Cheapest car insurance companies in Cheyenne
American National Finance and State Farm have the cheapest car insurance premiums for Cheyenne drivers in 2023, based on a data study by Insurance.com.
American National Finance has the cheapest car insurance rates in Cheyenne at an average cost of $784 per year.
Car insurance prices in Cheyenne can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Cheyenne drivers.
| Companies | Average annual rates |
|---|---|
| American National Finance | $784 |
| USAA | $996 |
| State Farm | $1,507 |
| Farmers | $1,685 |
| Geico | $2,263 |
| Allstate | $2,819 |
Cheapest car insurance cost in Cheyenne by Age Group
American National Finance stands out as Cheyenne's cheapest auto insurance company for teen drivers at an average annual of $2,577. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance.
American National Finance provides the cheapest car insurance coverage for young drivers in Cheyenne, with an annual premium of $1,208 on average.
Drivers in Cheyenne stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. American National Finance has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $726 a year.
American National Finance tops the list in terms of affordability for senior drivers in Cheyenne. With an average annual premium of $843, American National Finance offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| American National Finance | $2,577 | $1,208 | $726 | $843 |
| USAA | $2,938 | $1,550 | $1,008 | $979 |
| Farmers | $4,158 | $3,186 | $1,666 | $1,769 |
| State Farm | $4,294 | $2,530 | $1,463 | $1,356 |
| Geico | $5,451 | $3,478 | $2,235 | $2,766 |
| Allstate | $9,991 | $4,276 | $2,792 | $2,811 |
Cheapest car insurance companies in Cheyenne by driver profile
Insurers in Cheyenne consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.
Finding the cheapest car insurance in Cheyenne requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit.
In Cheyenne, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Farmers
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Farmers
Drivers in Cheyenne with poor credit can get the cheapest car insurance from Farmers at an average cost of $2,025 a year, according to a data study by Insurance.com.
Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Cheyenne.
| Company | Average annual rates |
|---|---|
| Farmers | $2,025 |
| State Farm | $2,323 |
| USAA | $2,654 |
| Geico | $2,665 |
| Allstate | $3,841 |
Cheapest for drivers with a speeding ticket: USAA
USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Cheyenne. Its full coverage car insurance policy costs an average of $1,076 per year for drivers aged 30.
Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.
| Company | Average annual premium |
|---|---|
| USAA | $1,076 |
| State Farm | $1,525 |
| Farmers | $1,841 |
| Allstate | $2,882 |
| Geico | $3,846 |
Cheapest auto insurance after an at-fault accident: USAA
According to Insurance.com's analysis, USAA tops the list of cheap car insurance providers in Cheyenne for drivers involved in at-fault accidents, with an average annual cost of $1,252. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget.
| Company | Average annual rates |
|---|---|
| USAA | $1,252 |
| State Farm | $1,648 |
| Farmers | $2,363 |
| Geico | $3,145 |
| Allstate | $3,608 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the cheapest option for Cheyenne drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,525, on average.
A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums.
| Company | Average annual rates |
|---|---|
| State Farm | $1,525 |
| USAA | $1,889 |
| Allstate | $3,472 |
| Farmers | $5,234 |
| Geico | $7,493 |
Average car insurance cost in Cheyenne
Full coverage car insurance in Cheyenne for a coverage limit of 100/300/100 is $1,676 per year or $140 per month, while the state minimum coverage costs an average of $326 a year.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.
| Average annual Rates | State minimum average |
|---|---|
| $1,676 | $326 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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