Is car insurance required in Wyoming?

Yes, car insurance is a mandatory requirement in Wyoming. It is non-negotiable for drivers to carry a minimum of 25/50/20 liability insurance. There are penalties and fines associated with driving without insurance and failure to have proof of insurance with you.

Do you need car insurance to register a car in Wyoming?

Yes, you need to provide proof of insurance to register a car in Wyoming. Along with other relevant documents, you must submit proof of insurance to register a vehicle.

What is “basic” car insurance in Wyoming?

Basic car insurance in Wyoming refers to the minimum insurance requirements mandated by state law. This includes 25/50/20 liability coverage. You must have a minimum of this amount of coverage to drive in the state legally.

Does insurance follow the car or driver in Wyoming?

Car insurance in Wyoming generally <a href="https://www.claimsjournal.com/news/national/2014/06/05/249762.htm" target="_blank">follows the car</a>, except for some instances. For example, your liability coverage and property damage coverage will follow the vehicle, while personal injury protection and medical payments insurance will follow the driver.

Can you get car insurance without a license in Wyoming?

While it is not legally required to hold a drivers’ license to get car insurance in Wyoming, you might find it challenging to purchase a policy as most providers will insist on it. However, you might be able to get coverage without a license by listing another driver with a valid license as the primary driver.

Is Wyoming a no-fault state and what does this mean?

Wyoming is not a <a href="https://www.iii.org/sites/default/files/docs/pdf/insurance_factbook_2020.pdf" target="_blank">no-fault state</a>. This means that the party at fault for an accident is legally liable to cover the resulting damage costs. This means that a driver can recoup costs by filing a personal injury lawsuit against the at-fault driver.

Is PIP coverage required in state?

Personal Injury Protection coverage or PIP is not required in Wyoming. However, it might be wise to include this in your car insurance if you want more protection.

Does Wyoming require uninsured motorist insurance?

Uninsured motorist insurance is not legally required in Wyoming. However, you can choose to purchase this coverage if you want to keep yourself protected in the event of an accident involving an uninsured or underinsured motorist.

Does Wyoming allow for diminished value compensation after an accident?

Wyoming is a <a href="https://www.collisionclaims.com/wyoming-diminished-value/#:~:text=Wyoming%20is%20a%20diminished%20value,motorist%20coverage%20for%20diminished%20value." target="_blank">diminished value state</a>. This means that you can be entitled to compensation for the diminished value of your vehicle after an accident.

How do car insurance requirements change after a DUI in Wyoming?

Insurance requirements do not change in Wyoming after a DUI . However, your insurance might become more expensive. You might have to purchase high-risk insurance like SR-22 coverage.

What is a CARCO inspection and is it required?

A <a href="https://www.carcogroup.com/policyholder-resources/faqs" target="_blank">CARCO inspection</a> is a pre-insurance inspection that ascertains the condition of a car. It documents the distance traveled, the physical condition and the options installed in the vehicle. However, Wyoming is not among the five states that require CARCO inspections.

Wyoming Minimum Car Insurance Requirements, Penalties and Other Auto Insurance Laws

To drive a vehicle in Wyoming, laws mandate that all drivers must carry a state minimum insurance coverage of 25/50/20. Therefore, your insurance policy must cover a minimum of $25,000 per person for bodily injury, up to $50,000 per accident, with $20,000 in property damage coverage. Several penalties, including fines, suspensions and prison time, are in place for drivers who fail to meet these minimum requirements. This minimum coverage protects third parties in the event of an accident. If you want to protect yourself and your vehicle, you can purchase additional coverage and the right add-ons.

TABLE OF CONTENTS

Minimum Car Insurance Requirements in Wyoming
How Much Does Minimum Car Insurance Cost?
Penalties for Driving Without Insurance in Wyoming
FAQs

What Is the Minimum Car Insurance Requirement in Wyoming?

