Cheapest Auto Insurance in Cheyenne, Wyoming (2024)
Safeco offers the cheapest car insurance in Cheyenne, with rates starting at $42 per month.
Excellent
)
Written byAnna Baluch
)
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
Featured in
){kind=small}
){kind=small}
){kind=small}
)
Edited byChris Schafer
)
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
Updated November 20, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
The average monthly premium for car insurance in Cheyenne is $71 for a liability-only policy and $147 for full coverage. These rates are more expensive than the state averages, possibly due to Cheyenne’s significant population density and higher crash rates. The good news is you can still find cheap car insurance in Cheyenne.
As you start your search for new car insurance in Cheyenne, here’s what you need to know.
Quick Facts
Safeco offers the cheapest car insurance in Cheyenne, with liability-only rates starting at $42 per month.
Cheyenne residents can also find affordable auto policies with Progressive and Dairyland.
People with good credit histories pay lower car insurance rates than people with poor credit.
3 of the cheapest car insurance companies in Cheyenne
The coverage rates you receive depend on many factors, including your location, ZIP code, driving history, credit, type of vehicle, and preferred coverage levels. Comparing quotes from several insurers is the best way to find the most affordable policy for you.
As you start your search, you may want to explore Safeco, Progressive, and Dairyland, three car insurance companies with lower rates for Cheyenne residents.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Safeco | 8.3 | $123 | $42 | Local agents |
| Progressive | 8.4 | $115 | $46 | Young drivers |
| Dairyland | 7.0 | $150 | $53 | Drivers with a DUI |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for local insurance agents: Safeco
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $60/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $132/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
If you like the idea of working with a local agent, Safeco should be on your radar. This insurer has local agents throughout the Cheyenne area. Safeco offers other perks besides local service, including diminishing deductibles for safe drivers and the Guaranteed Repair Network for auto repair service.
Pros
Offers the lowest liability-only rates in Cheyenne
Diminishing deductibles available for safe drivers
Cons
Limited discounts available
Below-average customer satisfaction ratings for auto insurance claims
Best insurer for young drivers: Progressive
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 819 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $152/mo |
How drivers feel about Progressive
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (5,794)
Steven
November 19, 2024
Verified Review
I'll Stay with Them, No One Can Beat Them!
They are the cheapest I have found!
Lesley
November 16, 2024
Verified Review
Disappointed
If you want to use the auto pay feature, you have to do snapshot.
Joyce
November 14, 2024
Verified Review
Unfair Pricing
They initially offered a low price, but then added $100 after three months without any notice. I tried to contact them about it, but they either did not answer the phone or responded in a hostile manner. As a result, I had to cancel and find coverage elsewhere.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Cheyenne is home to numerous young drivers who attend schools such as East High School, Central High School, and Laramie County Community College. If you’re the parent of one of these students in Cheyenne, you may be able to land a great deal on an auto policy with Progressive. Progressive offers a variety of car insurance discounts that can apply to students, including a good student discount, distant student discount, and teen driver discount.
Pros
A+ financial strength rating from AM Best[1]
Multiple discounts advertised
Cons
No anti-theft device discount
Snapshot telematics program can increase rates for some drivers
Best insurer for drivers with DUIs: Dairyland
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $144/mo |
3.6
A solid optionBased on 246 verified guest reviews and ratings
How drivers feel about Dairyland
Drivers appreciate the low prices, honesty, and good customer service but dislike the frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
How drivers feel about Dairyland
Drivers appreciate the low prices, honesty, and good customer service but dislike the frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Hard-to-insure drivers
Customer satisfaction
RV and motorcycle coverage
Reviews (133)
Oliver
November 5, 2024
Verified Review
Review Option
The insurance premium is too high without much coverage.
Stephen
November 5, 2024
Verified Review
Excellent
I paid them every month and they insured my car every month. It's not rocket science.
Pamela
November 4, 2024
Verified Review
Cheaper Coverage
I have recommended Dairyland to many people as they are the best I've had. However, my financial situation has changed and it's become difficult to make ends meet. So, I'm exploring options to reduce some of my bills.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.61A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
There were 655 alcohol-related crashes in Laramie County in 2021, according to the Wyoming Association of Sheriffs and Chiefs of Police.[2] If you’ve been convicted of a DUI in Cheyenne and need to file an SR-22, Dairyland may be a good option. Dairyland can take care of your SR-22 form for free and offers more affordable rates than many other insurers.
Pros
No filing fees for SR-22 insurance
Many excellent customer reviews
Cons
Has more complaints than other smaller insurers[3]
Limited add-ons advertised
How to get the cheapest car insurance in Cheyenne
Factors like your age, driving record, marital status, and credit history play a role in your car insurance costs. Some of these factors are outside of your control, but you can do some things to set yourself up for lower rates:
Shop around. Request quotes from at least three different insurance companies. Then, compare rates and policies to zero in on the most affordable option.
Bundle. If you need another type of insurance policy, like home insurance or renters insurance, you may save some money by bundling it with your auto policy.
Explore discounts. Many car insurers offer a variety of discounts to policyholders. These may include a loyalty discount, a good student discount, and an anti-theft device discount.
