Wyoming Car Insurance

By Javier Marín, Editor·Last reviewed September 2026·How we check this

Wyoming requires every registered vehicle to carry minimum liability insurance under the state's financial responsibility law. The minimum is 25/50/20 — $25,000 bodily injury per person, $50,000 bodily injury per accident, $20,000 property damage. Wyoming is a traditional at-fault insurance state with no PIP requirement, simpler than no-fault systems in nearby states.

Minimum liability — 25/50/20

The Wyoming statutory minimum is $25,000 bodily injury per person, $50,000 bodily injury per accident, and $20,000 property damage. These limits are roughly mid-pack nationally — higher than Florida's bodily injury minimum (which is technically $0) but lower than Maine's 50/100/25 or Alaska's 50/100/25. Drivers are generally advised to carry well above the statutory minimum: a single accident with a hospitalization can easily exceed the 25/50/20 limits, leaving the at-fault driver personally exposed for the difference.

Optional coverages

Uninsured/underinsured motorist (UM/UIM) — not required in Wyoming, but recommended. About 9% of Wyoming drivers operate uninsured according to recent estimates.
Collision — covers your own vehicle in a crash, regardless of fault. Required by lenders on financed vehicles.
Comprehensive — covers theft, vandalism, weather damage, hail, and animal collisions. Important in Wyoming given the prevalence of deer, elk, and antelope strikes on rural roads.
Medical payments (MedPay) — covers your own and passengers' medical bills regardless of fault.
Roadside and rental — particularly useful in Wyoming given long distances between towns and limited towing infrastructure.

Proof of insurance

Wyoming drivers must carry proof of insurance in the vehicle at all times. Acceptable forms:

The insurer's printed insurance card.
A digital insurance card on a smartphone (accepted statewide).
A binder or declaration page during the first 60 days of a new policy.

Proof is required at registration renewal at the county clerk, at any traffic stop, and after any reportable accident. Wyoming insurers report active policies to the WYDOT database, so the county clerk and law enforcement can typically verify coverage from the VIN regardless of whether the driver produces a card.

Penalties for driving uninsured

Driving without insurance in Wyoming is a misdemeanor. Penalties:

First offense: fine up to $750, possible 6-month license suspension, and an SR-22 requirement to reinstate.
Second offense within 5 years: fine up to $1,500, mandatory license suspension, and 1-year SR-22.
Third offense: fine up to $5,000, possible jail, and extended SR-22.

Reinstatement requires paying the WYDOT reinstatement fee, filing SR-22, and providing proof of current coverage. See suspended license.

SR-22 financial responsibility

An SR-22 is a state-filed certificate from your auto insurer attesting that you carry at least the Wyoming minimum 25/50/20. WYDOT requires SR-22 for:

DUI convictions — see Wyoming DUI laws.
Implied-consent refusals.
Driving uninsured.
Reinstatement after a major-violation suspension.
Accumulating-violation suspensions ordered by WYDOT.

The SR-22 must remain on file for 3 years from the reinstatement date. A lapse in the underlying policy triggers automatic re-suspension. Insurers charge a small SR-22 filing fee ($15 to $25) on top of the higher premium that follows a major violation.

How rates are set in Wyoming

Wyoming auto insurance rates are among the lowest in the country — typically 25% to 30% below the national average. Drivers benefit from low population density, low property-crime rates, and limited urban congestion. However, individual rates vary significantly based on:

Driver age and experience (under-25 drivers pay materially more).
Driving record — see Wyoming driving records.
Vehicle make, model, age, and theft frequency.
Annual mileage and primary use (commute vs. pleasure).
Credit-based insurance score (allowed in Wyoming).
Urban vs. rural address — Cheyenne and Casper rates exceed rural rates by 10% to 25%.

After a claim or accident

Wyoming requires reporting any accident with injury, death, or property damage over $1,000 to law enforcement. After reporting:

Notify your insurer within the policy's reporting window (typically 24 to 72 hours).
Exchange information with other drivers — name, address, license number, insurance carrier and policy number.
Photograph the scene and any damage.
Submit any required state crash report (Form WY-105) within 30 days if requested.

An at-fault accident typically affects the renewal premium for 3 years. See the conviction record page for how moving-violation convictions intersect with insurance scoring.