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Wyoming Auto Insurance Costs & Minimum Coverage

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-based liability state where the at-fault driver's insurance pays for damages. All drivers must carry proof of financial responsibility, verified through the Wyoming Department of Insurance electronic verification system that cross-checks registration records.

Bodily Injury Liability

Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Wyoming's sparse population and long emergency response times often result in more severe injuries and higher medical costs than urban states.

Property Damage Liability

Pays for damage to another driver's vehicle or property when you're at fault. This coverage does not repair your own vehicle — only the other party's property.

Uninsured/Underinsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage to pay your medical bills and vehicle damage. Without this optional coverage, you absorb all costs if an uninsured driver injures you or totals your vehicle.

Cost Overview

$16–$50/mo

Typical monthly rate in Wyoming, minimum-coverage policies

Rate data: NerdWallet, ValuePenguin and Insurify, 2026

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Coverage Types

Liability Insurance

The only legally required coverage in Wyoming, protecting you from lawsuits when you injure others or damage their property. State minimum 25/50/20 limits expose you to personal asset seizure if damages exceed your coverage — consider that the average bodily injury claim in Wyoming exceeds $30,000.

Full Coverage

Bundles liability, collision, comprehensive, and typically uninsured motorist coverage into one policy. Only cost-effective if your vehicle value justifies the $1,400–$2,000 annual cost — generally vehicles worth $6,000 or more.

Uninsured Motorist Coverage

Pays your medical bills and vehicle damage when hit by a driver with no insurance or insufficient coverage. Wyoming does not require this coverage, leaving you to cover all costs out-of-pocket if an uninsured driver totals your car.

Comprehensive Coverage

Covers damage to your vehicle from non-collision events including theft, hail, fire, vandalism, and wildlife strikes. Pays the actual cash value of your vehicle minus your deductible, regardless of fault.

Collision Coverage

Repairs your vehicle after a crash with another car or object, regardless of who caused the accident. You pay the deductible ($500–$1,000 typical), and your insurer covers the rest up to your vehicle's actual cash value.

SR-22 Insurance

Not a separate coverage type but a state-required filing proving you carry at least minimum liability insurance, mandated after DUI, reckless driving, or driving without insurance convictions. Wyoming requires SR-22 filing for three years following certain violations.