Wyoming Auto Insurance Car Insurance Comparison

"The Cowboy State" is actually the least populated in the U.S. which makes sense since cowboys are usually saying towns aren't big enough for more than one person.

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.

SR-22:

A SR-22 may be required after a suspension in order to get your driver’s license reinstated. An SR-22 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.