Cheapest Auto Insurance in Cheyenne, Wyoming (2024)

Safeco offers the cheapest car insurance in Cheyenne, with rates starting at $42 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
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  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
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  • 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.

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Updated June 13, 2024

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The average monthly premium for car insurance in Cheyenne is $68 for a liability-only policy and $180 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Safeco4.2$123$42Local agents
Progressive4.2$115$46Young drivers
Dairyland3.5$150$53Drivers 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for local insurance agents: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
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.
$57/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.
$136/mo

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

Read our Safeco review
Sharon - June 12, 2024
Verified

Feel like you are bothering the agent with questions

The agent does not call back after leaving several messages. You must persistently contact the agent to get answers to your questions.

John - June 11, 2024
Verified

Unhappy Customers

We had a wonderful policy as two seniors on a fixed budget because it was affordable. However, when it came time to renew for another year, our rates were raised by over $500. Absolutely nothing has changed on our driving record, except for us being one year older. It appears to us that seniors with impeccable records are also punished and lumped in with the irresponsible drivers on today's roads.

Angela - June 10, 2024
Verified

Don't Insure with Safeco

It was a terrible experience. I spent two days trying to add my new vehicle to my policy, but I couldn't get anyone at the agent's company to answer the phone. Safeco wouldn't make any changes to my policy without going through the agent. I ended up canceling my policy and going with another company so I could get it insured.

Best insurer for young drivers: Progressive

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$79/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.
$134/mo

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

Read our Progressive review
Jeanette - June 13, 2024
Verified

The customer service was great! However, the cost for my auto insurance is too high for me considering I am on my own. I'm looking for something a bit more affordable for myself.

The customer service was great! However, the cost for my auto insurance is too high for me considering I am on my own. I'm looking for something a bit more affordable for myself.

Sandra - June 13, 2024
Verified

Vehicle and Home Insurance

So far, it's been very good.

James - June 12, 2024
Verified

If You Stay, Be Prepared to Pay More

Like all insurance companies, the longer you stay, the more you pay. They've raised premiums exorbitantly over the last few years.

Best insurer for drivers with DUIs: Dairyland

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
A.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+
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.
$148/mo

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

Read our Dairyland review
Patricia - June 13, 2024
Verified

I Would Like My Rate to Decrease a Little

It's fair, but the only hard thing is getting to a representative.

Calvin - June 13, 2024
Verified

Good Value

The price was good, even with the need for an SR22. However, my policy lapsed over a weekend. I received a no-insurance ticket because they wouldn't backdate my renewal.

Rachel - June 6, 2024
Verified

Excellent

It's been wonderful.

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

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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 $68 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Dairyland$52
Safeco$57
Bristol West$86
Foremost$121
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 $180 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Safeco$136
Dairyland$148
Bristol West$239
Foremost$371
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.

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] 

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance can cover expenses if your vehicle sustains damage in non-collision events, such as vandalism, theft, and harsh weather conditions.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Dairyland$52$75$73$89
Safeco$57$83$77$98
Bristol West$86$123$118$148
Foremost$121$190$184$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.

AgeAverage 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

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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 $68 for a liability-only policy and $180 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. AM Best. "A.M. Best Affirms Ratings of The Progressive Corporation and Its Subsidiaries."
  2. Wyoming Association of Sheriffs and Chiefs of Police. "Alcohol and Crime in Wyoming."
  3. Better Business Bureau. "Dairyland Insurance."
  4. Wyoming Department of Transporation. "Frequently Asked Questions."
Anna Baluch
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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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

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