Cheyenne Insurance Rates:

Cheyenne, WY home insurance is approximately $620 to $841, about $51-$70/month. Our exhaustive guide reveals consumers can save upto $292 by getting different quotes

Compare Quotes from Top Providers and Save now!

See Cheyenne, Wyoming Homeowners Insurance reviews to see who you can trust & compare the cheapest quotes.

Cheyenne Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $680/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $310,000

4 Beds, 4 Bath 3320 sqft Vacation Property Constructed In 1996 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Fireplace, Copper Water Pipes, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $790/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $305,000

4 Beds, 4 Baths 2790 sqft Seasonal Residence Constructed In 2010 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Female who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

Home Insurance Rate of $360/4 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $370,000

5 Beds, 5 Bath 4380 sqft Seasonal Residence Constructed In 2014 with Linoleum, Wood Shake Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Married Female who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

Home Insurance Rate of $140/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 900 sqft Primary Residence Constructed In 1961 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Divorced Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $270/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 1450 sqft Primary Residence Constructed In 2011 with Carpet Flooring, Metal Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $160/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 960 sqft Seasonal Residence Constructed In 2005 with Ceramic Tile Flooring, Composition Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $240/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

5 Beds, 5 Baths 2350 sqft Seasonal Residence Constructed In 1993 with Linoleum, Membrane Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $650/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Baths 1820 sqft Seasonal Residence Constructed In 2007 with Hardwood Flooring, Slate Shingles Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Divorced Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Cheyenne, WY Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
82009 $239,300 $770
82001 $160,500 $730
82007 $117,100 $720

Cheyenne Rates & Quotes Analysis:

Cheyenne Area Estimated House Insurance
Apache St, E 12th St, Sapphire St, Robin Dr, Elmwood Ave, Council Blf, Squash Blossom Trl, Dodge Ct, Pontillo Dr, Ogden Rd$766
Thomas Rd, Rayor Ave, Evers Ave, Bradley Ave, Rainbow Rd, Bishop Blvd, Champion Dr, Wahoo Pl, Saratoga St, Jane Ln$768
Columbia Dr, E 2nd Ave, McCann Ave, W 31st St, Cornell Ln, Plains Ave, Desmet Dr, W 5th St, Randall Ave, Laramie St$712
Columbia Dr, Santa Marie Dr, Platte Ave, Sweetwater Trl, Longs Peak Dr, Vandehei St, Douglas St, Indigo Dr, Maple Ct, Beverly Blvd$748
Russell Ave, Levi Rd, E 21st St, Park Ave, Crescent Dr, Maxwell Ave, Walterscheid Blvd, Hoy Rd, Murray Rd, Crow Rd$697
Village Ln, Pointe Pinnacle, Edgewater Ave, N Cheyenne Ln, E 12th St, Lupe Rd, Penny Ln, Lakeshore Dr, Union St, W 6th Ave$747
Henderson Dr, Alexander Ave, Pinto Ln, Ptarmigan Ln, E 19th St, Fillmore Ave, Patton Ave, Comanche Dr, Stonewood Dr, Huron Ave$754
Mesa Ct, Murray Hill Dr, Julianna Rd, Uintah Rd, Timberline Rd, Cowboy, Andover Dr, Shoshoni St, Flaming Gorge Ave, S Bonnie Brae$746
Sioux Dr, W 16th St, Sundance Ln, Tuckaway Ct, Nimmo Dr, Holly Ct, Wrangler Rd, Omega Rd, Vosler Pl, S 4th Ave$745
Meadow Dr, E Mustang Rd, Space Dr, Eastland Ct, Hickory Pl, Morningside Dr, Ave B-2, Grand View Ct, Pathfinder Ave, Morris Ave$769

Insurance rates are influenced by a number of factors including:

  • Year Built: 4,625 Homes (14% of total homes ) built between 1950 to 1959 in Cheyenne are paying home insurance between $1,375-$1,386. Places close to Cheyenne, WY such as Ranchettes, Cheyenne East, Cheyenne West are more expensive by $90, $66, $82 respectively while Fox Farm-College and South Greeley are cheaper by $90 and $85 respectively for similar homes.
  • Bedrooms: 9,133 2 bedrooms homes (27% of total homes ) in Cheyenne are paying about $395 in contrast with Ranchettes (+$18), Cheyenne East (+$12), Cheyenne West (+$17), Fox Farm-College (-$18) and South Greeley (-$10).
  • Auto Insurance Bundling: 8,111 Households (40% of all households) in Cheyenne have 2 vehicles available and when it is bundled with home insurance you can save $146. Discounts for similar bundling in close by locations such as Fox Farm-College, Warren AFB, South Greeley come to $136, $145, $137 respectively.
  • Senior Discounts: 9,320 seniors (more than 55 years) occupied housing units (46% of total) in Cheyenne get discounts between $109 to $111. The comparative concessions in proximate regions such as Fox Farm-College, Warren AFB and Ranchettes are $102, $109 and $116 respectively.
  • New Homes discounts: New homes such as the 12,018 homes built between 2000 to 2009 in Cheyenne can save $146 compared to Fox Farm-College ($136), Warren AFB ($145), South Greeley ($137).

