Wyoming car insurance laws
Wyoming car insurance law requires drivers to carry at least 25/50/20 in liability coverage. These minimum limits help pay for injuries and property damage when an insured driver causes an accident. However, the required limits may not be enough in a serious crash, leaving the driver responsible for the remaining expenses.
These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.
However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Wyoming drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.
Wyoming car insurance requirements
Drivers in Wyoming must carry the coverage required by state law, including liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. and any other mandatory protections. The minimum liability limits are 25/50/20. These limits help pay for injuries, property damage, and other required accident-related expenses covered under Wyoming law.
Wyoming requires the following coverage:
Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.
Wyoming liability minimums are 25/50/20.
Minimum coverage in Wyoming costs an average of $286. GEICO offers the lowest average rate at $174, but your premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. will depend on your driving record, age, location, and other factors.
The table below shows the average rates of the top insurers for minimum coverage in Wyoming.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| GEICO | $174 | $14 |
| American National | $177 | $15 |
| State Farm | $245 | $20 |
| Farmers | $329 | $27 |
| Allstate | $625 | $52 |
| USAA | $167 | $14 |
Wyoming car insurance cost for minimum coverage limits
Minimum coverage car insurance in Wyoming costs an average of $286. However, the amount you pay will depend on your insurer, age, location, driving history, and other rating factors. GEICO has the cheapest average minimum coverage rate at $174 annually.
On average, state minimum car insurance costs $286. Car insurance rates for minimum coverage vary by company and driver. The table below shows average annual rates for the old minimum liability limits in Wyoming. We will soon revise the rates to align with the updated limits.
The cheapest company for minimum coverage in Wyoming is GEICO at an average rate of $174 annually.
| State minimum coverage limit | 25/50/20 |
| Average annual premium | $286 |
| Average monthly premium | $24 |
Are the minimum coverage requirements changing in 2026 in Wyoming?
The minimum car insurance requirements in Wyoming will remain the same in 2026. Drivers who already meet the state's mandatory coverage limits do not need to change their policies. If the law changes in the future, insurers will notify customers about the new requirements and any effect on premiums.
Why do limits change?
"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated coverage values and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."
What does minimum car insurance cover in Wyoming?
Minimum car insurance in Wyoming covers certain accident-related expenses up to the limits required by law. Liability coverage pays for injuries and property damage you cause to others. These coverages pay for injuries, property damage, and other losses included under Wyoming's minimum insurance requirements.
Wyoming requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.
Wyoming drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.
Wyoming is a no-fault state, meaning your insurer pays for your injuries and damages regardless of who caused the accident. The law requires you to carry personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. (PIP) to pay medical costs, such as doctor visits and prescriptions.
Uninsured and underinsured motorist coverageAn auto insurance coverage that pays for injuries or damage if you're in an accident with a driver who has no insurance or not enough insurance. is also required. Uninsured motorist coverage helps pay for coverage when the at-fault driver doesn't have car insurance, and underinsured coverage assists when the at-fault driver doesn't have enough car insurance to cover injury and property damage costs. Without these coverages, you would have to pay for medical and repair costs that the other driver's insurance didn't cover. You may be able to opt out of this coverage.
PEOPLE ASK:
Is Wyoming minimum car insurance enough?
Minimum car insurance may not provide enough protection in Wyoming. A serious accident can easily result in expenses above the required limit of 25/50/20, leaving you responsible for the remaining amount. Minimum liability insurance also does not cover damage to your vehicle, regardless of whether it is damaged in a collision, stolen, or affected by weather. You need to add comprehensive and collision coverage; collision coverage pays for crash damage to your vehicle, and comprehensive insurance covers non-collision losses such as theft, fire, hail, and falling objects.
How much car insurance is enough in Wyoming?
The right amount of car insurance in Wyoming depends on your income, savings, assets, vehicle value, and risk of being sued after an accident. Drivers with significant assets should consider higher liability limits, while drivers with financed or leased vehicles will generally need collision and comprehensive coverage.
For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.
Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease, you will be required to carry this coverage by your lender.
Consider your financial situation when determining how much car insurance you need.
Wyoming penalties for driving without car insurance
Driving without required insurance in Wyoming may lead to fines, license suspension, registration penalties and more expensive insurance in the future. Repeated violations may result in harsher consequences. If you cause an accident without coverage, you will also have to pay medical bills and property damage costs yourself.
Failing to carry Wyoming car insurance has penalties, including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.
| Fines | $500-$1,500 |
| Other penalties | License suspension |
| Jail time | Possible |
Wyoming minimum coverage cost by age group
Minimum coverage rates in Wyoming vary significantly by age because insurers use driving experience and claim risk when setting premiums. Younger drivers generally pay the highest rates, while premiums often decrease as drivers gain experience. GEICO is the cheapest for teens, and American National is the cheapest for adults.
The table below breaks down the cost of car insurance for various age groups. GEICO has the best rates for teens, with minimum coverage averaging $541. American National offers the cheapest coverage for adults at $165.
Additionally, females and males pay different rates. The average rate for a 40-year-old female is $284, and the average rate for a 40-year-old male is $288, a difference of $4.
Wyoming minimum coverage cost by city
Minimum coverage is cheapest in Sheridan, where drivers pay an average of $267. Casper has the highest average minimum coverage rate in Wyoming at $342. Differences in traffic, accident claims, theft, and local repair costs can cause premiums to vary from one city to another.
The table below shows average minimum coverage rates for cities in Wyoming.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| Casper | $342 | $28 |
| Cheyenne | $322 | $27 |
| Evanston | $270 | $23 |
| Gillette | $299 | $25 |
| Green River | $296 | $25 |
| Jackson | $304 | $25 |
| Laramie | $278 | $23 |
| Riverton | $277 | $23 |
| Rock Springs | $301 | $25 |
| Sheridan | $267 | $22 |
Optional car insurance coverage in Wyoming
Optional car insurance protects your vehicle and finances beyond the minimum coverage required in Wyoming. Collision and comprehensive insurance pay for damage to your own car, while rental reimbursement, roadside assistance and gap insurance address specific expenses that a state minimum liability policy does not cover.
Drivers may choose optional coverages such as:
- Collision coverage. Collision coverage pays for damage to your vehicle if you cause an accident.
- Comprehensive coverage. This coverage pays for damage to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
- Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
- Roadside assistance coverage. If you run out of gas, need a tire changed, or have a dead battery, roadside assistance will send someone to help.
- Gap coverage. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.
Why do limits change?
State lawmakers increase minimum car insurance limits when existing requirements no longer reflect current accident expenses. Rising medical bills, repair costs and vehicle values can make current limits insufficient. Raising the required coverage gives accident victims access to more insurance money and reduces the amount drivers pay.
Methodology
Insurance.com partners with Quadrant Information Services to field average car insurance rates across all 50 states and Washington, D.C. National and state average rates are based on state minimum coverage and on the following parameters:
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
State laws were gathered from state DMV and insurance department websites.
Learn more about our data and methodology.
Wyoming car insurance laws and requirements: FAQs
Is it mandatory to have car insurance in Wyoming?
Yes. Drivers in Wyoming must maintain the minimum insurance required under state law. Mandatory coverage includes 25/50/20. Driving without the required policy can result in fines, license or registration penalties, and higher premiums when you purchase insurance again.
Will my bare minimum car insurance cover me in another state?
Yes, your car insurance will cover an eligible claim when you drive in another state. If the state where the accident occurs requires higher liability limits, your policy will automatically adjust to meet those limits for the claim. However, this does not add collision or comprehensive coverage to a minimum policy.
What happens if I drive without car insurance in Wyoming?
Driving without car insurance in Wyoming can lead to fines, license suspension, vehicle impoundment, and increased insurance premiums. Repeat offenses may carry more serious consequences, including jail time. You will also be personally responsible for medical bills, repairs, and other damages if you cause an accident while uninsured.
Compare state minimum requirements with other states
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