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Cheapest car insurance in Cheyenne, Wyoming (Sep 2024)
Cheapest car insurance in Cheyenne, Wyoming (Sep 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Cheyenne, Wyoming.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- Cheapest Car Insurance Quotes in Cheyenne
- Best Car Insurance Companies in Cheyenne
- Best cheap car insurance quotes in Cheyenne
- Car insurance quotes in Cheyenne by rating factors
- How do different factors impact your car insurance costs in Cheyenne?
- Cheap car insurance quotes in Cheyenne after driving violations
- Cheap car insurance quotes in Cheyenne by age
- Cheap car insurance quotes in Cheyenne based on insurance history
- Cheap car insurance quotes in Cheyenne for popular cars
- Car insurance cost for new vs. old car
- How to lower car insurance costs in Cheyenne
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
Cheapest Car Insurance Quotes in Cheyenne
On average, auto insurance in Cheyenne costs about $60 per month for minimum coverage liability insurance and about $152 per month for full coverage insurance. Cheyenne drivers pay 23% less than the average.
While it would make insurance shopping much more straightforward, there’s not a single
car insurance
company that offers the cheapest rate for every single driver. That’s why comparing car insurance quotes
online is one of the easiest ways to find Cheyenne’s most affordable car insurance rates.Jerry
Insurance Agency makes this process easy—and if you find the coverage you’re looking for at the right rate, we can even help you switch to your new policy.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $132 | Ralph, 37 Zip: 82007 | KIA Sportage LX | • State Minimum Liability • Comp / Collision |
| Safeco | $98 | Clayton, 38 Zip: 82001 | KIA Sorento LX | • 100,000/300,000 Liability • Comp / Collision |
| Nationwide | $98 | Jeff, 40 Zip: 82001 | Chevrolet Traverse LT | • State Minimum Liability • Comp / Collision |
Clearcover | $82 | Eula, 48 Zip: 82007 | Nissan Rogue Sport S | • State Minimum Liability • Comp / Collision |
| Dairyland | $76 | Darrell, 24 Zip: 82001 | Ford Escape SE | • State Minimum Liability |
Last Updated Sep 15, 2024Best Car Insurance Companies in Cheyenne
At Jerry, we wanted to learn which car insurance providers offered the cheapest rates in Cheyenne, Wyoming—so we conducted the largest insurance shopping survey in the country.
We talked to more than 16,000 policyholders in more than 50 states about 87 insurance providers—and here’s what we learned: No one auto insurance company will offer everyone the cheapest rates. After all, different providers will weigh factors differently when calculating rates.
The easiest way to find the best deal on car insurance: Use a car insurance comparison website or app like Jerry.
Jerry is a
licensed insurance broker
that can help you find and compare car insurance quotes in one centralized location. If you find a policy option you like, our team of 100+ licensed insurance agents can answer your questions and help you switch to your new coverage—and cancel your old one
.After finding new policies through Jerry, here’s what these customers have to say about their experiences with various companies.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Cheyenne
All Cheyenne drivers must meet the state’s minimum insurance requirements before getting behind the wheel.
Wyoming law
requires car insurance policies to include minimum liability coverage
. In many cases, adding full coverage
or other coverage types to a policy is also beneficial.Cheap minimum liability insurance quotes in Cheyenne
Wyoming car insurance policies must meet the state’s minimum car insurance requirements. That includes the following coverage:
- $50,000 of bodily injury liability per accident
You may see these minimum liability coverage requirements referred to as 25/50/20.
Find out what other Wyoming drivers have paid for minimum liability insurance after finding a policy with Jerry.
Ralph (37 years old)
$132
per month
Jeff (40 years old)
$98
per month
Nannie (39 years old)
CoverageState Minimum
Cheyenne, WY (Zip Code: 82009)
Lincoln LS$94
per month
Clearcover
Eula (48 years old)
$82
per month
Do you need more than minimum coverage in Cheyenne?
