Cheapest Auto Insurance in Cheyenne, Wyoming (2025)
Safeco offers the cheapest car insurance in Cheyenne, with rates starting at $42 per month.
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The average monthly premium for car insurance in Cheyenne is $62 for a liability-only policy and $113 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 55,000 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
Best insurer for young drivers: Progressive
Best insurer for drivers with DUIs: Dairyland
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.
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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 $62 per month.
Here’s a look at the auto insurance companies offering the lowest rates for liability coverage in Cheyenne.
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 $113 per month.
The table below shows the most affordable auto insurers in the city for full-coverage insurance.
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
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:
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.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
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 $62 for a liability-only policy and $113 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.
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