Wyoming Auto Insurance Rates & Requirements
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 tort state, meaning the at-fault driver is financially responsible for damages in an accident. All drivers must carry proof of financial responsibility, typically satisfied through liability insurance, and law enforcement can verify coverage electronically through the Wyoming Insurance Verification System. The Wyoming Department of Insurance oversees compliance and mandates specific minimum coverage limits that must be maintained continuously.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Cost Overview
about $79/mo
Average car insurance spending in Wyoming
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Winter weather in counties like Teton, Park, and Sublette results in elevated collision claim frequency from October through April due to black ice and whiteout conditions on mountain passes.
Check Your Rate Against the Market
Compare Auto Rates for FreeFrequently Asked Questions
Is Wyoming a no-fault state for car insurance?
No, Wyoming is a tort state, meaning the at-fault driver is financially responsible for injuries and property damage in an accident. You can file a claim against the other driver's liability insurance or sue them directly for damages exceeding their coverage limits. This system makes carrying liability coverage above the 25/50/20 minimum critical to protect your assets from lawsuits after a serious crash.
Does Wyoming require SR-22 insurance?
Wyoming requires SR-22 filing after DUI convictions, reckless driving, driving without insurance, accumulating excessive points, or certain license suspensions. The SR-22 is a certificate your insurer files with the Wyoming Department of Transportation proving you carry at least minimum liability coverage. You must maintain continuous coverage for three years, and any lapse restarts the entire filing period and triggers license suspension.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Wyoming's 25/50/20 minimum is legally required but often insufficient for serious crashes.
Full Coverage
Combines liability, collision, and comprehensive coverage to protect both your financial liability and your vehicle. Required by lenders and recommended for anyone with a vehicle worth protecting.
Comprehensive Coverage
Pays for damage to your vehicle from theft, vandalism, fire, hail, flooding, and animal strikes. Does not cover collision damage.
Collision Coverage
Covers damage to your vehicle when you hit another car, object, or roll over, regardless of fault. Subject to a deductible you choose, typically $500 or $1,000.
Uninsured Motorist Coverage
Protects you when an at-fault driver has no insurance or flees the scene. Covers medical bills, lost wages, and pain and suffering up to your policy limits.
SR-22 Insurance
An SR-22 is not a separate policy but a certificate of financial responsibility filed by your insurer with the Wyoming Department of Transportation, required after DUI, reckless driving, or driving without insurance.