Average car insurance cost in Cheyenne, Wyoming

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Based on our data, Cheyenne drivers pay an average of $1,878 annually for car insurance. It’s $106 less than the Wyoming state average and $635 less than the national average.

Insurance rates can differ significantly depending on where you live. Factors like population density, accident rates and theft statistics all play a role in determining premiums. As a result, drivers in some ZIP codes pay higher premiums.

Understanding how car insurance rates in Cheyenne stack up against state and national averages can help you make informed decisions. We’ll walk you through local trends, rate changes and how to save on your premiums.

Cheap car insurance companies in Cheyenne

American National offers the cheapest full coverage car insurance in Cheyenne at $784 per year with coverage limits of $100,000 in bodily injury per person, $300,000 total per accident and $100,000 for property damage.

The second most affordable option in Cheyenne is State Farm, with an average annual premium of $1,622.

Car insurance rates differ from one company to another because each insurer has its own underwriting process to determine premiums. That’s why shopping around and comparing quotes from multiple insurance companies is key to finding affordable coverage that meets your needs.

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

Read about the best car insurance companies.

Average car insurance cost in Cheyenne by coverage limits

Here’s a breakdown of average car insurance rates in Cheyenne by coverage type.

• State minimum coverage: $322 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).
• Liability only coverage: $367 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).
• Full coverage: $1,878 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).
• Non-owners coverage: $257 per year

Most states require drivers to carry a minimum amount of liability insurance to legally operate a vehicle, but the specific coverage limits vary by state. Liability insurance is designed to cover injuries or property damage you cause to others in an accident.

However, it’s important to understand that minimum coverage won’t pay for your own medical bills or repairs to your vehicle if you’re at fault. If you want protection for your own car, you’ll need to add collision and comprehensive coverage to your policy.

Average car insurance rates by gender in Cheyenne

In Cheyenne, female drivers pay an average of $1,826 per year for car insurance. In comparison, male drivers pay $1,931 annually, which is $105 more than what female drivers pay. Most states consider gender when calculating premiums. However, states such as California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania don’t allow insurers to use gender as a rating factor to determine insurance rates.

According to the Insurance Information Institute, or Triple-I, women tend to be safer drivers than men and are less likely to be involved in severe accidents. Insurers account for this risk by charging male drivers higher premiums.

Read more on how gender affects car insurance rates.

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Average car insurance rates by age in Cheyenne

Teen drivers in Cheyenne pay the highest car insurance premiums, at $5,078 per year or $423 per month.

Data from the Insurance Information Institute shows that teens aged 16 to 19 are more likely to be involved in crashes due to inexperience, which leads to higher insurance rates. On average, teen drivers pay $2,049 more annually than young adult drivers.

As teen drivers get older and gain more experience, their car insurance premiums usually decrease. On average, young adults aged 20 to 24 pay $3,029 per year for car insurance – that’s $2,049 less than what teen drivers typically pay.

Adult drivers aged 25 to 55 pay an average of $1,849 per year for car insurance, while seniors aged 60 to 75 pay around $1,978 annually.

Read more on auto insurance for seniors.

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

Car insurance rate trends in Cheyenne

Car insurance premiums in Cheyenne showed an upward trend between 2023 to 2025, with average rates changing by 12% or about $202.

The graph below tracks insurance costs from 2022 to 2025, highlighting long-term trends that help explain today’s rate changes.

How drivers can save on insurance even with higher rates

Drivers in Cheyenne pay lower than the state average for car insurance. The good news? You can often cut costs by comparing quotes from several insurers and using discounts – like bundling policies, safe driver rewards, or low-mileage savings.

Methodology

Insure.com commissioned car insurance rates in 2025 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

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

Shivani Gite

Contributing Writer

 

|

 . .

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.