Even the best drivers can’t be utterly immune to the risk of an at-fault accident—and severe ones can easily exceed Wyoming’s minimum liability coverage limits. Also, remember that liability insurance covers the costs for the other party involved in an accident but doesn’t cover you and your vehicle.
Insurance experts recommend choosing higher liability limits than state-required minimums for better financial protection, such as 50/100/50 or 100/300/100.
Cheap full coverage car insurance quotes in Cheyenne
Often referred to together as full coverage, these two coverage types will pay to repair or replace your vehicle after various types of incidents:
- Collision coverage: Applies to damages after a collision with another vehicle or object
- Comprehensive coverage: Applies to damage caused by a range of other types of events, such as severe weather, theft, vandalism, or hitting an animal
If you have a car loan: Although not legally required, car loan lenders commonly require that you keep full coverage on your policy for the duration of your loan.
These are rates Jerry users have found for full coverage policies in Cheyenne.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $132 | Ralph, 37 Zip: 82007 | KIA Sportage LX |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $98 | Clayton, 38 Zip: 82001 | KIA Sorento LX |
• State Minimum Liability • Comp / Collision | Allstate | $81 | Jane, 48 Zip: 82007 | Nissan Rogue Sport S |
• State Minimum Liability • Comp / Collision | Nationwide | $98 | Jeff, 40 Zip: 82001 | Chevrolet Traverse LT |
• State Minimum Liability • Comp / Collision | Dairyland | $232 | Leona, 43 Zip: 82001 | Jeep Compass Limited |
Last Updated Sep 15, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Cheyenne
In helping hundreds of Cheyenne drivers find cheaper rates, we found the average cost for minimum liability coverage to be $60 per month or $720 per year. The average cost for full coverage insurance in Cheyenne is $152, which totals about $1,823 per year.
Keep in mind: While Cheyenne car insurance costs tend to fall below the national average, your premium will largely depend on factors that are specific to your unique driver profile—like your zip code, the vehicle you drive, your
driving record
, your demographics, the coverage level you choose, and more.Average cost of car insurance in Cheyenne by zip code
Where you keep your car has a significant influence on your premium.
You might see differing average rates for different zip codes even within the same city, and expect to pay more for car insurance if your city has a high population density, high accident rates, or high auto theft rates.
You can often pay less for insurance if you can park your vehicle in a secure garage, where it’s protected from severe weather or tampering.
Find out what rates drivers are finding across Cheyenne with Jerry.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
82001 | $42 | $115 |
82007 | $44 | $110 |
82009 | $53 | $134 |
Car insurance quotes in Cheyenne by rating factors
Car insurance providers in Cheyenne will consider several factors when
calculating your premium
, including: - Your driving record: Good drivers withclean driving recordswill easily find a cheap auto insurance policy.
- Your claims history: Policyholders are statistically more likely to file an insurance claim again if they’ve filed one in the past, so they may pay a higher rate.
- Where you live: Your zip code’s population, accident rates, crime rates, and risk for natural disasters can influence the cost of your car insurance premium.
- Your credit score: Drivers with highercredit scoresoften get lower car insurance rates than drivers with poor credit.
- What vehicle you drive: Full coverage typically costs more for luxury, sports, or high-value cars.
- How you use your car: The car you drive for your daily commute will usually cost more to insure than one you only take out on the weekends.
How do different factors impact your car insurance costs in Cheyenne?
How do different factors impact your car insurance costs in Cheyenne?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Cheyenne currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Cheyenne:
Cheap car insurance quotes in Cheyenne after driving violations
It’s common for car insurance rates to rise after a driving infraction, but how steep that rate increase is might depend on the severity of the offense. If you’re facing a premium increase, shopping around for quotes could help you find a cheaper option.
