Wyoming Auto Insurance Guide
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From Caspar to Cheyenne, Laramie to Gillette, Wyoming has thousands of miles of roadways. They’ll take you from foothills of the Rocky Mountains to the Big Horn Canyon, into the heart of Yellowstone and along the banks of the Snake River. They’re used by about 400,000 licensed drivers, who each average over 16,000 miles a each year. Along the way, they’re involved in thousands of traffic accidents, including many that result in serious injury or death. Wherever you live and drive in the Equality State, carrying adequate car insurance is both a legal requirement and commonsense protection. This is your guide to Wyoming’s basic vehicle insurance requirements and laws.
Wyoming state law requires you to carry a minimum amount of car insurance. Failure to do so can result in severe penalties that may include monetary fines. Wyoming has a tort system, which means that if you are found to be at fault in a car accident, you can be sued for actual damages (expenses associated with property damage and medical costs), economic damages (lost wages and earning capacity) and emotional and physical pain and suffering.
The bare minimum car insurance requirement for Wyoming drivers is:
Uninsured coverage can be rejected in writing if you prefer not to purchase it. Wyoming does not require you to carry additional coverage such as Collision and Comprehensive. However, if you own property or other valuable assets, supplementing the minimum requirements can help you protect yourself from monetary loss.
Wyoming requires you to carry minimum liability insurance or proof of financial responsibility and provide proof if a law enforcement officer asks to see it. Failure to do so can involve severe penalties. It is a misdemeanor that carries fines between $250 and $750 for a first offense, and up to $1,500 for a second offense. You can also receive a jail sentence of up to 6 months. Your driver’s license can be suspended until you show proof of coverage by filing an SR-22 certificate with the Wyoming DMV. You vehicle’s registration will be suspended if your policy is canceled or allowed to lapse.
Vehicle insurance premiums are regulated by the Wyoming Department of Insurance. Insurance companies are allowed to charge premiums and award discounts based on a number of factors that can include:
Wyoming also allows insurers to consider your credit history to determine your premium.
You may be able to lower the cost of your premiums in the following ways:
Laws regarding driving and car insurance can change frequently. It is your responsibility to stay current about the legal requirements in Wyoming. The following laws have recently been enacted in Wyoming and may affect your insurance coverage decisions.
Wyoming Department of Insurance
Wyoming Department of Transportation
Insurance Information Institute
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