Cheap Auto Insurance Quotes in Cheyenne, WY (2021)

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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.

Car Insurance in Cheyenne, WY

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.

$61
$65
$152
State FarmAllstateThe General

Cheapest Car Insurance in Cheyenne

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.

Best Car Insurance in Cheyenne, WY

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.

Average Car Insurance Cost

$128
$150
$122
$150
$124
$93
WyomingCasperLaramieGilletteRock SpringsCheyenne

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Cheyenne, WY Driving Facts

wyoming

Minimum Car Insurance Requirements in WY

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:

  • $25,000/$50,000 bodily injury liability per person/accident
  • $20,000 property damage liability coverage
  • $25,000/$50,000 uninsured motorist bodily injury coverage

The last component is not required. However, to reject uninsured motorist coverageWyoming drivers must do so in writing.

Cheyenne Car Insurance Rates by Driver Age

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.

Driving History
No Violation$160
Speeding Ticket$213
At-Fault Accident$310
Failure to Stop for Red Light / Stop Sign$188

Cheyenne Car Insurance Rates by Driving and Accident History

'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.'

Cheyenne Car Insurance Rates by Credit Tier

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.

Cheyenne, WY DMV Information

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.

Public Transportation in Cheyenne, WY

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.

Conclusion: How to get the best and cheapest car insurance in Cheyenne, WY

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.

Find local Cheyenne agents

Burns Insurance Agency, Inc. 
237 Storey Blvd, Cheyenne, WY 82009
Knifong Insurance Agency, Inc. 
2005 Warren Avenue, Cheyenne, WY 82001
Wyoming Farmers Union Service Association 
4713 Storm Ct, Cheyenne, WY 82009-5836
Knifong Insurance Agency (FUSA) 
2005 Warren Ave, Cheyenne, WY 82001-3725
Rocky Mountain Capital Agency 
500 W 27th, Cheyenne, WY 82001-3031
Wyoming Financial Insurance, Inc. 
1620 E Pershing Blvd, Cheyenne, WY 82001-3238
HI Country Insurance
2723 Central Ave, Cheyenne, WY 82001
Elevate Insurance Agency 
1114 Logan Avenue #100, Cheyenne, WY 82001
HUB International 
7338 Stockman St Ste B, Cheyenne, WY 82009-6014
Rocky Mountain Capital Agency
500 W 27th St, Cheyenne, WY 82001

Insurify Insights: How Cheyenne Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Cheyenne, WY
suspended licenses
#3
Cities with Most
Suspended Licenses Rank

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.

Accidents Cheyenne

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.

  • Rank within state: #1
  • Percent of drivers in Cheyenne with an accident: 12.01%
  • Drivers in Cheyenne, WY with an accident in their driving history paid on average 75.94% more than drivers with a clean record

Speeding Cheyenne

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.

  • Rank within state: #3
  • Percent of drivers in Cheyenne with a speeding ticket: 12.52%
  • Drivers in Cheyenne, WY with a speeding ticket in their driving history paid on average 48.12% more than drivers with a clean record

DUI/DWIs Cheyenne

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.

  • Rank within state: #3
  • Percent of drivers in Cheyenne with a DUI: 3.67%
  • Drivers in Cheyenne, WY with a DUI in their driving history paid on average -99.25% more than drivers with a clean record

Most Popular Vehicle Cheyenne

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.

Rude Cheyenne

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.

  • Rank within state: #1
  • Percent of drivers in Cheyenne with a reckless driving violation: 3.67%
  • Drivers in Cheyenne, WY with a reckless driving violation in their driving history paid on average 22.56% more than drivers with a clean record.

Safest Drivers Cheyenne

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.

  • Rank within state: #2
  • Percent of drivers in Cheyenne with clean record: 74.08%

Failure to Yield the Right of Way Cheyenne

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.

  • Rank within state: #2
  • Percent of drivers in Cheyenne with a failure to yield violation: 0.51%
  • Drivers in Cheyenne, WY with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Cheyenne

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.

  • Rank within state: #1
  • Percent of drivers in Cheyenne with a reckless driving offense: 0.38%

Hybrid/Electric Vehicle Ownership Cheyenne

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.

  • Rank within state: #1
  • Percent of drivers in Cheyenne with a hybrid/electric vehicle: 0.2%

Green Driving in Cheyenne, WY

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.

Greenes Cities

Cheyenne

Greenes Cities
% of Hybrids / Electrics
2%
Most Patriotic City

Most Patriotic City

Cheyenne

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.


FAQs - Cheyenne, WY Car Insurance

Does Wyoming require drivers to have car insurance?

Like many other states, drivers in Wyoming must not only enroll in auto coverage before they drive but also carry proof of insurance with them in their vehicle. You must purchase at least the minimum level of coverage as dictated by the state.

What happens if I get into an accident in Cheyenne?

Wyoming uses the at-fault system for auto collisions, meaning that the person responsible for the accident will be using their insurance to pay for damages first. This system is one of the factors that contributes to car insurance rates in Cheyenne.

How can I find cheap auto coverage in Cheyenne?

If you’re looking for the best combination of low rates and robust coverage, visit Insurify. You can compare quotes from multiple carriers and enroll in a policy that meets your financial and driving needs.

Insurify Rate Comparison Methodology

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.