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Key Takeaways

  • In Cheyenne, a year's cost of auto insurance normally costs $2232.
  • For the typical insurance customer in Cheyenne, Erie offers the most reasonable prices.
  • According to the average cost of auto insurance in the city of Cheyenne, young adults and teenagers are the most financially burdened drivers.
  • Married policyholders in Cheyenne get a little reduction on their car insurance.
  • Driving in Wyoming requires a valid driver's license, car registration, and insurance.

Car Insurance for Cheyenne

Regarding road safety, driving in and around Cheyenne is frequently boring but good. It is home to about 65,000 people and is relatively spread out, serving as Wyoming's capital. Although the area's flat terrain can help make driving safer, winter conditions can make it quite difficult to negotiate the roadways. In Cheyenne, you must think about your auto insurance coverage before you start driving.

How Much Does Car Insurance Cost in Cheyenne?

A year of car insurance typically costs $2232 in Cheyenne. That is more expensive than Wyoming's $2201 state average and $1557 national average. Our guide to Cheyenne auto insurance offers average rates based on variables including age, marital status, credit score, driving history, and driving record.

Cheyenne (annual average) Wyoming (annual average) United States
$2232 $2201 $1557

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Cheyenne Auto Insurance Premiums by Company

One of the most important variables in determining your auto insurance premiums is your chosen insurance company. Erie offers the most affordable rates in Cheyenne for the typical insurance customer. The list below includes the cheapest auto insurance companies in Cheyenne.

Company Average Annual Premium
State Farm $742
Allstate $790
The General $1834

Cheyenne Auto Insurance Premiums by Age Group

Teenage and young adult drivers in Cheyenne face financial burdens, as indicated by the city's average car insurance prices. In addition, these high-risk age groups may pay more monthly for their insurance premium than their parents and grandparents since insurance firms utilize auto accident statistics to gauge risk and establish prices. More than three times as expensive as premiums for drivers in their 60s, teen drivers and drivers in their 20s pay an average of $268 in premiums.

Age Group Average Annual Premium
Teens $4002
20s $2452
30s $1998
40s $1314
50s $1302
60s $1068
70s $1518

Cheyenne Auto Insurance Premiums by Marital Status

Overall, married policyholders receive a auto insurance. Typically, this comes down to policyholders insuring many cars under one umbrella, which some insurers may reward with savings.

Married drivers typically pay less for car insurance than single drivers nationally. These rates also apply to Cheyenne, where the monthly difference is about $6.

Marital status Average Annual Premium
Single $690
Married $762
Divorced $432
Widowed $378

Cheyenne Auto Insurance Premiums by Gender

Contrary to the general pattern, males pay $630 per year for coverage while women pay $690 in Cheyenne, where women often pay more for auto insurance.

Gender Average Annual Premium
Male $630
Female $690

Cheyenne Auto Insurance Premiums by Driving Record

Your driving history might have a significant impact on your premiums. Your rate will drop if you have a spotless driving record compared to someone with at least one accident or moving violation. For example, one accident on your driving record in Cheyenne will often cost $630 per month. Similarly, on average, drivers who receive one ticket usually pay about $918.

Accidents, fines, and other traffic violations can be quite costly to your budget. Maintain a spotless driving record and safe driving methods to reduce monthly costs.

Penalty Average Annual Premium
One accident $630
Multiple accidents $1242
One ticket $918
Multiple tickets $834

Cheyenne Auto Insurance Premiums by Credit Rating

Credit rating Average Annual Premium
Excellent $2442
Good $2280
Average $2076
Poor $2138

Individuals proficient in money management are less likely to file claims than those who aren't. They pay lower insurance premiums as a result. Excellent credit score drivers in Cheyenne may consider paying an average of $2442 for auto insurance.

Cheyenne Auto Insurance Premiums by Zip code

Zip code Average Annual Premium
82001 $742
82007 $838
82009 $742

Drivers' auto insurance premiums in Cheyenne typically range from the highest in the 82001-zip code to the lowest in the 82007 and 82009 zip codes.

