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Wyoming Car Insurance Information

Requirement : Yes

Car insurance is required in Wyoming . Drivers must have a minimum of liability, and uninsured motorist coverage.

Minimum Coverage Car Insurance Requirements:

A minimum liability, and uninsured motorist coverage is required:

    • $25,000 for bodily injury or death to one person.
    • $50,000 for bodily injury or death per accident.
    • $20,000 for property damage per accident.
  • Uninsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party.
    • $25,000 for bodily injury to one person.
    • $50,000 for bodily injury per accident.

Other Car Insurance Coverage Options:

Liability, and uninsured coverage is the only requirements for Wyoming motorist to have, there are several other types of coverage available to drivers:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Medical Payments – Helps cover your medical or funeral costs due to an accident.
  • Rental reimbursement – Reimburses you if you have to rent a car after an accident.
  • Roadside assistance/towing coverage – Typically adds coverage for towing, tire changes, lockout services, and more.
  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include:  

  • Other forms of financial responsibility include:
    • Surety bond: Must have same coverage limitations as liability insurance minimum.
    • $25,000 cash or securities deposit with the state comptroller.

Proof of Insurance: Yes

You must carry proof of insurance and registration with your vehicle at all times. You do not need proof of insurance when applying for a driver’s license, or registering your vehicle.


Insurance Violations:

Violations, Fines & Penalties:

    • $250-$750 fine for first offense.
      • 6 months maximum in jail.
      • SR-22 mandate for 3 years.
    • $500-$1,500 fine for subsequent offenses.
      • 6 months maximum in jail.
      • Suspension of vehicle registration, impoundment of plates until proof of financial responsibility is furnished.
      • SR-22 mandate for 3 years.

SR22:

A SR22 may be required after a suspension in order to get your driver’s license reinstated. An SR22 certificate only certifies proof of insurance of minimum requirements, it is not insurance.

  • An SR-22 certification may be required to reinstate your license or registration if:
    • Suspended license.
    • Involved in an accident while uninsured.
    • * You will have to hold an SR-22 for 3 years.

  Credit Scores & Determining Your Insurance Premium :

All Wyoming drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. Drivers unable to get private coverage can purchase insurance through the Wyoming Automobile Insurance Plan (WAIP).

  

Other factors that may be used to determine your premiums include:

  • Age
  • Gender
  • Driving history
  • Coverage history
  • Deductible
  • Year, make, model of vehicle
  • Neighborhood, city of residence
  • Primary use of vehicle

Discounts : Yes

Discounts available in Wyoming:

  • Defensive driving discount.
  • Good driver discount.
  • Good student discount.
  • Multi-policy discount.
  • Multi-vehicle discount.
  • Safety discount.
  • Accident-free discount.

Cellphone Use:

Drivers under the age of 18 are banned from using their cellphones while driving; hand-held or wireless. All drivers are prohibited from texting while driving. Violations are considered primary offenses. Violators face a $75 fine.


Wyoming Minimum Coverage Laws

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