Wyoming Car Insurance Requirements (2024)

Wyoming’s car insurance requirements mandate that all drivers have liability insurance with minimum limits of 25/50/20.
Written by Andrea Barrett
Edited by Jessica Barrett
Reviewed by Kathleen Flear
background
Wyoming car insurance
laws mandate that all drivers have liability insurance. The state-mandated limits for minimum liability coverage in Wyoming follow a 25/50/20 pattern: $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $20,000 in property damage coverage per accident.
  • Wyoming drivers must carry liability insurance with minimum limits of 25/50/20.
  • The average cost for minimum coverage liability insurance in Wyoming is about $91 per month or $1,095 per year.
  • Failure to carry minimum coverage car insurance can result in fines, suspension of driving privileges, and jail time.

Minimum car insurance requirements in Wyoming: Liability

Car insurance
is a legal requirement for all Wyoming drivers, and failure to carry the proper amount of car insurance can lead to fines, SR-22 requirements, and jail time.
To comply with Wyoming car insurance laws, drivers must have liability insurance that meets the 25/50/20 coverage limits, providing the following:
But while state minimum insurance will keep you in compliance with Wyoming law, it may not provide enough protection if you’re involved in an actual accident.
If you’re at fault in an accident,
liability insurance
only covers third-party medical expenses and property damage—it doesn’t cover your costs. So, if an at-fault accident results in a serious injury that requires long-term care or injuries involving multiple passengers, expenses can quickly exhaust these limits.
Here’s a summary of the car insurance requirements in Wyoming.

Wyoming minimum auto insurance requirements

Type of car insurance coverage
Minimum insurance limit
Bodily injury liability (per person)
$25,000
Bodily injury liability (per accident)
$50,000
Property damage liability (per accident)
$20,000
Remember: These limits are only the legal requirements in Wyoming. Car accident expenses can be high and quickly exhaust state-mandated limits, so it’s a good idea to increase your coverage limits to maximize your financial protection.
If you lease or finance a vehicle, you’ll be required to purchase physical damage coverage—comprehensive and collision insurance—on top of liability insurance by your bank or lender.
Key Takeaway Wyoming drivers must carry minimum coverage liability insurance with limits of at least 25/50/20.

Understanding Wyoming’s minimum insurance coverage requirements

Liability insurance is legally required in most states for all registered vehicles. It protects you from legal claims due to physical injuries and/or damage to other individuals or property if you’re at fault in an accident.
Liability insurance is broken up into two components:
  • Bodily injury liability
    helps cover the cost of injuries and lost wages for the other party if you are at fault in an accident.
  • Property damage liability
    helps cover the cost of property damage for any other parties involved in an accident where you are at fault in an accident.
But here’s the thing: liability insurance only covers third-party expenses—it doesn’t cover you. For that, you’ll need additional coverage.

How much does Wyoming state minimum coverage cost?

The average cost for minimum coverage liability insurance in Wyoming is about $91 per month or $1,095 per year, while full coverage car insurance averages around $143 per month or $1,721 per year.
Remember: Car insurance companies in Wyoming use various rating factors when
calculating auto insurance rates
, including age, driving experience, coverage requirements, vehicle make, model, and year, zip code. As such, there will be variations between car insurance quotes for different drivers and car insurance companies. If you’re not keen on paying the average cost of car insurance, you can save money by taking a
defensive driving course
,
qualifying for discounts
, or increasing your
insurance deductible
.

Do you need more coverage than Wyoming’s required insurance minimum?

Generally, yes.
Wyoming’s car insurance minimum of 25/50/20 is similar to most other states, but it’s not enough to cover the full cost if you’re actually involved in a car accident.
Depending on the severity of the accident, third-party injuries or property damage can quickly exhaust the limits of your car insurance policy. Then, you’ll be left to pay the remainder.
As an
at-fault state
, drivers in Wyoming also have the right to sue the at-fault driver for additional expenses their insurance policy won’t cover, such as pain and suffering.