How to Get Cheap Auto Insurance in Cheyenne, Wyoming

Living in Cheyenne means paying higher insurance premiums than the national average. However, saving money on insurance is an excellent strategy to free up money in your budget when combined with an already high cost of living overall. Here are some quick and easy strategies to reduce the cost of your Cheyenne auto insurance.

Frequently shop and compare prices

Yes, buying auto insurance doesn't have to be a one-and-done process. Instead, industry professionals advise comparing quotations from at least three businesses and looking for new prices every six months!

Look for discounts

Finding discounts is the one insurance cost-cutting tip that involves some effort on your part. Although all insurance companies provide them, they are not all the same, and businesses frequently choose not to promote them directly. Ask your insurance provider about the following discounts:

  • Good driver discounts: Drivers in Cheyenne are lucky because state law requires insurance discounts of 20% for those with one or fewer points on their licenses. It also applies to those who keep their license continuously for three years without being at fault in any accidents resulting in injury or fatality.
  • Good student discounts: Are you enrolled full-time in high school or college? Have you earned a B or higher? Your insurance provider will likely give you a discount.
  • Bundling discounts: if you combine your renters' insurance and auto insurance with the same provider, you may be able to save money on both plans.
  • Your deductible amount: If you have full coverage auto insurance, you can easily reduce your monthly costs without sacrificing coverage by raising your deductible.
  • Telematics discount: You must demonstrate a lengthy history of safe driving for a state-mandated good driver discount. However, many businesses provide simple-to-win discounts to drivers who use telematics to monitor their driving behaviors. For registering, you might be eligible for a discount!

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Auto Insurance in Cheyenne: Minimum auto insurance requirements in Wyoming

Bodily Injury and Property Damage:

  • $25000 per person
  • $50000 per accident
  • and $20000 for property damage.

Auto theft statistics in Cheyenne

Year Auto thefts (per 1000)
2006 123
2007 88
2008 110
2009 111
2010 85
2011 60
2012 96
2013 88
2014 84
2015 100
2016 198
2017 184
2018 175

Accident statistics in Cheyenne

About 12 cars were involved in fatal collisions in 2019. There were consequently 12 cars, 23 individuals, and seven fatalities. Additionally, one of the city's deadly accidents also involved a pedestrian. Try to obtain a comprehensive insurance plan that includes collision coverage.

Be prepared for driving in Cheyenne

Here are some tips which will help you to drive safely in Cheyenne.

  • You must possess a driver's license, car registration, and insurance to drive in Wyoming.
  • Additionally, you will require proof of insurance and car registration.
  • Except in extraordinary circumstances where children occupy all of the back seats, or you must ride in back seats with kid car seats that have received federal approval.
  • He was driving while drunk (DUI) is a very serious crime. Thus, you must avoid any circumstances that might result in breaking the law.
  • Even though routine car inspections are not required here, unlike in some other places, checking your brakes, suspension, and fluid levels is still good practice before you leave the house.

Car insurance companies in Cheyenne, Wyoming

  • State Farm
  • All State
  • The General

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQs

How much is car insurance per month in Cheyenne?

The average annual price for a full-coverage policy in Cheyenne is $2232. However, your rates may differ because these costs depend on individual characteristics, including age, driving history, ZIP code, etc.

Do you need insurance in Cheyenne?

All drivers in Cheyenne are required by law to have a minimum of 25/50/20 insurance coverage. Your insurance policy must therefore provide a minimum of $25,000 in coverage for physical injury per person, a maximum of $50,000 per accident, and $20,000 in coverage for property damage.

Is Wyoming a no-fault accident state?

Wyoming is an at-fault state for car accidents. The first thing to understand is that Wyoming adheres to the standard fault-based system regarding financial responsibility for losses resulting from an accident, such as car accident injuries, lost income, car damage, etc.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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