Wyoming Car Insurance Laws (2026)

Wyoming requires drivers to have liability insurance. Because Wyoming is an at-fault state, a driver who causes an accident is responsible for the other driver’s medical expenses and damages.

If you get into an accident in Wyoming that causes property damage or injury, you must show proof of current liability insurance. If you don’t have insurance, Wyoming law requires the Department of Transportation to suspend your driving privileges, regardless of fault.^[1]

Auto insurance requirements in Wyoming

Wyoming car insurance requirements include the following coverages and limits:^[2]

• Bodily injury liability: $25,000 per person and $50,000 per accident

• Property damage liability: $20,000 per accident

Wyoming’s car insurance minimums are identical to those of neighboring Montana. Colorado, Nebraska, and South Dakota have the same bodily injury limits but require $25,000 in property damage liability.

More than half the states in the country also have 25/50 bodily injury limits. In contrast, only 14 states have lower property damage liability limits than Wyoming. Neighboring Colorado and Idaho both require only $15,000 in property damage liability.

Driving without auto insurance in Wyoming is a misdemeanor. If an officer pulls you over and you don’t have current proof of insurance, the state can suspend your license, assess a fine, and even incarcerate you.

If the state suspends your license, it may require you to obtain an SR-22 to reinstate your driving privileges. An SR-22 proves that you carry the minimum amount of insurance to drive legally. Letting your insurance lapse during the three-year SR-22 requirement period can result in another license suspension.

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Is state-minimum car insurance in Wyoming enough coverage?

Wyoming’s minimum car insurance requirements of 25/50/20 may not be enough to protect you, especially if you cause an accident that exceeds those limits. Insurance experts typically recommend buying higher liability limits to prevent paying out of pocket for damages, even if it raises your auto insurance rates.

These optional coverages offer additional financial protection:

• Comprehensive coverage pays for vehicle repairs after non-collision incidents, such as weather damage and animal strikes. Portions of Wyoming experience severe hailstorms, and lightning starts more than half of the state’s wildfires. In addition, more than 7,600 vehicle collisions with big game occur each year, according to the Wyoming Game & Fish Department.^[3]

• Collision coverage pays to repair or replace your vehicle after a collision with another car or object, minus your deductible. The Wyoming Department of Transportation reported more than 9,700 traffic crashes in 2025.^[4]

• Medical payments coverage helps pay for your medical bills after an accident, regardless of fault.

• Uninsured/underinsured motorist (UM/UIM) coverage helps pay for your medical expenses if an uninsured driver hits you. Wyoming has one of the lowest uninsured motorist rates in the country, according to the Insurance Research Council.

• Gap insurance pays the difference between the value of your vehicle and what you still owe if you total it or someone steals it.

Penalties for driving without insurance in Wyoming

Driving without liability insurance is a misdemeanor under Wyoming law.^[5] Whether you live in Cheyenne, Casper, or in a mountainous rural area, you must have liability insurance.

If a police officer stops you or you get into an accident, you’ll need to show proof of insurance.

The state can fine you $500 to $1,500, sentence you to up to six months in jail, or both. These penalties apply even to first-time offenders.

For second and subsequent violations, you’ll have to turn over your registration and vehicle license plates. Once a judge decides that you’ve satisfied all legal obligations, including any SR-22 requirements, the state will return your vehicle registration and license plates.

Offense	Penalty
First offense	Fine between $500 and $1,500; possible jail time of up to six months
Second offense	Must turn in vehicle registration and license plates

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Wyoming’s modified comparative fault rule

Wyoming follows a modified comparative fault rule. Under this rule, you can recover damages if you’re not more than 50% responsible in an at-fault accident.

Because Wyoming is an at-fault state, claims adjusters or juries can split the blame for an accident among several drivers. If you’re 50% at fault, state law will reduce the amount you’re entitled to by half.

If you sustain an injury in a car accident in Wyoming, you’ll need to pursue an insurance claim against the at-fault driver’s insurance — not your own. Based on Wyoming law, a driver who’s 25% at fault in an accident with $100,000 in damages could receive $75,000 from the other at-fault driver.

The amount you’re entitled to can’t exceed an at-fault driver’s policy limits. If the at-fault driver carries the state’s 25/50/20 minimum policy and your damages exceed $25,000, you’d need to look to your own UM/UIM coverage.

If you don’t have UM/UIM coverage, you’d need to pursue compensation directly through the at-fault driver.

Wyoming insurance laws FAQs