Wyoming Car Insurance Requirements (2025)
Unravel Wyoming car insurance regulations & required coverage. Stay compliant and protected on the road with our detailed insights. Explore minimum coverage limits, mandatory policies, and optional coverage options for added protection. Our resource empowers you to make informed decisions. Trust us for accurate, up-to-date information without any sales pitch.
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Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Laura Gunn
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Tim Bain
Updated October 2024
Welcome to our comprehensive guide on Wyoming car insurance regulations and required coverage. Understanding the ins and outs of car insurance in Wyoming is essential for all drivers, whether you’re a long-time resident or just passing through. In this article, we will delve into the key topics that every Wyoming driver needs to know, including minimum coverage requirements, uninsured motorist coverage, and other important regulations. By the end, you’ll have a clear understanding of the necessary steps to ensure you’re adequately protected on the road.
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Required Coverage
All personal vehicles in Wyoming require the following liability coverage requirements:
- Bodily Injury
- Property Damage
| Minimum Wyoming Car Insurance Requirements | |||
|---|---|---|---|
| Bodily Injury Liability | $25,000 / $50,000 Limit | ||
| Property Damage Liability | $20,000 Limit | ||
Additional insurance coverage can include:
- Uninsured / Underinsured Coverage
- Comprehensive and Collision Coverage
- Towing
- Rental Reimbursement
Uninsured and underinsured coverage is important coverage to add to your policy to protect you against drivers who do not have adequate coverage to pay for all damages of an accident or for drivers who do not have any insurance at all.
Collision pays for expenses related to repairing your vehicle after an accident. Comprehensive coverage pays for damage to your vehicle caused by fire or flooding. It also helps reimburse you if your car is stolen. We have compiled a list of the most stolen vehicles in Wyoming. Even if your vehicle isn’t listed, you should consider adding this coverage for its other benefits.
Towing coverage pays for the cost of having your vehicle towed or transported after being disabled or in an accident.
Rental reimbursement coverage can provide money for expenses related to substitute transportation while your car is being repaired after an accident.
Proof of Insurance and Financial Responsibility
Establishing proof of insurance and financial responsibility
- Get a standard liability car insurance policy
- Posting a bond
- Depositing $25,000 with the State Treasurer and receiving a certificate of deposit
Required Documentation
In order to provide proof of insurance, you can provide one of the following:
- Insurance ID Card
- Certificate of Deposit
- Evidence of a bond on file
You must maintain proof of insurance and financial responsibility and present it:
- When asked by a police officer
- When registering your vehicle
- After an accident
- Anytime you are operating a vehicle
Failure to Maintain Financial Responsibility Penalties
If you are unable to show proof of insurance, you can face the following penalties:
- First Offense – A fine between $250 – $750 and/or imprisonment up to 6 months
- Subsequent Offenses – A fine of between $500 – $1,500 and/or imprisonment up to 6 months. In addition, your registration will be suspended
Wyoming Insurance Agents
Cheyenne Car Insurance | Casper Car Insurance | Gillette Car Insurance | Laramie Car Insurance | Rock Springs Car Insurance | Evanston Car Insurance |
Frequently Asked Questions
What is the minimum coverage required for car insurance in Wyoming?
Drivers in Wyoming must have a minimum of 25/50/20 liability coverage, which means $25,000 per person, $50,000 per accident, and $20,000 for property damage.
What additional coverage should I consider adding to my policy in Wyoming?
Uninsured and underinsured coverage, collision coverage, comprehensive coverage, towing coverage, and rental reimbursement coverage are some of the additional coverages you may consider.
What is a tort system, and how does it work in Wyoming?
Wyoming follows a tort system, which means that someone is always found at fault in an accident, and the person, along with their insurance company, is held responsible for paying for the damages.
What documents are needed to provide proof of insurance in Wyoming?
You can provide an insurance ID card, a copy of your policy, or a written statement from your insurance company to provide proof of insurance in Wyoming.
What are the penalties for failing to maintain financial responsibility in Wyoming?
If you fail to maintain financial responsibility in Wyoming, you can face a fine between $250-$750 and/or imprisonment up to 6 months for the first offense. For subsequent offenses, you can face a fine between $500-$1,500 and/or imprisonment up to 6 months, and your registration will be suspended.
What cities in Wyoming have car insurance agents?
Some cities in Wyoming with car insurance agents include Cheyenne, Casper, Gillette, Laramie, Rock Springs, and Evanston.
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