Auto Insurance

All drivers in Wyoming are required to carry auto insurance to pay for injuries or damages related to automobile accidents they may be responsible for. Whether you are a new driver in search of your first auto insurance policy, or one of the many people interested in a better rate on an existing policy, Knifong Insurance Agency is here to help. We work closely with the nation’s top insurance providers to ensure that you get the coverage you need at a great rate.
 
Every Cheyenne driver must carry minimum levels of liability coverage as well as uninsured motorist coverage to comply with Wyoming law. In the event you were to cause an accident, liability insurance will help to pay for costs associated with damages and injuries to other parties involved. Unfortunately, not all drivers carry the auto insurance that is required. Uninsured motorist coverage is another mandatory coverage that will help pay for damages or injuries that you suffer if you happen to be involved in an accident with a driver who has not acquired the proper auto insurance coverage.

Cheyenne Auto Insurance Minimum Requirements

Liability Coverage:
  • $25,000 for bodily injury per accident
  • $50,000 for bodily injury for accidents involving multiple people
  • $20,000 for property damage
 
Uninsured/Underinsured Motorist Coverage:
  • $25,000 for bodily injury per accident
  • $50,000 for bodily injury if multiple people are injured
 
Keep in mind that these are just the minimum requirements under Wyoming law. Many drivers choose to purchase insurance with higher liability limits for added protection. Optional coverage can be added as well to further protect you and your vehicles. Some optional coverage you may want to consider includes collision coverage, comprehensive coverage, roadside assistance/towing coverage, rental car coverage, loan/lease gap coverage, and more. Two of the most common coverages added to an auto insurance policy are collision coverage and comprehensive coverage.
 
The coverage required on your Cheyenne auto insurance policy is meant to pay for damage or injury to others. This means that your vehicle is not protected if you were to cause an accident. Collision coverage will pay for damage you were to cause to your own vehicle. If you are currently financing or leasing a vehicle, your bank or lender to require that you purchase a certain level of collision coverage. If your vehicle is getting old and has depreciated significantly, it may make sense to decrease collision coverage or remove it from your policy entirely.

Occasionally, our vehicles are damaged even when not on the road. Comprehensive coverage will take care of damage to your vehicle caused by various external factors. This would include damage from events including vandalism, fire, theft, natural disaster, and similar non-collision related damage. As with collision coverage, you should consider the age and condition of your vehicle when deciding on comprehensive coverage.  
 
No matter what type of vehicle you drive, or what your driving history might be like, it is our goal at Knifong Insurance Agency to help you find an affordable policy that meets all your coverage needs. Contact us today for a free quote or you may use our Auto Insurance Tool to get started as well!


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