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Wyoming Auto Insurance Requirements & Rates

Wyoming requires 25/50/20 liability coverage and is an at-fault state.

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Wyoming at a Glance

25/50/20

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

Source: state DMV, insurance department and statute records, verified July 2026

State Requirements

Wyoming operates as a traditional tort state where at-fault drivers are financially responsible for damages. The state requires all drivers to carry proof of financial responsibility, typically satisfied through liability insurance, and enforces this through random verification and traffic stops. According to the Wyoming Department of Insurance, penalties for driving uninsured include fines, license suspension, and registration revocation until proof of coverage is provided for a mandated period.

Bodily Injury Liability

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Wyoming's sparse population and long distances to trauma centers mean injury claims often involve expensive medical transport costs.

Property Damage Liability

Pays for damage to other vehicles, structures, and property when you're at fault. Livestock collision claims — a frequent occurrence on open-range highways — are also covered under property damage liability.

Uninsured/Underinsured Motorist Coverage

Wyoming law requires insurers to offer this coverage, but drivers may reject it in writing. This protection covers your medical bills and vehicle damage when hit by a driver with no insurance or insufficient coverage.

Personal Injury Protection (PIP)

Wyoming does not require PIP or medical payments coverage. These coverages pay your own medical expenses regardless of fault, which can be valuable given the state's rural geography and long emergency response times in remote areas.

Cost Overview

about $79/mo

Average car insurance spending in Wyoming

Rate data: NAIC Auto Insurance Database, 2023

What Affects Your Rate

Wildlife collisions account for a disproportionate share of Wyoming comprehensive claims, with deer and antelope strikes most common along I-80 and I-25 corridors where open rangeland meets highways.
Wyoming's low vehicle theft rate — among the bottom five states nationally — keeps comprehensive coverage costs lower than urbanized states, though hail damage claims in eastern counties offset some of this advantage.

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Frequently Asked Questions

Is Wyoming a no-fault state for car insurance?

No, Wyoming is a traditional tort state where the at-fault driver is financially responsible for injuries and damages. Injured parties can file claims against the at-fault driver's liability insurance or sue directly if damages exceed policy limits. Wyoming does not require personal injury protection (PIP) or operate under a no-fault system.

What happens if I drive without insurance in Wyoming?

Driving uninsured in Wyoming results in fines, immediate license and registration suspension, and vehicle impoundment in some cases. To reinstate your license, you must provide proof of insurance and maintain an SR-22 certificate for three years, during which premiums typically double. Repeat offenses carry escalating penalties including potential jail time.

Why are there so many animal collision claims in Wyoming?

Wyoming has the highest per-capita rate of animal collision claims nationally due to its open-range livestock laws, vast wildlife populations, and rural highways crossing migration corridors. Deer, elk, and antelope are most commonly struck, particularly at dawn and dusk along I-25, I-80, and state highways through rangeland. Comprehensive coverage pays for these collisions minus your deductible.

Coverage Types

Liability Insurance

Covers bodily injury and property damage you cause to others. Wyoming's 25/50/20 minimum is among the lowest in the nation and may leave you personally liable for costs exceeding these limits in serious accidents.

Full Coverage

Combines liability, collision, and comprehensive coverage to protect both your legal obligation and your own vehicle. Recommended for any vehicle worth more than $4,000 or still under loan.

Comprehensive Coverage

Pays for vehicle damage from non-collision events including theft, vandalism, fire, hail, and animal strikes. Covers claims minus your chosen deductible, typically $500–$1,000.

Collision Coverage

Repairs or replaces your vehicle after accidents with other vehicles or objects, regardless of fault. Required by lenders on financed vehicles.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage to pay your medical bills and vehicle damage. Also covers hit-and-run accidents where the at-fault driver is never identified.

SR-22 Insurance

A certificate of financial responsibility filed by your insurer with the Wyoming Department of Transportation, required after DUI convictions, multiple violations, or driving without insurance. The SR-22 itself costs $25–$50 to file, but underlying premiums increase substantially.