Car Insurance in Cheyenne, WY
The right car insurance in Cheyenne, WY, gives you peace of mind while you explore the Magic City of the Plains.Â
Cheyenne's approximately 65,000 residents typically enjoy short commute times of about 14 minutes each way. That is quite a bit shorter than the national average. The vast majority of workers (83.2%) drive alone to work, while an additional 9.75 of them carpool with others. That puts a lot of cars on the roadways each day, even if it is for a short time.
Commuters can also use the Cheyenne Transit System, which has six bus routes through the city and nearby areas, or Union Pacific Railroad's train that offers service to nearby Denver. However, you'll likely want to take the car if you want to visit nearby attractions, such as the Terry Bison Ranch Resort.
Cheyenne, WY, offers something for virtually everyone. It features mild summers and chilly winters that practically beg you to take off to the ski resorts in the nearby Laramie Mountains. Before you hit the road, shop with VIU by HUB to compare policies and make sure you have the right car insurance for Cheyenne, WY, driving conditions.
Auto insurance can protect you if you experience an accident, vandalism, theft, or weather-related damage to your car. Depending on the type of coverage you choose, you can covered for basic risks or most of the ones faced by Cheyenne drivers.
Like most other states, Wyoming has established minimum insurance requirements drivers must maintain. The state liability insurance minimums are 25/50/20, which means you must have at least:
Keep in mind that these are far below what would offer comprehensive protection in an accident and should be viewed as a bare minimum.
Drivers can also choose to purchase additional types of car insurance in Cheyenne, WY. The high risk of auto thefts in the city makes this advisable if your budget allows it.
Collision insurance pays for damages to your car if you hit another vehicle or most types of stationary objects. Comprehensive insurance covers most other types of physical damage to your vehicle, such as theft, vandalism, and hitting an animal. For both comp and collision, you can choose a deductible that you are comfortable with paying before the policy pays out.
Drivers with a clean record and good credit can expect to pay about $1,937 per year or $161 per month for car insurance in Cheyenne. This is slightly higher than the state average. Young drivers and those with poor credit, tickets or accidents will pay significantly more.
You can take steps to lower your premiums by:
Car insurance in Cheyenne, WY, protects your finances and can help pay for repairs after an accident. Comparing rates from multiple insurance companies allows you to see policies side-by-side and find the coverage that fits your needs. VIU by HUB makes it simple to do. Fill out one simple form, and we'll provide quotes from several companies for you to review.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
