Compare the Cheapest Car Insurance Quotes in Cheyenne, WY

On average, in Cheyenne, State Farm is the cheapest company and the lowest-priced with a speeding ticket. GEICO, though, is the most affordable option for a state minimum policy. For military families, USAA could be best. MoneyGeek ranked State Farm as the best company for cost and service quality. The best for you depends on your coverage and profile.

On average, for a full coverage policy in Cheyenne, MoneyGeek found the following companies are the cheapest:

• State Farm: $726 per year
• GEICO: $822 per year

For drivers with a military background, USAA offers a cheap full coverage policy at roughly $506 per year.

State Farm offers the most affordable, open-to-all full coverage policy in Cheyenne. It’s approximately 29% cheaper than MetLife, the most expensive company in the city, at around $941 a year.

In a full coverage policy, you have comprehensive and collision coverage. The amount of liability coverage you select determines its price.

MoneyGeek collected average rates for a 40-year-old male driver in Cheyenne with a full coverage policy, as defined in our methodology.

Full coverage is more expensive than minimum coverage because of its value. It fully covers damage to your car with comprehensive and collision insurance plus liability.

• Comprehensive coverage: covers loss, theft or damage of your vehicle outside of an accident
• Collision coverage: pays for repairs to your car in an at-fault collision

With an older car, minimum coverage or liability-only insurance may be better if the cost of a full coverage policy is more than your car’s worth.

For the cheapest car insurance in Cheyenne, choose a minimum coverage policy. These companies are cheapest for a minimum coverage policy:

• GEICO: $206 average per year
• State Farm: $246 average per year

For military backgrounds, USAA offers an affordable minimum coverage policy in Cheyenne at around $180 annually.

GEICO’s full coverage policy in Cheyenne is cheapest for most drivers, an average of $201 less than Allstate, the most expensive company in the city at around $407/year.

While a minimum coverage policy costs less, it does not include comprehensive and collision insurance and has low levels of liability coverage, affecting your protection.

See the table below to understand how much higher liability coverage costs.

In Cheyenne and elsewhere, several factors determine the cost of your car insurance, including the amount of coverage purchased. For example, the minimum liability coverage costs $303 on average per year. On the other hand, a full coverage policy costs an average of $851 per year. That’s a difference of $548.

Driving violations like a DUI, an at-fault accident or a speeding ticket significantly increase your car insurance rate. On average, the following companies are most affordable in Cheyenne with a violation:

• Cheapest after a speeding ticket: USAA, $567 per year
• Cheapest after an at-fault accident: USAA, $643 per year
• Cheapest after a DUI: State Farm, $790 per year

For drivers who have a military background and violations like a speeding ticket or an at-fault accident, USAA averages the cheapest rates.

Poor drivers in Cheyenne can get cheaper insurance by improving their records over time. Right now, it’s best to compare quotes and find the best rate available with a violation.

With an average annual rate of $851, car insurance in Cheyenne is much more affordable than in major cities, such as Chicago, New York and Seattle. Drivers in Cheyenne (and the rest of Wyoming) typically pay 40.2% less than the national average of $1,424.

Car insurance companies utilize a number of factors to determine a driver’s risk level. Some of these factors are your credit score, your age and your driving record. Regular evaluations of the rates available to you will help you get the most accurate rate available.

MoneyGeek determined the top car insurance providers in Cheyenne by examining average premiums, claims ratings and customer satisfaction ratings. The top-rated auto insurance providers in Cheyenne are:

• GEICO: MoneyGeek score of 85 out of 100
• State Farm: MoneyGeek score of 81 out of 100

Additionally, USAA earned a perfect MoneyGeek score of 100 out of 100, making it the top auto insurance provider in Cheyenne overall. We excluded the company from our list, however, because it only serves military personnel and their families.

Although your ZIP code can play a role in the cost of your auto insurance in many cities, this is not the case for Cheyenne. With a difference of $2 between the most affordable and most expensive premiums in the area, you will get a similar price no matter which ZIP code you reside in.

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Washington. How Washington ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.