Here’s what it might look like if you’re in an accident with minimal coverage…

Purchasing minimum insurance coverage in Wyoming can reduce your monthly car expenses, but what happens if you’re involved in an accident?
As mentioned, liability insurance only covers third-party medical bills and property damage costs if you cause an accident. Based on data published by the Insurance Information Institute (III), the average bodily injury liability claim in 2021 was $22,734; the average property damage claim was $5,314.
If you have liability insurance with 25/50/20 limits, you wouldn’t have to worry about out-of-pocket expenses since you have $25,000 in bodily injury coverage and $20,000 in property damage coverage.
If the accident was serious and someone sustained injuries that required long-term care or their vehicle was totaled, those limits would likely be exhausted. At that point, the remaining costs fall onto you.
What about your expenses? Liability coverage only covers third-party injuries and damage—it does not cover your costs. Without a
full car insurance policy
that includes coverage for your physical damages (i.e., collision and/or comprehensive insurance), all repair costs come out of your pocket.
Key Takeaway Wyoming’s 25/50/20 limits are a good starting point for liability insurance, but increasing your limits is recommended for more security and financial protection.

Our recommendation

  • Increase your bodily injury liability limits to at least $50,000 per person and $100,000 per accident
  • Increase property damage liability limits to at least $50,000 ($100,000 is even better)
  • Purchase comprehensive and collision coverage to pay for the total cost of your vehicle if it was totaled

Additional coverage options

On top of purchasing higher limits for your liability coverage in Wyoming, it’s a good idea to look into additional forms of car insurance coverage:
  • Uninsured/underinsured motorist coverage
    : Uninsured/underinsured motorist coverage covers your own medical expenses if you are the victim of a collision with an at-fault driver who doesn’t have insurance.
  • Comprehensive coverage
    : Comprehensive coverage can cover the costs of physical damages to your vehicle that do not result from a collision (such as theft or vandalism).
  • Collision coverage
    : Collision coverage can help you cover the cost of repairs for your vehicle after a collision with another vehicle or stationary object.
  • Medical payments (MedPay)
    : MedPay covers the cost of medical bills or funeral expenses resulting from a collision.
  • Roadside assistance
    : Also known as towing and labor coverage, this helps fix flats, towing, or jumping batteries. Roadside assistance will vary among policies and companies.
  • Rental car reimbursement:
    Rental car reimbursement will cover the cost of a rental vehicle up to your policy limits if you cannot drive your car as a result of a covered claim.

What is the penalty for not having auto insurance coverage in Wyoming?

Driving without insurance
is illegal in all states, including Wyoming. Failing to purchase at least minimum liability coverage (or failing to have
proof of insurance
) could result in serious penalties, including fines and forfeiture of vehicle registration.

Penalties for driving without insurance in Wyoming

Here’s a breakdown of the penalties for driving without insurance in Wyoming:
Penalty
First offense
Second or subsequent offense
Fine
$250 to $750
$500 to $1,500
Driving privileges
Driver’s license suspended until proof of insurance is shown
Driver’s license suspended until proof of insurance is shown; license plates and registration must be surrendered
Jail time 
Up to 6 months (or a combination of jail time and fine)
N/A
Reinstatement fees
$50
$50
3 years
3 years

FAQs

All insured drivers in Wyoming must carry liability insurance with 25/50/20 limits—$25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $20,000 in property damage liability per accident.
No, Wyoming is an at-fault auto insurance state, meaning at-fault drivers assume liability for medical and property damage costs resulting from a collision.
Wyoming drivers are only legally required to have liability insurance that meets the state-mandated coverage limits, so they aren’t required to have uninsured motorist coverage. That said, Wyoming auto insurance laws mandate that all insurance companies must offer at least $25,000 in uninsured motorist bodily injury coverage per person, and drivers who reject coverage must decline in writing.
According to stats published by the Insurance Information Institute (III), Wyoming’s uninsured motorist rate is just 5.8%—the fifth lowest percentage in the US.
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