Wyoming Car Insurance Laws and Requirements (2024)

Wyoming law dictates the minimum requirements for insurance coverage that all drivers must carry. All drivers in Wyoming must hold 25/50/20 in liability coverage. Additionally, drivers can pick from a long list of additional coverages for added protection.

Minimum Car Insurance Requirements in Wyoming

The minimum car insurance requirements in Wyoming^[1] are:

• $25,000 for bodily injury liability per person

• $50,000 for bodily injury liability per accident

• $20,000 for property damage liability per accident

Wyoming’s at-fault system is very old-school, with auto insurance requirements confined to liability insurance. The minimum limits aren’t low compared to some other states, but overall, Wyoming auto insurance is bare-bones.

Bodily Injury Liability

Bodily injury liability is part of your liability car insurance coverage. If you cause an accident, this coverage will help cover the other party’s medical expenses. This type of coverage will not cover your own medical expenses for injuries sustained in a car accident you caused. Bodily injury liability coverage is required in Wyoming.

Property Damage Liability

Property damage liability is the other half of your liability car insurance. It covers repair costs and damage expenses to the other cars involved in an accident you caused. This coverage does not cover damage to your own car in an accident you were at fault for. Property damage liability coverage is required in Wyoming.

Is state minimum car insurance enough in Wyoming?

The minimum required car insurance coverage in Wyoming provides drivers with a solid foundation of auto insurance coverage, but it may not be enough for everyone. An auto insurance policy that sticks with the minimum limits for liability insurance will probably fail to cover the entire cost of a serious auto accident.

Homeowners with a net worth in the hundreds of thousands should take care to procure sufficient auto insurance so that their assets are protected after a high-cost auto accident.

In addition, a portion of Wyoming drivers are uninsured, and if you’re in an auto accident with someone without insurance, the state coverage requirements don’t provide you any help. Even though it’s not part of the Wyoming auto insurance requirements, uninsured and underinsured motorist coverage is an essential add-on.

Optional Car Insurance Coverage for Wyoming

Wyoming drivers who want to be protected in any situation should consider bolstering the minimum car insurance coverage with the following supplemental car insurance coverages:

Collision Coverage

Collision coverage covers damages to your car after a collision with another vehicle or object. If your vehicle is a total loss, collision coverage will reimburse you for the actual cash value of your vehicle. This is a great addition to the required property damage liability coverage in Wyoming, which applies only to the damages to the other driver’s vehicle.

Comprehensive Coverage

Complementing your collision coverage, comprehensive insurance covers damage to your vehicle that occurs during an event that is not a collision with another vehicle or object. This may apply in situations of vandalism, theft, weather damage, or a run-in with an animal. Adding comprehensive and collision coverage together creates a full-coverage car insurance policy.

Uninsured/Underinsured Motorist Coverage

If an uninsured (or underinsured) driver causes an accident and you suffer bodily injury, uninsured motorist coverage will cover your medical expenses. If the at-fault driver surpasses their bodily injury liability coverage limits, your underinsured motorist coverage will cover the rest of your medical expenses.

Other Supplemental Coverage

Medical payments coverage (also known as MedPay) helps pay for hospital bills that you rack up after an auto accident regardless of fault. It can also be used to pay the deductible on your health insurance if you require care from a covered accident.

In addition, if you break down anywhere in Wyoming, chances are you aren’t around the block from a mechanic. Roadside assistance and towing services provided by auto insurance companies tend to come at a low price—and can make a big difference in a crisis. Rental car reimbursement also keeps you on the road if your car is getting repairs done for a covered loss.

Penalties for Driving Uninsured in Wyoming

It is illegal to drive in Wyoming without the minimum car insurance coverage. Wyoming drivers must be able to provide proof of insurance to a law enforcement officer at a traffic stop or at the time of the crash. Failure to do so will result in one or both of the following consequences:

• A fine between $500 and $1,500

• Potential jail time of up to six months

The penalties listed are for your first offense. If law enforcement catches you driving without insurance again, you’ll have to forfeit your vehicle registration and license plates to a judge.

Minimum Requirements for High-Risk Drivers in Wyoming

If you are convicted of a DUI, get your driver’s license suspended or revoked, have serious driving violations, or are caught driving without insurance, you’ll often need to verify your financial responsibility to the state before getting your driver’s license reinstated. This verification is known as an SR-22 certificate.

Your insurance agent and insurance company file the certificate with the state DMV. You won’t need to have higher limits for bodily injury liability, but you will probably be considered “high-risk” by your car insurance company and charged higher car insurance rates than drivers with clean driving records.

More Information for High-Risk Drivers in Wyoming

DUI Insurance in Wyoming

SR-22 Insurance in Wyoming

Cheapest Minimum Car Insurance in Wyoming

Car insurance companies weigh different factors to determine what to quote drivers on their car insurance policies. Minimum coverage generally means lower car insurance rates. It also means low coverage limits, which may cost you if you’re ever involved in an accident. Here are the cheapest car insurance quotes for minimum coverage in Wyoming.

How to Find Cheap Car Insurance in Wyoming

If you drive infrequently or your car doesn’t have enough value to justify full coverage, you may choose to find a minimum coverage policy with the lowest insurance premiums possible. To find that policy, we recommend Insurify. It helps you compare car insurance quotes on one easy-to-use website.