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Wyoming Car Insurance Guide

It is not easy to navigate the car insurance market in Wyoming. We understand how valuable your time is and using it to search and analyze car insurance is not ideal. To help you on your way, we've compiled this guide that lists the information you need to know so that you can quickly and easily get the car insurance plan that fits your personal needs - at the lowest rate. 

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Minimum Requirements

Like most of the other states across the nation, with a few exceptions, Wyoming requires car insurance to legally drive. The required coverages will protect you if an accident occurs and you are at fault. Here is a list of the coverages and the limits required:

Bodily Injury Liability Coverage $25,000 per person and $50,000 per accident.
Property Damage Liability Coverage $20,000 per accident.

Do I Need More Than The Minimum Coverage?

We always encourage everyone to purchase as much car insurance as they can afford. The minimum required car insurance coverage in Wyoming is not the lowest in the nation but it isn’t adequate coverage if you cause an accident and have to buy someone a new car. There are additional coverages you can add to your policy or you can increase your policy limits. Both of these are a good idea to consider. 


Additional Coverages Available

As we mentioned, adding additional coverages to your policy is a great way to ensure you are covered in a variety of scenarios. We provided a list of additional coverages here: 

  • Collision Coverage- Collision insurance will cover repairs to your vehicle in an accident you are at fault for. 

  • Comprehensive Coverage- Comprehensive insurance covers you for other situations than a car accident; if you hit an animal, vandalism, fire, hail, flooding, or of your car is stolen. 

  • Uninsured/Underinsured Motorists- Optional coverage that protects you if you are involved in an accident with a driver who has no insurance or too little insurance to cover the accident. 

  • Medical Coverage- Optional coverage that will pay for medical bills when health insurance exceeds coverage amounts and covers medical expenses for you and your passengers. Do you walk or bike? This policy offers additional coverage if you are struck by a car in those instances. 

  • Gap Insurance- Optional coverage that will pay if you don’t own your car outright and have an accident. Gap insurance will pay the difference between the cash value of your car and the current balance on your loan or lease. This policy is best for newer non-owned cars. 

  • Personal Injury Protection- Depending on your state this type of insurance can be a requirement or an add on. Regardless of fault personal injury protection will cover medical expenses and loss of wages for you and your passengers (up to your limit). It also includes up to $5,000 for funeral expenses.


Teen Drivers in Wyoming 

Starting at the age of 15 your teen can get their permit in the state of Wyoming. This is the time to add your teen to a car insurance policy. It is not cheap to insure a teen driver period, but by adding them to your existing policy you can save money. Driving discounts are available for teen drivers, we recommend checking with your car insurance company to see what options are available.


Multiple Drivers in Wyoming 

When chatting with your car insurance agent about drivers in your household it is important to list all drivers in your home. It is crucial to do this because it will prevent you from any unforeseen issues in the future, like loss of coverage. 

If you want to exclude a driver in your home, you can do so. The excluded driver will not be covered by your car insurance policy when driving your car. If the excluded driver causes any damages while using your car you are responsible for any expenses, out-of-pocket. So we urge you to never let an excluded driver use your car.


Penalties for Driving Without Car Insurance in Wyoming

Wyoming requires all drivers to meet the minimum required car insurance policy to drive. If for whatever reason you are found to not in compliance with this law there are penalties in place. The penalties cost a significant amount of money and revoke your driving privileges. Here is a list of the penalties for driving without car insurance in Wyoming: 

  • First Offense- You will pay a fine of $250 to $750. You could be sentenced to no more than six months in jail or a combination of both jail time and a fine. Your driver’s license will be suspended until you show proof of insurance. You will have to pay a $50 reinstatement fee. You will have to file an SR-22 certificate for three years.

  • Second and Subsequent Offenses- You will pay a fine of $500 to $1,500. You could be sentenced to no more than six months in jail or a combination of both jail time and a fine. Your driver’s license will be suspended until you show proof of insurance and you will have to surrender your license plate and driver’s license. You will have to pay a $50 reinstatement fee. You will have to file an SR-22 certificate for three years. 


Car Insurance Savings in Wyoming 

Shopping around for discounts on car insurance in Wyoming is worth the work. It might take a little bit of time to determine the discounts you are eligible for, but your car insurance premiums will be lower in the end. We put together a list of common car insurance discounts in Wyoming:

  • Good Driver- Maintain a good driving record free of accidents, tickets, and any moving violations. 

  • Multiple Policy- Most insurance companies will offer a discount for having multiple policies such as car insurance, renters insurance, homeowners insurance, or motorcycle insurance. 

  • Good Student- If you are a student enrolled in high school or college curriculum and maintaining a B average most companies offer a discount.


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