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.
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.
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 |
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.
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.
