On This Page:
car icon
TABLE OF CONTENTS

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.

Loading...
    money icon

    Not all minimum coverage costs the same

    Comparing quotes will help you find the cheapest policy.

    points icon

    Choose your best option

    Compare rates and coverage options from top insurers.

    insurance2 icon

    Acquire quotes

    Compare multiple insurers' quotes to maximize your savings.

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.

Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

widget-location-pin

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.

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.

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.

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.

Car insurance in Wyoming generally follows the car, 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.

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.

Wyoming is not a no-fault state. 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.

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.

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.

Wyoming is a diminished value state. This means that you can be entitled to compensation for the diminished value of your vehicle after an accident.

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.

A CARCO inspection 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.

Learn More About Car Insurance

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

sources