Find Cheap Car Insurance in Cheyenne
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Cheyenne: Safeco
Wyoming law requires drivers to carry at least liability car insurance. This type of policy covers the other party’s property damage and medical bills in an accident you cause. However, liability coverage doesn’t provide any compensation for your losses. Because of this, it’s typically the cheapest type of coverage available.
The average rate for liability-only insurance in Cheyenne is $71 per month.
Here’s a look at the auto insurance companies offering the lowest rates for liability coverage in Cheyenne.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Dairyland | $52 |
| Safeco | $60 |
| Bristol West | $79 |
| Foremost | $118 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Cheyenne: Progressive
Full-coverage car insurance usually includes liability, collision, and comprehensive coverage. While it’s more expensive than minimum liability insurance, it can give you additional protection while on the road. A full-coverage policy is also generally required if you have a loan or lease on your vehicle.
The average rate for full-coverage insurance in Cheyenne is $147 per month.
The table below shows the most affordable auto insurers in the city for full-coverage insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Safeco | $132 |
| Dairyland | $144 |
| Bristol West | $215 |
| Foremost | $362 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Cheyenne, Wyoming
Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $99/mo for full coverage in Cheyenne and other Wyoming cities.
*Quotes generated for Insurify users in and around Cheyenne, Wyoming within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Cheyenne, Wyoming within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Wyoming
Wyoming is an at-fault or tort state, meaning the driver liable for an accident must pay for the property damage and medical expenses of the other parties. This can be done through their auto insurer or out of pocket. Drivers in the state must also show proof of insurance or face hefty fines and other consequences.
To drive legally in Wyoming, you need car insurance that meets or exceeds the following requirements:[4]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $20,000 per accident |
While these levels meet state-minimum requirements, you may wish to pursue some optional coverages to avoid high out-of-pocket costs in different situations. These coverages can include:
Comprehensive coverage
Comprehensive insurance can cover expenses if your vehicle sustains damage in non-collision events, such as vandalism, theft, and harsh weather conditions.
Collision coverage
Collision insurance can pay to repair or replace your vehicle if you’re in an accident with another driver or stationary object, no matter who’s at fault.
MedPay coverage
Medical payments coverage pays for some of the medical bills for you and your passengers after an accident, regardless of who’s responsible.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you get into an accident with a driver who doesn’t have sufficient car insurance coverage or has no coverage at all. This type of coverage is automatically included in Wyoming policies but can be rejected in writing.
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and DUIs are all examples of incidents that can increase your car insurance rates or cause you to lose coverage altogether.
If you have an incident on your record, insurance companies generally perceive you as a high-risk driver who’s more likely to file a claim. That’s why Cheyenne drivers with clean records typically pay lower premiums.
Here’s a look at the insurance companies offering the cheapest average car insurance quotes in Cheyenne based on driving history.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| Dairyland | $52 | $76 | $76 | $92 |
| Safeco | $60 | $89 | $88 | $99 |
| Bristol West | $79 | $117 | $117 | $139 |
| Foremost | $118 | $185 | $185 | $208 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Your age can have a significant effect on your car insurance costs. Teen drivers and young adults pay the most for car insurance coverage due to their limited driving experience and increased propensity for risky driving behaviors.
Fortunately, average premiums tend to decrease around age 35 before increasing again around age 70. This is the result of physical and mental impairments senior drivers often face, including poor vision and slower reflexes.
The table below shows the cheapest car insurance quotes for Cheyenne residents by age.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $301 |
| 20s | $226 |
| 30s | $162 |
| 40s | $154 |
| 50s | $129 |
| 60s | $114 |
| 70s | $132 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Cheyenne
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheyenne car insurance quotes by credit tier
Wyoming, like most states, allows car insurance companies to factor a person’s credit history into the underwriting process. This means drivers with good credit generally lock in lower rates than people with poor credit histories.
The table below shows average premiums for Cheyenne drivers based on credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheyenne car insurance FAQs
If you still have questions about how to find the most affordable car insurance in Cheyenne, the following answers to some frequently asked questions can help.
How much is car insurance in Cheyenne?
The average monthly premium for car insurance in Cheyenne is $71 for a liability-only policy and $147 for full coverage. These rates exceed Wyoming’s statewide averages, likely due to Cheyenne’s increased population density.
Who has the cheapest car insurance in Cheyenne?
Safeco offers the cheapest liability-only rates in Cheyenne, at $42 per month. Progressive offers the most affordable full-coverage rates, at $115 per month. Keep in mind the most affordable insurer for you may be another company. That’s why it’s always important to compare rates from several companies before choosing the right insurer for you.
What are the best car insurance companies in Cheyenne?
Safeco, Progressive, and Dairyland have been identified as three of the top insurers in Cheyenne. Safeco and Progressive routinely offer the lowest rates for liability only and full coverage, respectively. Meanwhile, Dairyland remains an affordable option for drivers with past incidents on their record.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Wyoming
Sources
- AM Best. "A.M. Best Affirms Ratings of The Progressive Corporation and Its Subsidiaries."
- Wyoming Association of Sheriffs and Chiefs of Police. "Alcohol and Crime in Wyoming."
- Better Business Bureau. "Dairyland Insurance."
- Wyoming Department of Transporation. "Frequently Asked Questions."
)
Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
)
)
)
)
)