Cheyenne Homeowners insurance Facts

  • Cheyenne, WY has 19,947 owner occupied houses which is 66.3% of all units whereas Fox Farm-College, Warren AFB and South Greeley have 71.94%, 2.74% and 81.24% respectively.
  • Cheyenne, WY homeowners yearly insurance price at $731 is 0.44% of the typical house value of $165,800 which is in contrast with 2.18% in Fox Farm-College, 0.46% at Warren AFB & 1.97% in South Greeley.
  • Homeowners in Cheyenne, WY pay 2.66% of their income ($25,000 to $29,999) in insurance whereas homeowners in Fox Farm-College, Warren AFB and South Greeley pay 2.49%, 2.65% and 2.49% respectively.
  • Cheyenne, WY’s insurance is 4.7% of monthly housing costs of $1,309/month, for owners with a mortgage compared to 5.72% in Fox Farm-College, 5.4% at South Greeley & 3.58% in Ranchettes. But, for households without a mortgage, insurance is 15.2% of costs ($400 in Cheyenne, WY) in contrast with 14.18% in Fox Farm-College, 12.51% at South Greeley & 14.52% in Ranchettes.

Cheyenne, WY Home Values & Insurance rates

For example, insurance for 1,323 Homes (6.0% of total homes ) valued between $300,000 to $399,999 in Cheyenne, WY is about $1,542. Rates in nearby areas in such as Ranchettes, Laramie County, Cheyenne East are cheaper by $654, $95, $553 respectively while South Greeley and Nunn are costlier by $5,352 and $928 respectively for similar homes.

Cheyenne, WY Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,265 11.0% $109
$50,000 to $59,999 263 1.0% $226
$70,000 to $79,999 194 1.0% $328
$80,000 to $89,999 459 2.0% $372
$90,000 to $99,999 299 1.0% $416
$100,000 to $124,999 2,041 10.0% $482
$125,000 to $149,999 2,586 13.0% $599
$150,000 to $174,999 2,891 15.0% $716
$175,000 to $199,999 2,523 13.0% $826
$200,000 to $249,999 2,866 14.0% $994
$250,000 to $299,999 1,389 7.0% $1213
$300,000 to $399,999 1,323 6.0% $1542

Renters Insurance in Cheyenne

  • Average Renters Insurance in Cheyenne :  $186($15/month)

  • Median Gross Rent in Cheyenne :  $720

  • Cheyenne Renters Insurance to Median Rent Ratio:  2.08%

  • Average household size of renter-occupied unit :  2.26

Cheyenne Renters Insurance as a Percentage of Rent

Cheyenne Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 115 1.0% $346
$200 to $299 308 3.0% $796
$300 to $499 1,434 14.0% $1246
$500 to $749 3,435 35.0% $1921
$750 to $999 2,240 23.0% $2671
$1,000 to $1,499 1,752 18.0% $3796
$1,500 or more 318 3.0% $5446

Rent Affordability in Cheyenne:

Approximately 34.0% (3,490) of households are spending more than 35% of their income on gross rent in Cheyenne

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,287 12.0%
15.0 to 19.9 percent 1,508 14.0%
20.0 to 24.9 percent 1,762 17.0%
25.0 to 29.9 percent 1,358 13.0%
30.0 to 34.9 percent 716 7.0%
35.0 percent or more 3,490 34.0%

Cheyenne Renters Insurance Discounts:

Cheyenne Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Cheyenne, WY Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,088 50.0% $18.6
2 vehicles available 2,595 25.0% $27.9
3 or more vehicles available 1,276 12.0% $37.2

Cheyenne Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 688 6.0% $72
60 to 64 years 530 5.0% $57
65 to 74 years 520 5.0% $46
75 years and over 762 7.0% $36

Protective device discount in Cheyenne Up to :  $27

Claims-free discount in Cheyenne Up to :  $37