Some of the most common traffic violations that can affect your car insurance rates include:
Cheapest car insurance in Cheyenne after speeding ticket
Speeding tickets
can cause your car insurance rate to rise—but a speeding ticket for seven mph over the speed limit might not cut into your budget as much as a ticket for driving 20 mph over the speed limit.Check out the table below for real-life examples of how Jerry helped Cheyenne drivers with speeding tickets save on car insurance.
Bettie (38 years old)
$162
per month
Cheapest car insurance in Cheyenne after an at-fault accident
At-fault accidents can put your Cheyenne car insurance costs on the rise—especially if injuries result from the collision.
Shopping around for quotes after an at-fault accident could help you find more affordable coverage options. Check out the table below to see how Jerry helped Cheyenne drivers.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Dairyland | $97 | Lenora, 37 Zip: 82001 | Chevrolet Suburban C1500 LT | • State Minimum Liability |
At Fault With No Injury | Progressive | $118 | Myra, 53 Zip: 82009 | Ford F150 Supercrew | • State Minimum Liability • Comp / Collision |
Not At Fault | Safeco | $61 | Dominic, 25 Zip: 82009 | Chevrolet Suburban C1500 | • 100,000/300,000 Liability |
At Fault With No Injury | Nationwide | $227 | Lester, 25 Zip: 82001 | Hyundai Elantra SE | • State Minimum Liability • Comp / Collision |
Last Updated Sep 12, 2024Cheapest car insurance in Cheyenne after other driving violations
How much a violation on your driving record impacts your insurance costs largely depends on the severity of the violation.
From driving on a suspended license to failure to yield, here’s a look at what Cheyenne drivers pay for insurance after various violations.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $198 | Leah, 52 Zip: 82009 | Ford F250 Super Duty | • 100,000/300,000 Liability • Comp / Collision |
Failure to Obey Signal | Progressive | $198 | Emily, 52 Zip: 82009 | Ford F250 Super Duty | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 17, 2024Cheap car insurance quotes in Cheyenne by age
How much you pay for car insurance in Cheyenne depends on age.
Young drivers
see the highest average car insurance rates. But for safe drivers, those costs gradually decrease as they continue building experience behind the wheel. As drivers reach their mid-seventies, average premium costs increase—but still not as drastically as teen car insurance rates.
Cheapest car insurance in Cheyenne for young drivers
Thanks to a higher accident risk, drivers ages 16 to 19 typically see some of the highest car insurance rates of any age demographic.
That makes full coverage a worthwhile consideration for vehicles being used by young drivers—especially if they’re newer or carry a higher value.
Caleb (23 years old)
CoverageState Minimum
Cheyenne, WY (Zip Code: 82007)
Mitsubishi Eclipse Spyder GS$94
per month
Cheapest car insurance in Cheyenne for senior drivers
Due to elevated accident risks and the likelihood of severe injuries when accidents occur, car insurance costs increase over time for
senior drivers
. Find out what rates senior drivers in Cheyenne are finding with Jerry’s help.
Herbert (71 years old)
$51
per month
Jeffrey (72 years old)
$71
per month
Cheap car insurance quotes in Cheyenne based on insurance history
Your auto insurance history will influence your future premiums. Maintaining continuous coverage over a long period will make you a lower risk and help you secure a lower rate.
On the other hand, if you’ve had one or more
car insurance coverage lapses,
you might have to pay more for your coverage. If you’re car insurance shopping for the first time, choosing a policy that’s within your budget and meets your coverage needs will give you a helpful head start on finding lower rates in the future.
Because on-time payments are essential to keep your coverage active, Jerry can send customers payment reminders and even late payment warnings.
Check out what other Cheyenne drivers are paying for car insurance based on their insurance status.
Joseph (37 years old)
$132
per month
James (25 years old)
$227
per month
Lester (25 years old)
$227
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Very prompt and quick with quoting policies fast and efficient
Mosel
Cheapest insurance I've had and offers similar benefits to the previous ones I've had. I do wish Nationwide offered glass coverage though.