How much car insurance do you need in Wyoming? According to state laws, you must always have a minimum amount of liability insurance in Wyoming to legally drive your vehicle:

$25,000 per person for bodily injury
$50,000 total per accident for bodily injury
$20,000 Property damage liability coverage

These liability limits might be expressed at 25/50/20 liability insurance. If you want greater financial protection, you can increase these minimums by paying more for your insurance.

What Does This Minimum Coverage Mean?

Most states, like Wyoming, have state laws mandating liability insurance. If you cause an accident, liability insurance pays to cover other parties’ costs in injury and property damage cases. The state minimum liability limits in Wyoming are 25/50/20, which means you need to carry a minimum of $25,000 per person for bodily injury to a total of $50,000 per accident. If another party has their personal property damaged in an accident, the property damage liability covers that. Therefore, you need a minimum of $20,000 in property damage coverage in Wyoming.

How Much Does the Minimum Car Insurance Cost in Wyoming?

Several factors can determine the cost of car insurance in Wyoming. These include your age, ZIP code, driving record, credit standing, the type of car you drive and others. Also, costs can vary among different car insurance providers in Wyoming.

The cheapest car insurance in Wyoming is USAA, which costs approximately $180 per year. However, USAA policies are only available to current and former military members and their families. The second most affordable option is GEICO, which costs about $206 per year.

These prices are only estimates based on rates for an average Wyoming driver and should not be used to compare insurance prices.

MoneyGeek compared car insurance rates with the state minimum limits using a sample driver profile: a 40-year-old male driver with a clean driving record and good credit standing driving a 2010 Toyota Camry.

MoneyGeek also ranked the best car insurance companies in Wyoming for those who want strong service and affordable rates.

What Is the Minimum Car Insurance Requirement in Wyoming While Leasing a Car?

Suppose you want to lease a car in Wyoming. In that case, it is crucial to go through your leasing terms to fully understand the minimum insurance requirements of the leasing company, which can be different from the state minimum insurance requirements. Most companies would require full-coverage insurance with at least 100/300/50 liability coverage.

If you are unsure how much insurance you should have in Wyoming, MoneyGeek recommends a minimum of 50/100/50 liability limits and full-coverage insurance. Although Wyoming has a relatively low risk of uninsured motorists at 5.8% of drivers, you should still consider uninsured and underinsured motorist coverage. This way, you remain financially protected if you are involved in an accident with an uninsured driver.

Penalties for Driving Without Car Insurance in Wyoming

Persons driving their cars without insurance in Wyoming are liable to face penalties. Therefore, all drivers need to carry proof of insurance while driving and present that proof to law enforcement officers when asked. In such cases, you need to display a physical ID card or certificate as electronic proof of insurance is not accepted by local law enforcement. Failure to provide proof of insurance is recognized as a misdemeanor offense.

If caught driving without insurance or failing to provide proof of insurance when asked, these are the possible consequences:

A fine of up to $750 for the first offense
Jail time of up to six months
Suspension of driving license
A $50 for reinstatement of license
The requirement to file an SR-22 form
A fine between $500 and $1,5000 for repeat offenses
Extra jail time of up to six more months
Revocation of license and registration

Frequently Asked Questions About Car Insurance in Wyoming

Don't miss these frequently asked questions about car insurance in Wyoming.

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About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

sources

CARCO. "CARCO FAQs." Accessed July 9, 2021.
Claims Journal. "Does Automobile Insurance Follow the Car or the Driver?." Accessed June 26, 2021.
CollisionClaims.com. "Wyoming Diminished Value Claims." Accessed July 11, 2021.
Insurance Information Institute. "2020 Insurance Factbook." Accessed July 11, 2021.
Insurance Information Institute. "Facts + Statistics: Uninsured motorists." Accessed July 11, 2021.
Kelly Blue Book. "Penalties for Driving Without Car Insurance by State." Accessed July 11, 2021.
RMIIA. "Uninsured Motorists: Wyoming." Accessed July 11, 2021.