Cheapest Car Insurance Quotes in Cheyenne

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Cheyenne Car Insurance

^$ 28

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Cheyenne

The car insurance rate in Cheyenne is $1285 for a six-month policy, which is $49 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $914, making it a popular choice for budget-conscious drivers. Rates in Cheyenne can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Cheyenne

$1285

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Cheyenne

1st place: USAA

At $914 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $952 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1063 for six months, making it the third cheapest auto insurance company in Cheyenne.

Cheyenne Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cheyenne, OK is USAA, offering policies at just $914 for a six-month term. This is followed by Progressive, which has an average six-month premium of $952.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1872 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cheyenne drivers find the best deals.

Cheap Car Insurance Companies in Cheyenne, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$914	$154
Progressive	$952	$160
Mercury	$1063	$179
State Farm	$1112	$187
Shelter	$1242	$209
American Farmers & Ranchers Mutual	$1260	$214
Farmers	$1297	$218
Oklahoma Farm Bureau	$1334	$227
AFR Group	$1538	$257
Farm Bureau	$1563	$266
Allstate	$1872	$315

Key Takeaways

Way's key takeaways about car insurance in Cheyenne

The auto insurance costs in Cheyenne fall around $914 for six months.
The cheapest auto insurance company in Cheyenne is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Cheyenne at $44 per month.

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Cheapest Minimum Liability Car Insurance in Cheyenne

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Cheyenne are given below.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Cheyenne. Their Average 6 Month Premium is $166. Allstate is the most expensive at $605 for the same period.

Cheapest Liability Coverage in Cheyenne, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$166	$28
Mercury	$198	$33
USAA	$204	$34
AFR Group	$235	$40
Progressive	$241	$41
State Farm	$265	$45
Shelter	$315	$53
Oklahoma Farm Bureau	$340	$56
Farm Bureau	$383	$66
Farmers	$451	$76
Allstate	$605	$102

Cheapest Full Coverage Car Insurance in Cheyenne

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Cheyenne is USAA at $154 per month and $914 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cheyenne, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$914	$154
Progressive	$952	$160
Mercury	$1063	$179
State Farm	$1112	$187
Shelter	$1242	$209
American Farmers & Ranchers Mutual	$1260	$214
Farmers	$1297	$218
Oklahoma Farm Bureau	$1334	$227
AFR Group	$1538	$257
Farm Bureau	$1563	$266
Allstate	$1872	$315

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Average Car Insurance in Cheyenne by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Cheyenne, OK increasing?

Despite maintaining a clean driving record, your car insurance rates in Cheyenne, Oklahoma, may be increasing due to several external factors. Oklahoma has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Cheyenne's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cheyenne

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$743
30s	USAA	$575
40s	USAA	$527
50s	USAA	$505
60s	USAA	$517
70s	USAA	$597

Cheapest Car Insurance Rates for Teen Drivers in Cheyenne,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Cheyenne at $38 per month. At $259 for a six-month premium, American Farmers & Ranchers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AFR Group	$229	$38
USAA	$1279	$215
Progressive	$2230	$375
State Farm	$2255	$380
Mercury	$2922	$492
Shelter	$3324	$560
Oklahoma Farm Bureau	$4083	$695
Farm Bureau	$4572	$762
Allstate	$5060	$852
Farmers	$5887	$991
American Farmers & Ranchers	$259	$44

Teen Car Insurance Rates in OK by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Cheyenne.

As young drivers face the highest rates in Cheyenne, USAA offers the cheapest auto insurance rates at $743 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Cheyenne, Oklahoma Farm Bureau is the cheapest car insurance provider. At $334 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Cheyenne is State Farm, offering rates of around $6098 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$334	$55
Progressive	$784	$132
Mercury	$1334	$225
USAA	$1334	$227
Farm Bureau	$1569	$261
Shelter	$2576	$438
Farmers	$2811	$468
Allstate	$2891	$492
State Farm	$6098	$1016

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Car Insurance Rates with An Accident in Cheyenne

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Cheyenne, OK, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cheyenne

The cheapest car insurance companies after an at-fault accident in Cheyenne include American Farmers & Ranchers Mutual and AFR Group, offering $160 and $376, respectively. Allstate is an expensive provider with an average six-month premium of $2582.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$160	$27
AFR Group	$376	$64
State Farm	$661	$111
USAA	$717	$121
Mercury	$865	$146
Oklahoma Farm Bureau	$889	$150
Progressive	$927	$156
Shelter	$1618	$272
Farm Bureau	$1699	$283
Farmers	$2267	$382
Allstate	$2582	$435

Cheyenne Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cheyenne OK. For example, the car insurance in Cheyenne after a DUI increases to $655 for a six month policy. While the rate increases by $296 for a six-month policy in the case of a speeding ticket.

