WY you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Cheyenne, Wyoming

ZIP Code Average Annual Rates
82001 $2,931
82007 $2,923
82009 $2,931

How do age, gender, and marital status affect Cheyenne, WY car insurance rates?

Three of the criteria that most affect car insurance rates in Cheyenne, Wyoming are age, gender, and marital status. Let’s take a look at how each of these stack up with top Cheyenne car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cheyenne, 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 $2,548 $2,681 $2,141 $2,336 $8,728 $11,069 $2,840 $3,116
Farmers $2,352 $2,352 $2,211 $2,211 $4,282 $7,439 $2,439 $2,439
GEICO $2,511 $2,560 $2,428 $2,428 $4,638 $6,000 $2,792 $2,936
Liberty Mutual $1,326 $1,342 $1,093 $1,272 $3,860 $4,332 $1,470 $1,644
State Farm $1,509 $1,509 $1,298 $1,298 $4,043 $5,384 $1,573 $1,866
USAA $1,359 $1,364 $1,186 $1,242 $4,163 $5,120 $1,797 $2,036

How much do teen drivers pay for car insurance in Cheyenne, WY?

Cheyenne, Wyoming car insurance rates for teens are often higher than rates for other drivers. Compare Cheyenne car insurance rates from multiple Cheyenne, Wyoming car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Cheyenne, Wyoming

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,728 $11,069
Farmers $4,282 $7,439
GEICO $4,638 $6,000
Liberty Mutual $3,860 $4,332
State Farm $4,043 $5,384
USAA $4,163 $5,120

How much do senior drivers pay for car insurance in Cheyenne, WY?

With a little research, seniors can find affordable car insurance in Cheyenne, Wyoming. Here’s a look at how the top Cheyenne car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Cheyenne, Wyoming

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,141 $2,336
Farmers $2,211 $2,211
GEICO $2,428 $2,428
Liberty Mutual $1,093 $1,272
State Farm $1,298 $1,298
USAA $1,186 $1,242

How does coverage level affect Cheyenne, WY car insurance rates?

How much coverage do you need? Are you comfortable with the Wyoming minimum of 25/50/20 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Cheyenne, WY car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Cheyenne, Wyoming

Insurance Company Low Medium High
Allstate $4,316 $4,424 $4,558
Farmers $3,119 $3,211 $3,318
GEICO $3,231 $3,291 $3,339
Liberty Mutual $1,925 $2,034 $2,169
State Farm $2,228 $2,311 $2,391
USAA $2,212 $2,281 $2,357

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How does your driving record affect Cheyenne, WY car insurance rates?

Safe driving pays off. The more traffic violations you have in Cheyenne, WY, the higher your car insurance rates will be. Compare rates based on driving infractions from top Cheyenne, Wyoming companies.

Annual Cheyenne, Wyoming Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,827 $4,564 $4,891 $4,448
Farmers $2,432 $2,880 $4,970 $2,581
GEICO $2,165 $2,881 $4,489 $3,612
Liberty Mutual $1,444 $2,251 $2,452 $2,023
State Farm $2,120 $2,501 $2,310 $2,310
USAA $1,788 $2,175 $3,223 $1,947

How does a DUI affect Cheyenne, WY car insurance rates?

With even one DUI on your record, you can see an increase in your Cheyenne, WY car insurance rates.

Annual Car Insurance Rates After a DUI in Cheyenne, Wyoming

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,891
Farmers $4,970
GEICO $4,489
Liberty Mutual $2,452
State Farm $2,310
USAA $3,223

How does your credit history affect Cheyenne, WY car insurance rates?

Take a look at the data here to see how your Cheyenne, Wyoming car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Cheyenne, Wyoming

Insurance Company Poor Fair Good
Allstate $5,531 $4,197 $3,570
Farmers $3,449 $3,255 $2,944
GEICO $3,720 $3,163 $2,977
Liberty Mutual $2,329 $2,003 $1,795
State Farm $3,006 $2,130 $1,794
USAA $3,834 $1,762 $1,254

How does your commute affect Cheyenne, WY car insurance rates?

Cheyenne, WY car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Wyoming can be seen here. Remember, though, that you may have to carry substantially more car insurance in Cheyenne if you’re financing.

Annual Car Insurance Rates by Commute Length in Cheyenne, Wyoming

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,328 $4,537
Farmers $3,216 $3,216
GEICO $3,234 $3,339
Liberty Mutual $2,043 $2,043
State Farm $2,229 $2,391
USAA $2,257 $2,310

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Who has the cheapest Cheyenne, WY car insurance rates?

Here’s a breakdown of Cheyenne, Wyoming car insurance rates by company. You can see which company offers the cheapest Cheyenne car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Cheyenne, Wyoming

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record Liberty Mutual
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

What are the top Cheyenne, WY car insurance companies?

Which Cheyenne, Wyoming car insurance company will best fit your needs and budget? Check out this comparison of the top Cheyenne companies to find the one for you.

Average Annual Car Insurance Rates by Company in Cheyenne, Wyoming

Insurance Company Average Annual Rates
Allstate $4,432
Farmers $3,216
GEICO $3,287
Liberty Mutual $2,043
State Farm $2,310
USAA $2,283

What factors affect Cheyenne, WY car insurance rates?

Why are Cheyenne, Wyoming car insurance rates different than rates in Laramie or Gillette? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Cheyenne, WY?

FBI statistics show that the Cheyenne, Wyoming car theft rate is 216 thefts each year. High theft rates can lead to higher than average Cheyenne, WY car insurance rates.

How long is the average commute in Cheyenne, WY?

More time spent behind the wheel can lead to higher Cheyenne, Wyoming car insurance rates. In Cheyenne, WY, the average commute length is 14.3 minutes.

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Car Insurance Quotes for Cheyenne, WY

Shop for affordable Cheyenne, Wyoming car insurance rates today. Enter your ZIP code to compare quotes from multiple Cheyenne, WY car insurance companies.

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