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Wyoming Car Insurance Requirements

Wyoming Minimum Car Insurance Requirements

The state of Wyoming requires all its drivers to carry liability insurance. Failure to provide proof of this coverage can have some serious consequences. The state-mandated mandatory liability insurance minimums every driver in Wyoming must carry is as follows:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $20,000 property damage per accident

Also, keep in mind that if you have an auto loan or lease your vehicle, you may be required to carry additional coverage. Check with your lender or leasing vehicle for more information prior to signing onto a policy.

Wyoming Liability Insurance

Like many other states, Wyoming requires all its drivers to carry liability insurance. Liability insurance covers bodily injuries and property damage you cause in an accident you have found to be responsible for. It is important to remember that your liability coverage will never pay for your injuries or damage to your property.

Car Insurance Limits in Wyoming

Almost every state in America has a set mandatory liability coverage limit minimum that drivers must meet in order to hit the road. In the world of insurance, limits are also the maximum amount your policy will pay out in the event of a claim. You can adjust these to expand coverage, but they should never go below the state’s law.

In the state of Wyoming, the liability insurance limits are expressed as 25/50/20. Each number refers to a different aspect of liability coverage: bodily injury per person, bodily injury per accident, and property damage, respectively. More on these categories is explained below.

  • Bodily injury per person is how much your insurer will pay for injuries to one person in an accident you caused.
  • Bodily injury per accident is the maximum amount your insurance company will pay for all injuries you cause in an accident.
  • Property damage per accident is the amount your insurer will cover for the property you damage in an accident.

Is Wyoming’s Mandatory Insurance Minimums Enough Coverage?

The mandatory minimums for insurance coverage in Wyoming are fairly average compared to other states but do not think that means it is enough. Carrying only the state-mandated minimums will leave you and your assets at risk. For example, if you end up causing a multi-vehicle collision, $20,000 may struggle to pay for the full extent of the damage. Anything that is not paid for by insurance can fall back in your lap. For this reason, it would be best to increase coverage limits when shopping for an insurance policy. Also, consider utilizing additional types of car insurance to expand coverage.

Driving Without Proof of Insurance in Wyoming

Carrying liability insurance is law in Wyoming. Failure to abide by the law comes with serious penalties. The chart below outlines what you could be facing if you choose to drive without insurance in the state of Wyoming.

Consequences
1st Offense
2nd Offense
Fines
$250-$750
$500-$1,500
Jail Time
Up to 6 months
Up to 6 months
Financial Responsibility Mandate
3 years
3 years

On top of what has been explained above, you could also be facing a license suspension and vehicle registration suspension.

Additional Types of Car Insurance in Wyoming

Since Wyoming only mandates its drivers to carry liability insurance, it may be useful to look at the additional types of insurance you can add to your policy. These will help you expand coverage and strengthen your policy.

  • Collision: This covers damage to your car following an accident with another vehicle.
  • Comprehensive: This coverage protects your vehicle from the damage it sustains when not in use. Some perils included under this policy are theft and extreme weather.
  • Roadside Assistance: If your car experiences mechanical issues while you are on the road, roadside assistance can be there to resolve a variety of technical problems with your vehicle.
  • Medical Payment: This coverage will pay for medical expenses you and your passenger(s) accumulate following an accident.
  • Gap Coverage: This insurance can help pay the difference in your vehicle's actual cash value and the remaining amount on your auto loan. This could come in handy if your car is totaled before it is paid off.

Car Insurance is Important For Any Wyoming Driver

Car insurance not only offers valuable protection but carrying it keeps you within the law. For both of these reasons, it would be in your best interest to really sit down and analyze your insurance situation. It is important to increase your coverage limits and include any additional insurance you feel you would benefit from. Taking time to do all this can really help cover you and your assets.

*This product may not be available in every state, please call an agent for more information.

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