Cheap Auto Insurance Quotes in Cheyenne, WY (2023)

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.

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• Cheap Car Insurance Wyoming

• Compare Car Insurance

Cheapest Car Insurance in Cheyenne, WY

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies that offer car insurance in Cheyenne. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Wyoming

All motor vehicles operated or parked on Wyoming roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Wyoming^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Wyoming is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $20,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorists

• $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Wyoming, drivers are only required to purchase this coverage for bodily injury.

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.

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.'

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• High-risk Car Insurance Wyoming

• DUI Car Insurance Wyoming

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.

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Find local Cheyenne agents

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.

For more detailed Wyoming city level guides, check out these below.

• Average Cost of Car Insurance Rates in Wyoming

• DUI Car Insurance Rates in Wyoming

• High-Risk Driver Car Insurance Rates in Wyoming

• Wyoming Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Wyoming

• SR-22 Insurance in Wyoming

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.

FAQs - Cheyenne, WY Car Insurance