Average car insurance cost in Cheyenne, Wyoming

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At $1,947 per year, Cheyenne drivers pay $114 less than the state average and $631 less than the national average for full coverage car insurance.

American National holds the lowest average rate at $1,172, while your own premium comes down to your age, driving record, and coverage level.

Here’s how Cheyenne’s average rate compares to state and national averages:

How much car insurance do you need in Cheyenne?

Liability coverage is necessary to drive legally for drivers in Cheyenne, but full coverage protects more – it pays out for your own vehicle, not just the other driver’s.

With liability only, you’re covered for damage you cause to someone else – but not for your own car. A crash, theft, or a tree branch through your windshield comes straight out of your pocket. Here’s what each coverage level costs per year and what it includes:

• State minimum coverage: $326 per year – Limits of $25,000 bodily injury per person, $50,000 total bodily injury per accident, $25,000 property damage. The lowest coverage level allowed by law.
• Liability only coverage: $354 per year – Limits of $50,000 bodily injury per person, $100,000 total bodily injury per accident, $50,000 property damage. Pays for injuries to others and property damage when you’re at fault – but doesn’t cover your own vehicle.
• Full coverage: $1,947 per year – Limits of $100,000 bodily injury per person, $300,000 total bodily injury per accident, $100,000 property damage. Combines liability with collision and comprehensive, so your own car is covered too.

What are the cheapest car insurance companies in Cheyenne?

American National offers the cheapest full coverage car insurance in Cheyenne, averaging $1,172 per year, while State Farm has the second-cheapest premium, averaging $1,622 per year. Rates are based on limits of $100,000 bodily injury per person, $300,000 per accident, and $100,000 property damage.

Rates differ by company because each insurer calculates risk differently. Comparing quotes from multiple providers is the best way to find a rate that fits your budget.

Below is a breakdown of average yearly and monthly car insurance rates from different insurers in Cheyenne.

Do men or women pay more for car insurance in Cheyenne?

Male drivers in Cheyenne average $1,999 per year for full coverage car insurance,which is $105 more than female drivers at $1,894 per year.

Insurers in most states use gender as a rating factor. California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania block this practice.

The Insurance Information Institute (Triple-I), a nonprofit that researches insurance trends, reports that women are involved in fewer serious accidents than men. Insurers price that risk difference into premiums, which is why men pay more for car insurance.

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How does age affect car insurance rates in Cheyenne?

Teen drivers pay the most for car insurance in Cheyenne, averaging $5,232 per year, or $436 per month. Rates drop as drivers gain experience – young adults ages 20 to 24 average $3,101 per year, adults 25 to 55 average $1,912 per year, and seniors 60 to 75 average $2,050 per year.

Teens aged 16 to 19 are more likely to be in crashes due to inexperience, which drives up their rates. According to theInsurance Information Institute, teen drivers pay $2,131 more annually than young adult drivers.

As drivers get older and gain experience, premiums typically go down. Young adults ages 20 to 24 pay $3,101 per year – 41% what teen drivers pay.

Below is a breakdown of average annual full coverage car insurance rates by age group.

How have car insurance rates changed in Cheyenne?

Since 2023 to 2025, Cheyenne premiums have gone upward, moving by 13%, or $227.

A rising premium is worth a second look. When renewal season comes around, shop around to find a rate that fits your budget.

The graph below tracks insurance costs from 2022 to 2025, showing the long-term trend behind today’s rates.

Methodology

Insure.com commissioned car insurance rates in 2026 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 65,756,440 auto insurance quotes collected in 2025 across 51 states, 29,159 cities and 34,595 zip codes. Quotes came from 195 insurance companies across 73 company groups, giving a national average annual premium of $2,578.

Each quote reflects a 40-year-old male and female driver with a Honda Accord LX, no violations and a good insurance score, driving 10,000 miles a year with a 12-mile daily commute. Coverage includes:

• 100/300/100 liability limits (up to $100,000 per person and $300,000 per accident for bodily injury, and $100,000 for property damage)
• $500 deductible for collision and comprehensive

The quoted insurance rates are for comparison purposes, and your rates may vary.

Alisha Ambre

 

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Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.