For a 40-year-old driver with a clean record, Cheyenne car insurance averages about $158 a month ($1,893 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s about the same as the Wyoming average of $161 a month. Full-coverage averages in Cheyenne run from about $73 to $248 a month across the five major insurers we compared (Allstate, Farmers, GEICO, Safeco and State Farm).
Cheyenne, the state capital, is one of the least expensive places in Wyoming for car insurance in our data, though it’s still close to the state average: our benchmark driver pays about $3 a month less here, and only Rawlins and Sheridan cost less among the 21 cities and towns we price.
All three Cheyenne ZIP codes in our data, 82001, 82007 and 82009, average about $158 a month for full coverage, so where you live in the city barely changes the price. The insurer you choose matters far more: the five major insurers we compared run from about $73 to $248 a month here for the same driver and car.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Cheyenne ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 10, 2026.
How Much Is Car Insurance in Cheyenne, WY?
Full coverage in Cheyenne averages $1,893 a year, or about $158 a month, for our benchmark driver. Liability-only coverage at Wyoming’s 25/50/20 minimum averages $402 a year ($34 a month), and 50/100/50 liability with comprehensive and collision averages $1,892 ($158 a month).
- Full coverage (100/300/100, $500 deductibles): $1,893 a year ($158 a month)
- 50/100/50 with $500 deductibles: $1,892 a year ($158 a month)
- Liability only (25/50/20): $402 a year ($34 a month)
- Laramie County: $1,893 a year ($158 a month) for full coverage
- Wyoming average: $1,936 a year ($161 a month) for full coverage
Cheap Car Insurance in Cheyenne: Companies Compared
- Full-coverage range: about $73 to $248 a month across the five insurers in our rate data, for the same driver and car.
- Lowest liability-only average among these five insurers (25/50/20): GEICO, at about $17 a month, then State Farm at $24.
- Also on our list: American National at about $74 a month for full coverage and USAA at $105 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $248 a month.
Safeco’s Cheyenne average, about $73 a month, is 43% below Farmers’ ($128), a lead wide enough that we show the range instead of naming a single cheapest insurer. The recent statewide Wyoming rate studies we reviewed most often rank American National cheapest for full coverage: five of the eight put it first (four of those five were published in 2026), and every study that includes American National ranks it first. For liability-only coverage at 25/50/20 limits, GEICO has the lowest average among these five insurers, at about $17 a month, followed by State Farm at $24.
Full-coverage averages by insurer in Cheyenne
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/20 (Yearly): | Minimum Liability 25/50/20 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Safeco | $332 | $28 | $873 | $73 |
| Farmers | $471 | $39 | $1,537 | $128 |
| State Farm | $287 | $24 | $1,648 | $137 |
| GEICO | $206 | $17 | $2,432 | $203 |
| Allstate | $715 | $60 | $2,973 | $248 |
| American National* | $240 | $20 | $884 | $74 |
| USAA (military families)* | $207 | $17 | $1,255 | $105 |
| Cheyenne average | $402 | $34 | $1,893 | $158 |
This table uses Cheyenne ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Your ZIP code matters
How Much More Does Better Coverage Cost in Cheyenne?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Cheyenne data: with the same $500 deductibles, full coverage averages $1,893 a year and 50/100/50 averages $1,892. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Allstate and Safeco charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Cheyenne?
No, for our benchmark driver. Comparing the same insurers in the same Cheyenne ZIP codes, full coverage averaged $1,893 a year both 10 months earlier and in rates as of Sept. 30, 2026. Allstate’s, Farmers’, GEICO’s, Safeco’s and State Farm’s averages were unchanged. Averages for liability-only coverage at 25/50/20 limits didn’t change either.
What Shapes Car Insurance Costs in Cheyenne
Laramie County averages about $158 a month for full coverage, the third-least expensive of the 18 Wyoming counties we price. Its three ZIP codes in our data are all Cheyenne ZIP codes, so the county and city averages match.
