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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Eric Schad
Answered on Apr 22, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“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:
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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