Should you ever just get minimum liability insurance for your car in Wyoming?
I live in a relatively rural area of Wyoming. I currently have the state-minimum car insurance coverage, but I'm thinking of moving to a more populated area. Should I stay with minimum liability insurance, or should I opt for more coverage?
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Answered on Apr 22, 2021
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“Wyoming actually has decent state-minimum car insurance coverage compared to places like Florida or California. The state minimum for liability is 25/50/20 liability policy, which breaks down to:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $20,000 for property damage liability per accident
If you lived on a ranch and only used your vehicle in areas of low traffic, this would probably be acceptable coverage. But since you’re moving to a more populated area, you’re going to want more coverage.
You’ll probably want to at least double your coverage to 50/100/50, or go up to 100/300/100. By getting either one of these policies, you can make sure that you aren’t left holding the bill after an accident. Cheap car insurance isn’t always the best car insurance in this case.”
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