The city of Laramie, about 45 miles west in Albany County, averages about $163 a month, and Wheatland, about 65 miles north in Platte County, also $163.
Military families at F.E. Warren Air Force Base, on the city’s west side, can also check USAA, which sells only to military members, veterans and their families.
How Cheyenne Car Insurance Compares With Other Wyoming Cities
More Wyoming cities and towns are in the Wyoming rates by city table, and you can compare states on our car insurance rates by state page.
Casper, about 140 miles northwest, also averages $158 a month, and Gillette, about 220 miles north, averages $164.
What Car Insurance Is Required in Cheyenne?
Drivers in Cheyenne follow Wyoming’s rules. Wyoming drivers must carry liability insurance of at least 25/50/20, according to the Wyoming Department of Transportation (WYDOT):
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $20,000 per crash
Our Wyoming requirements guide covers how the state checks your coverage and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Cheyenne
- Compare Safeco and American National first. They have the two lowest full-coverage averages among the insurers in our Cheyenne table, about $73 and $74 a month.
- Quote several insurers. In our Cheyenne data, the lowest and highest insurer averages are about $175 a month apart for the same driver and car.
- Consider uninsured motorist coverage. It pays when you’re hurt by a hit-and-run driver or a driver with no liability insurance, according to the Wyoming Department of Insurance. Our full-coverage prices include uninsured and underinsured motorist coverage at 100/300.
- Keep an electronic ID card on your phone. Wyoming verifies coverage electronically for personal vehicles, according to WYDOT, and state law has allowed electronic insurance ID cards as proof of insurance since July 1, 2013.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Cheyenne, then compare free home insurance quotes.
Ready to compare
How We Calculated Cheyenne Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
- Sample: 15 full-coverage premiums from five insurers across three Cheyenne ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Wyoming’s 25/50/20 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every major insurer we compared and at least half of the statewide rate studies we cite rank it cheapest.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Sept. 30, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Wyoming rate studies, scaled to our benchmark driver. They aren’t included in our averages.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Wyoming law and the Wyoming Department of Transportation. We refresh these figures when new rate data is released.
Cheyenne Car Insurance FAQ
For our benchmark driver, full coverage in Cheyenne averages about $158 a month ($1,893 a year) and liability-only coverage about $34 a month, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is about the same as the Wyoming average of $161 a month.
It depends on the coverage. For full coverage, averages in Cheyenne run from about $73 to $248 a month across the five major insurers we compared, and the gap between the two lowest of those five is too wide for us to call one insurer the cheapest. For liability-only coverage, GEICO has the lowest average among the five major insurers we compared, at about $17 a month. Five of the eight recent statewide Wyoming rate studies we reviewed rank American National cheapest for full coverage, and every study that includes it ranks it first. Rates vary by driver, so compare quotes for your own car and ZIP code.
Cheyenne, for our benchmark driver. Cheyenne full coverage averages about $158 a month and Laramie, about 45 miles west, about $163, a difference of about $5 a month for the same driver and car.
Barely, in our data. For our benchmark driver, 82001 and 82009 average $1,894 a year for full coverage and 82007 $1,891, about $158 a month in all three, so the insurer you choose matters far more than where you live in Cheyenne.
In our Cheyenne data, full coverage (100/300/100 with $500 deductibles) averages about $158 a month and liability-only coverage at 25/50/20 limits about $34, a difference of about $124 a month ($1,491 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Wyoming law doesn’t require full coverage, but a lender or leasing company may.
No, for our benchmark driver. Comparing the same insurers and ZIP codes, Cheyenne full coverage was unchanged over the past 10 months, at $1,893 a year in both. Liability-only coverage at 25/50/20 limits was also unchanged.
For our benchmark driver, full coverage in Cheyenne averages about $158 a month. Nearby, Casper averages about $158 and Gillette about $164. Cheyenne is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