Stephen
Aaa has been great to work with. We have had no issues .
Neil
I find it comforting to not to second guess my policy and the insurance company
Frantz
Cheap car insurance quotes in Cheyenne for drivers with poor credit
Your credit history
can significantly affect what you pay for car insurance. Since drivers who have poor credit are statistically more likely to file claims, they often see higher insurance rates.In contrast, drivers who have good credit will often find lower rates.
In fact, Jerry’s data shows that the average car insurance costs for drivers with credit scores of 750 or higher pay about 20% less than those with credit scores of 550 or lower.
Take a look at what Cheyenne drivers with varying credit scores are paying for car insurance.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $114 | Thomas, 43 Zip: 82001 | Chevrolet Colorado Z71 | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Nationwide | $227 | Rachel, 25 Zip: 82001 | Hyundai Elantra SE | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $133 | Jeremy, 21 Zip: 82001 | Chevrolet Cruze LT | • State Minimum Liability • Comp / Collision |
550 - 659 | Dairyland | $145 | Alice, 53 Zip: 82009 | Ford F150 Supercrew | • State Minimum Liability • Comp / Collision |
< 550 | Dairyland | $232 | Ricardo, 43 Zip: 82001 | Jeep Compass Limited | • State Minimum Liability • Comp / Collision |
Last Updated Sep 14, 2024Cheap car insurance quotes in Cheyenne for popular cars
The type of vehicle you drive has a major impact on your car insurance costs. Insurers will consider factors like:
- Age
- Safety
- Theft risk
- Repair/replacement costs
These are some vehicles that are popular with Wyoming drivers:
| Popular car | Insurance company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Ford Ford_f-150 | Nationwide | $53 | Louise, 41 Zip: 82006 | • State Minimum Liability • Comp / Collision |
| Chevrolet Chevrolet_silverado | Progressive | $88 | Todd, 45 Zip: 82007 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 17, 2024Car insurance cost for new vs. old car
New cars often have higher insurance costs than older ones.
Our data shows average full coverage costs for a vehicle over 10 years old is $1,579 per year in Wyoming. For comparison, the average full coverage cost for a car less than 4 years old is $1,632 per year.
Ralph (37 years old)
$132
per month
Jane (48 years old)
$81
per month
Jeff (40 years old)
$98
per month
How to lower car insurance costs in Cheyenne
If you’re looking to lower your Wyoming car insurance costs, take note of these tips from Jerry’s team of licensed insurance agents:
- Shop aroundand compare multiple quotes.
- Take advantage of availablecar insurance discounts—like good student discounts, safe driver discounts, occupational discounts, or low mileage discounts.
- Bundle your car insurancewith other policies, like homeowners or renter’s insurance.
- Consider raising your deductibles for comprehensive and collision coverage.
- Improve your credit score.
- Consider dropping collision and comprehensive coverage on older or low-value cars.
Why is car insurance in Cheyenne so expensive?
In addition to the factors within your control, the following are some additional factors that can make Cheyenne car insurance costs higher:
- High-population density cities
- Uninsured drivers
- Healthcare costs
- Rising vehicle repair costs
- Area accident and crime rates
- Severe weather risks
FAQ
How much is car insurance in Cheyenne?
People living in Cheyenne pay on average $60 per month – or $720 per year – on state-minimum liability coverage. Full coverage in Cheyenne costs on average $152 per month of $1,823 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Cheyenne?
Based on thousands of Cheyenne drivers Jerry has worked with, car insurance in Cheyenne costs an average of $60 per month for state-minimum coverage and $152 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the best car insurance in Cheyenne?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Nationwide, Progressive, and State Farm receive good ratings from Cheyenne drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.
What is the minimum car insurance in Cheyenne, Wyoming?
The state-minimum car insurance in Cheyenne, Wyoming is as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $20,000 property damage liability per accident
These coverages are commonly referred to as 25/50/20 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.