Wyoming Auto Insurance

Last updated : July 2024
Published By : Direct Auto

Whether you’re driving to work in Cheyenne or exploring Grand Teton National Park, affordable auto insurance coverage can help protect Wyoming drivers, their loved ones and their vehicles on every journey. So, take a few minutes to learn about cheap car insurance in Wyoming, including which coverages are mandatory and which ones are optional. Then get a free quote to see how much money you can save with Direct.

Wyoming Car Insurance Laws

Do you have to have car insurance in Wyoming?

Wyoming requires all vehicle owners to carry proof of financial responsibility, which is satisfied with a car insurance policy. Wyoming auto insurance policies must at least meet the state’s minimum liability coverage limits, typically expressed as three numbers representing thousands of dollars. For example, the liability limits in Wyoming are 25/50/20, as shown below under Wyoming Minimum Car Insurance Requirements.

Wyoming Minimum Car Insurance Requirements

Wondering what your insurance policy needs to fulfill Wyoming’s insurance requirements? Here’s a quick breakdown by coverage type.

Coverages

Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox and more.

Yes. $20,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run. In some states, UM/UIM can also help pay for property damage.

Not required.

Medical Payments Coverage (Med Pay) helps pay for your medical and related expenses stemming from an accident, regardless of fault.

Not required.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism or contact with an animal.

Not required.1

IMPORTANT NOTE: While purchasing state-mandated coverage ensures you satisfy Wyoming’s laws, it doesn’t protect you or your vehicle in every circumstance. You might need to add additional coverage, like UM/UIM, comprehensive and collision, to protect yourself and your vehicle more fully.

1Your lender may require these coverages if you lease or finance your vehicle.

Are there additional coverage options?

For greater peace of mind, Wyoming drivers may have access to add-on services and other coverages depending on the insurer:

Wyoming Proof of Financial Responsibility and Penalties

What if I don't meet Wyoming’s minimum car insurance requirements?

Wyoming takes a strict stance on vehicle owners who don’t meet insurance requirements. The fines and other penalties for driving without insurance vary depending on the nature of the violation, according to ValuePenguin. However, this misdemeanor charge could see you fined, face potential jail time and possibly lose your driving privileges.

Penalties for Driving with a Suspended License in Wyoming

Driving without a valid license can lead to harsh penalties in Wyoming. If you’re caught operating a vehicle while suspended, revoked or otherwise unlicensed, the National Conference of State Legislatures reports this misdemeanor charge can lead to a steep fine.

SR-22 Insurance in Wyoming

Some states require high-risk drivers to keep an SR-22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. Depending on your current state, if you recently moved from out of state, or if you’re planning to move to a new state soon, you could be required to keep an SR-22 on file if:

High-Risk Auto Insurance in Wyoming

Many individuals do not have a perfect driving record, and after a certain number of violations or a serious enough violation, drivers can be considered a major risk to insure. Some insurance companies won’t insure high-risk drivers, but non-standard insurance (another name for high-risk auto insurance) is often available elsewhere to provide financial protection for these drivers. 

Where can I find the cheapest car insurance rates in Wyoming?

Car insurance costs vary depending on a number of factors, including:

  • The amount & type of coverage you choose
  • The year, make and model of the vehicle you drive
  • How much you drive, where you drive and where you live
  • Your demographics
  • Your driving record
  • Your credit history

Other Wyoming Auto Insurance Resources

Find Cheap Car Insurance in Wyoming with Direct Auto!

Looking for affordable car insurance in Wyoming? Get a free car insurance quote for a policy that meets your state’s requirements, fits your needs and includes any discounts you’re entitled to receive so your premium is the lowest price possible.

*Roadside Assistance is not insurance and is administered through Nation Safe Drivers, Boca Raton, FL. Not all benefits available in all states.

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