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Driving in and around Cheyenne tends to be a rather uneventful experience, and when it comes to safety on the road, that’s not a bad thing at all! As the capital of Wyoming, it’s home to roughly 65,000 people and has a rather sprawling nature. The flat terrain here can help make driving safer; however, winter weather can make roads very tough to navigate. It’s advised that you consider your auto insurance coverage before you get behind the wheel in Cheyenne.
The average cost of Wyoming car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Cheyenne, WY to find you the cheapest quotes in the area.
Here are the cheapest carriers in Cheyenne for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 State Farm | $61/mo |
 Allstate | $65/mo |
 The General | $152/mo |
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Cheyenne. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
 American Family | $213/mo |
| Casper | $150/mo |
| Laramie | $122/mo |
| Gillette | $150/mo |
| Rock Springs | $124/mo |
| Cheyenne | $93/mo |
| Wyoming | $128/mo |
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Every state has at least a few different rules when it comes to car insurance. Wyoming requires minimum liability insurance coverage for every vehicle registered in the state. These minimum coverages are:
The last component is not required. However, to reject uninsured motorist coverage, Wyoming drivers must do so in writing.
As average auto insurance rates suggest, teen and young adult drivers bear the most financial burden in Cheyenne. Because insurance companies use auto accident statistics to understand risk and set rates, these high-risk age groups can pay significantly more for their monthly insurance premium than drivers their parents’ and grandparents’ ages do. Premiums for teen motorists and drivers in their 20s average out to $268, more than three times as much as the average cost for drivers in their 60s.
| Driver's Age | |
|---|---|
| teens | $333 |
| 20s | $204 |
| 30s | $166 |
| 40s | $109 |
| 50s | $108 |
| 60s | $88 |
| 70s | $126 |
| 80s | $142 |
| Driving History | |
|---|---|
| No Violation | $160 |
| Speeding Ticket | $213 |
| At-Fault Accident | $310 |
| Failure to Stop for Red Light / Stop Sign | $188 |
'A clean driving record may get you lower rates when you apply for a policy, but it’s essential to keep it that way to avoid increases. While initial insurance rates are set when you agree to your policy, rates can change when risky driving behavior indicates that it''s time for your rates to go up. Insurance companies are aware of any violations because they review your driving record when it''s time to renew your policy (usually every six months). Cheyenne drivers with no violations pay $268 for insurance on average, while someone with an at-fault accident on their record pays more, at $369.'
Though there’s more to a credit score than just paying your bills on time, drivers who do are more likely to see the benefits when it comes to calculating their car insurance rates. Along with variables like your age and ZIP code, credit-based insurance scores are used by insurance companies to determine your risk. It’s been shown that people who can manage their money are a lower claims risk than people who can’t. Therefore, they are charged less in insurance premiums. In Cheyenne, motorists with an excellent credit score can expect to pay an average of $202 for car insurance.
| Credit Tie | |
|---|---|
| Excellent | $203 |
| Good | $189 |
| Average | $178 |
| Poor | $177 |
Visiting the DMV is a breeze in Cheyenne, with several locations around the city to meet various driving needs. The Wyoming Department of Transportation Driver’s License Services office is situated in the southwestern part of the city and is open from 8 a.m. to 4:30 p.m. Monday through Friday. DMV Digital Services and other locations have varying hours and are able to assist drivers with a range of concerns.
If you need to get around Cheyenne but don’t have a car, some planning ahead might be required. The city does offer fixed-route bus service, but it isn’t operational after 7 p.m. on weekdays. Service ends at 5 p.m. on Saturdays, and there are no buses available on Sundays. During evening and weekend hours, taking an Uber or Lyft is likely your only option.
Driving in Cheyenne is one of the less stressful experiences you’ll have compared to other cities in the nation, but it’s important to ensure you’re alert while on the road even if you know where you’re going. Winter weather can be dangerous, so it’s advised that you enroll in auto coverage that provides you protection and peace of mind.
It’s smart to evaluate your car insurance every so often to make sure it’s meeting your needs, but that doesn’t mean you have to spend hours doing research. Instead, visit Insurify today to see how your current policy compares to others. Many drivers are able to find a policy that saves them money and provides them with the perfect level of protection they’re after.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Cheyenne drivers measure up to their fellow Wyoming motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Cheyenne drivers rank 1 in the number of car accidents per driver across all cities in Wyoming.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Wyoming, Cheyenne drivers rank 3 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Cheyenne drivers rank 3 in the number of DUI’s per driver across all cities in Wyoming.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Cheyenne is the Ford F-Series Pickup.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Wyoming, Cheyenne drivers rank 1 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Cheyenne drivers rank 2 in clean driving records across all cities in Wyoming.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Cheyenne drivers rank 2 in failure to yield violations per driver across all cities in Wyoming.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Wyoming, Cheyenne drivers rank 1 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Cheyenne drivers rank 1 in hybrid and electric vehicle ownership across all cities in Wyoming.
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
The state of Wyoming offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Cheyenne won Insurify's Most Patriotic Cities Award for the state of Wyoming. The Cheyenne Regional Airport, a civil-military airport, saw the outfitting and maintenance of hundreds of fighter planes during World War II.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
