Insure Drivers USA
Get a Quote
A two-lane paved road curves through sagebrush flats toward a jagged, partly snow-dusted mountain range lit by low sun under orange-tinted clouds, with a large shrub in the right foreground.

Wyoming Auto Insurance Rates & Requirements 2025

Wyoming requires 25/50/20 liability coverage and is an at-fault state.

Compare my rates

Free to compare

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 under a traditional tort (at-fault) liability system, meaning the driver responsible for an accident pays for damages. The state requires proof of financial responsibility for all registered vehicles, typically satisfied through an auto insurance policy meeting minimum coverage limits. Wyoming law does not mandate uninsured motorist coverage, though insurers must offer it, and the state allows self-insurance bonds as an alternative to traditional policies for those meeting financial criteria set by the Wyoming Department of Insurance.

Bodily Injury Liability

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident.

Property Damage Liability

Pays for damage to another person's vehicle or property when you cause an accident. Wyoming's high proportion of pickup trucks and agricultural equipment on rural roads increases the risk of costly property damage claims.

Uninsured/Underinsured Motorist Coverage

Protects you when hit by a driver with no insurance or limits too low to cover your damages. Wyoming insurers must offer this coverage in amounts up to your liability limits, and you must reject it in writing if you choose not to purchase it.

Personal Injury Protection (PIP)

Optional first-party coverage that pays your medical bills and lost wages regardless of fault. Wyoming does not require PIP, leaving drivers to rely on health insurance or liability claims against at-fault parties. In a state where the nearest hospital may be 50+ miles away and emergency transport costs are high, PIP can cover immediate medical expenses without waiting for fault determination.

Cost Overview

about $79/mo

Average car insurance spending in Wyoming

Rate data: NAIC Auto Insurance Database, 2023

What Affects Your Rate

  • Wildlife collisions: Wyoming reports approximately 6,000 deer-vehicle collisions annually, concentrated in fall and spring migration periods, making comprehensive coverage particularly valuable for drivers in rural corridors.
  • Mileage patterns: Wyoming's average commute distance of 18 miles each way, combined with rural residents driving 15,000–20,000+ miles annually for work and services, places many drivers in higher-mileage rating tiers.
A woman with blonde hair in a cream sweater and jeans stands beside a dark SUV on a residential street, holding the open front door and looking off to the side.

Find Out What Your Coverage Should Cost

Compare Rates and Get Covered

Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Wyoming's 25/50/20 minimums are legally sufficient but financially inadequate for serious accidents — consider 100/300/100 or higher to protect personal assets.

Full Coverage

Bundles liability, collision, and comprehensive coverage to protect both your financial liability and your vehicle's value. Required by lenders for financed vehicles and recommended for any car worth more than $5,000.

Comprehensive Coverage

Pays for vehicle damage from non-collision events including theft, vandalism, fire, hail, and animal strikes. Covers the repair or replacement cost minus your deductible, regardless of fault.

Collision Coverage

Repairs or replaces your vehicle after an accident with another car or object, regardless of who was at fault. Particularly valuable when driving in winter conditions where loss of control on ice is common.

Uninsured Motorist Coverage

Protects you when an at-fault driver has no insurance or insufficient limits to cover your injuries and damages. Functions as a safety net in Wyoming's tort system where you depend on the other driver's financial responsibility.

SR-22 Insurance

Not a separate coverage type but a certificate of financial responsibility filed by your insurer with the Wyoming Department of Transportation. Required after DUI, driving without insurance, or multiple violations to reinstate your license.

Find Your City in Wyoming

Cheyenne

suburban

Casper

suburban

Laramie

urban

Gillette

urban

Rock Springs

urban