Cheyenne, WY Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Cheyenne, WY, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
The Average Rate of Car Insurance in Cheyenne, WY, is $1,395
The average cost of auto insurance in Cheyenne, WY, is $1,395. Car owners here can improve save more by comparing multiple auto insurance quotes from different auto insurers. The cost of auto insurance depends on numerous factors ranging from the vehicle’s make and model to the driver’s age.
Neighborhood:
The neighborhood one lives in Cheyenne can also have an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors like the vehicle’s make and model and the rate of auto thefts in the neighborhood, the price can vary.
Credit Score:
A healthy credit score will also determine the cost of one’s auto insurance. Possessing an “exceptional” or “good” credit score will reduce the cost of auto insurance for car owners, while a “poor” credit score can lead to a substantial increase in auto insurance.
Driving Record:
The driving record of car owners also has a direct impact on the cost of auto insurance. Getting charged for offenses such as DUI and driving without a proper license can have a long-term effect on Cheyenne’s auto insurance cost. Post-DUI, the average cost of auto insurance increases to $2,254.
Deductible:
Deductibles are among the most common factors affecting auto insurance rate in the country, and Cheyenne is no different. A high deductible leads to a decrease in auto insurance cost, while a low deductible can lead to an increase. The average price of auto insurance on a low deductible of $500 is $1,728. This goes down to $1,460 when the deductible is higher ($1,000).
Factors that can influence the cost of car insurance in Cheyenne, WY are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Cheyenne, WY Auto Insurance Rates
- Cheyenne, WY Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Cheyenne, WY
- Multi Vehicle Insurance Savings in Cheyenne, WY
- How Credit Score Affects Car Insurance Rates in Cheyenne, WY
- How DUI Affects Auto Insurance Premiums in Cheyenne, WY
- Top Auto Insurance Agents Near Cheyenne, WY
- How Driving Violations Affect Auto Insurance Rates in Cheyenne, WY
- Cheyenne, WY Auto Insurance Discounts on Anti Theft Feature
- Cheyenne, WY Auto Insurance Company Reviews
Cheyenne, WY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Cheyenne, WY with that of other cities in and around Cheyenne.
| Cheyenne | Hillsdale | Cheyenne East | South Greeley | Fox Farm-College | Warren AFB | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,395 | $2,100 | $1,475 | $1,303 | $2,008 | $1,806 |
Cheyenne, WY Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Cheyenne, WY based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Cheyenne | $1,728 | $1,460 |
| Fox Farm-College | $1,249 | $1,055 |
| Warren AFB | $1,860 | $1,571 |
| South Greeley | $1,414 | $1,195 |
| Ranchettes | $1,851 | $1,563 |
| Laramie County | $1,143 | $966 |
| Cheyenne East | $1,536 | $1,297 |
| Hillsdale | $2,163 | $1,827 |
Cheyenne, WY Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Cheyenne, WY usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,527 |
| 20 Years | $1,792 |
| 30 Years | $1,381 |
| 40 Years | $1,328 |
| 50 Years | $1,230 |
| 60 Years | $1,247 |
| 70 Years | $1,452 |
Cheyenne, WY Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Cheyenne, WY can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,372 | $419 |
| 3 Vehicles | $3,557 | $628 |
| 4 Vehicles | $4,743 | $837 |
Savings on 2 Vehicles bundle:$419
Savings on 3 Vehicles bundle:$628
Savings on 4 Vehicles bundle:$837
Cheyenne, WY Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Cheyenne, WY.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Cheyenne | $1,395 | $2,567 |
| Fox Farm-College | $2,008 | $3,695 |
| Warren AFB | $1,806 | $3,324 |
| South Greeley | $1,303 | $2,398 |
| Ranchettes | $1,515 | $2,788 |
| Laramie County | $1,406 | $2,588 |
| Cheyenne East | $1,475 | $2,715 |
| Hillsdale | $2,100 | $3,865 |
Cheyenne, WY Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,197 |
| Excellent (740-799) | $1,366 |
| Good (670-739) | $1,454 |
| Average (580-669) | $1,896 |
| Poor (300-579) | $2,275 |
Cheyenne, WY Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Aaa Mountain West | None | 2316 Dell Range Blvd Ste B, Cheyenne, 82009 | None |
| Bradley Gielissen | Allstate | 1439 Stillwater Ave Ste 4, Cheyenne, 82009 | (307) 634-6330 |
| Jay Poulignot | State Farm | 3348 Ridge Road, Cheyenne, 82001-1734 | 307-638-0286 |
| Ron Olson | State Farm | 2320 Dell Range Blvd Ste 100, Cheyenne, 82009-5163 | 307-635-1981 |
| Hub International | Allstate | 7338 Stockman St Ste B, Cheyenne, 82009 | (307) 632-6420 |
| Suzanne Cork | State Farm | 4515 E Pershing Blvd Unit F, Cheyenne, 82001-6093 | 307-635-3773 |
| Scott Mcfarland | State Farm | 3131 E Grand Ave Unit C, Laramie, 82070-5140 | 307-742-5246 |
Cheyenne, WY Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$61 | $1,456 |
| Driver's Failure In Showing Documents | +$135 | $1,530 |
| Driving With An Expired Registration | +$144 | $1,539 |
| Driving At A Considerably Slow Pace | +$303 | $1,698 |
| Using A Cellphone While Driving | +$319 | $1,714 |
| Running A Red Light | +$325 | $1,720 |
| Speeding | +$342 | $1,737 |
| Driving A Vehicle Without The Required Permission | +$434 | $1,829 |
| Driving With An Expired/Suspended License | +$940 | $2,335 |
Cheyenne, WY Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,339 |
| Active Disabling Device | $1,339 |
| Tracking Device | $1,311 |
| Passive Disabling Device | $1,297 |
Latest Auto Insurance Reviews in Cheyenne, WY | Back to Top
AllstateThey provide excellent customer service.The staff is very friendly in clearing our doubts.The office atmosphere is great.Their service is available at any time.They actually care about as a person not as a client.
MetlifeMetlife's policy offerings are comparable to other insurance providers. I have done comparisons in the past and the offerings are all very similar.
National GeneralCountry Financial Insurance was able to accommodate our families needs for policy coverage that makes us feel comfortable in the event that an accident has happened.
National GeneralCountry Financial Insurance was able to accommodate our families needs for policy coverage that makes us feel comfortable in the event that an accident has happened.
ProgressiveThe premium for my auto insurance is very competitive with other companies that I have received quotes from. As previously stated, the fact that I can bundle my insurance and receive credits is an additional incentive.