Cheyenne auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1236	$206
One comp claim	$1260	$214
One Med/PIP claim	$1260	$210
Two Med/PIP claims	$1273	$216
Not-at-fault accident	$1279	$213
Two comp claims	$1285	$218
Failure to show documents	$1366	$228
Failure to wear a seat belt	$1408	$239
Child safety restraint	$1414	$236
Driving without lights	$1414	$240
Driving with expired registration	$1439	$240
Cell phone violation	$1458	$248
Driving too slowly	$1458	$243
Speeding in school zone	$1458	$248
Texting while driving	$1458	$243
Failure to yield	$1471	$250
Failure to stop at a red light	$1477	$246
Following too closely	$1483	$252
Illegal turn	$1483	$248
Wrong way/wrong lane	$1494	$254
Improper passing	$1501	$251
In 65 MPH zone	$1526	$259
Speeding 11 - 15 MPH over limit	$1532	$256
Speeding 6 - 10 MPH over limit	$1532	$260
Passing school bus	$1538	$257
Speeding 16 - 20 MPH over limit	$1538	$261
Open container	$1563	$260
Speeding 21 - 25 MPH over limit	$1576	$268
At-fault accident - less than $1000	$1582	$263
Operating a vehicle without permission	$1668	$284
At-fault accident - $1000-$2000	$1681	$280
At-fault accident - greater than $2000	$1681	$286
Reckless driving	$1822	$304
Refusal to submit to a chemical test	$1866	$317
DUI	$1891	$315
Racing	$1946	$331
Driving with a suspended license	$2051	$342
Leaving scene of an accident/hit and run	$2051	$348

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Cheyenne after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Cheyenne.

The cheapest car insurance premiums in Cheyenne are offered by Progressive at $685 for a six-month policy. However, it can be as expensive as $2416 with companies like Farm Bureau.

Cheyenne car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$685	$115
Mercury	$828	$139
State Farm	$1069	$180
USAA	$1087	$183
Shelter	$1835	$309
Oklahoma Farm Bureau	$2038	$340
Farmers	$2317	$390
Allstate	$2391	$402
Farm Bureau	$2416	$411

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Cheyenne are offered by Oklahoma Farm Bureau at $303. However, it can be as expensive as $2329 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cheyenne after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$303	$51
Progressive	$661	$111
State Farm	$717	$121
USAA	$908	$154
Mercury	$1130	$190
Shelter	$1513	$257
Farm Bureau	$1563	$260
Allstate	$2248	$383
Farmers	$2329	$388

Car Insurance Price Trends in Cheyenne, Oklahoma

Car insurance rates in Cheyenne have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Cheyenne rose by $253 in January compared to $231 of December. In other words, there has been an increase by $22 when you compare January and December.

The average cost of liability insurance in the Cheyenne dipped to $48 in January, compared to $49 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cheyenne?

The car insurance in Cheyenne is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Cheyenne?

The cheapest car insurance in Cheyenne is $154 per month for full coverage.

How much is car insurance in Cheyenne for teenagers?

Car insurance for teenagers costs $229 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Cheyenne?

The average cost of car insurance is $1236 for a six-month policy. It will cost around $216 per month to insure your car in Cheyenne.

Is car insurance expensive in Cheyenne?

Car insurance can be expensive in Cheyenne if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Cheyenne can be affordable.

Cheapest Car Insurance Quotes in Cheyenne

Why you can trust Way?

How Much Is Car Insurance in Cheyenne

Avg. Car Insurance in Cheyenne

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Cheyenne

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Cheyenne Car Insurance Rates by Company

Cheap Car Insurance Companies in Cheyenne, OK

Way's key takeaways about car insurance in Cheyenne

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cheyenne

Cheapest Liability Coverage in Cheyenne, OK

Cheapest Full Coverage Car Insurance in Cheyenne

Cheapest Full Coverage Car Insurance Quotes in Cheyenne, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cheyenne by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Cheyenne, OK increasing?

Car Insurance Premiums by Age in Cheyenne

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cheyenne,OK

If you are in your twenties USAA is the best choice for car insurance in Cheyenne.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Cheyenne

Cheapest Car Insurance Companies after an At-Fault Accident in Cheyenne

Cheyenne Car Insurance Rates by Violation

Cheyenne auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cheyenne after a DUI

Cheyenne car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cheyenne after Speeding ticket

Car Insurance Price Trends in Cheyenne, Oklahoma

Average Car Insurance Cost in Cheyenne by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cheyenne, OK

Car Insurance Rates by State in the USA (2025 Update)

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