How Much Does Life Insurance Cost in Cheyenne, WY?
Cheyenne pricing is 12% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Cheyenne's diversified economy.See our methodology
Life Insurance Pricing in Cheyenne, WY
Cheyenne is one of the more affordable markets for life insurance, with costs running about 12% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 65K-population metro area is straightforward.
Local climate plays a direct role in life insurance costs here. High altitude affects HVAC efficiency; dry climate and intense UV degrade exterior surfaces.
Market-specific factors matter in Cheyenne: rapid population growth in many mountain cities has tightened contractor availability.
Cheyenne has moderate permitting requirements. Depending on the scope of your life insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Cheyenne vs National Average
What Affects Life Insurance Cost in Cheyenne?
Policy Type
20-year term: $20-$60/mo. Whole life: $150-$500/mo (for same coverage)
Coverage
$250K: $15-$30/mo. $500K: $25-$50/mo. $1M: $40-$90/mo (healthy 35-year-old, term)
Cheyenne Market Conditions
rapid population growth in many mountain cities has tightened contractor availability
Local Climate Impact
high altitude affects HVAC efficiency; dry climate and intense UV degrade exterior surfaces
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Top-Rated Life Insurance Pros in Cheyenne, WY
6 providersPremier Contractors
⭐ PREMIUMServing Cheyenne and surrounding areas since 2015. Licensed, insured, and committed to quality workmanship at fair prices.
Elite Contractors
⭐ PREMIUMServing Cheyenne and surrounding areas since 1995. Licensed, insured, and committed to quality workmanship at fair prices.
Reliable Electrical
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Tips to Save on Life Insurance in Cheyenne
- 1.Term life is 5-10x cheaper than whole life and sufficient for most people
- 2.Buy younger — rates increase significantly with age
- 3.Maintain good health to qualify for preferred rates
- 4.Compare quotes from multiple providers
📈 Life Insurance in Cheyenne Cost Trends (2020–2024)
Prices have increased +18.9% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $37 | — |
| 2021 | $39 | +5.4% |
| 2022 | $42 | +7.7% |
| 2023 | $43 | +2.4% |
| 2024 | $44 | +2.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Life Insurance in Cheyenne
Recent Reports
Frequently Asked Questions
How much life insurance do I need?
A common guideline is 10-15x your annual income. Consider debts, childcare costs, and future expenses like college.
Why does life insurance cost different in Cheyenne than other cities?
Cheyenne's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
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