Wyoming Car Insurance Requirements

Minimum Coverage Requirements

Wyoming requires drivers to carry minimum liability insurance of 25/50/20 — meaning $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage.

Average Car Insurance Costs in Wyoming

Drivers in Wyoming typically pay approximately $1,200 per year ($100/month) for car insurance, based on 2026 industry average data.

Car Insurance Rates by City in Wyoming

State Regulations and Key Rules

Wyoming is an at-fault state with a low uninsured driver rate. Uninsured motorist coverage must be offered but is not required. Wyoming's wide open spaces and long highway stretches contribute to high-speed accidents when they do occur.

What Makes Wyoming Unique

Wyoming has one of the lowest population densities in the nation, resulting in low accident frequency. However, when accidents do occur on high-speed rural highways, severity tends to be higher than in urban environments.

Uninsured Drivers in Wyoming

Approximately 5.8% of drivers in Wyoming are estimated to be uninsured. This is among the lower uninsured rates in the country, though carrying uninsured motorist coverage remains a sound financial decision.

Risk Factors Specific to Wyoming

Wyoming's high-speed rural highways mean that when accidents do occur, they tend to be severe. Pronghorn, deer, and elk crossings are frequent on highways, particularly at night. Winter driving on I-80 through the Laramie Plains is among the most hazardous in the nation — frequent closures due to wind and snow.

What Wyoming’s Minimum Actually Covers

Wyoming’s minimum is 25/50/20: $25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage. With new vehicles averaging roughly $50,000, the $20,000 property damage limit would leave about $30,000 unpaid if you totaled an average new car — and that gap becomes your personal debt.

No-Fault, PIP, and Required Add-Ons in Wyoming

Uninsured motorist coverage isn’t mandatory in Wyoming, though insurers generally must offer it and you may have to reject it in writing.

How Wyoming Compares: Uninsured Drivers and Price

An estimated 5.8% of Wyoming drivers are uninsured — roughly 1 in 17 — one of the lowest uninsured rates in the country.

Our average premium estimate of $1,200 a year puts Wyoming below the national middle in our 50-state estimates (median $1,395).

How to Save on Car Insurance in Wyoming

Wyoming's low rates reflect its rural character and low accident frequency. Jackson Hole area rates are above the Wyoming average due to tourism-related traffic and higher vehicle values. Comprehensive coverage for wildlife collisions is strongly recommended across the state. Low-mileage discounts suit many Wyoming residents with short daily drives.

• Wyoming's minimum liability requirement of 25/50/20 is the legal floor, not a safe target — since PIP isn't required in Wyoming, a separate medical payments (MedPay) add-on is worth pricing out.
• With an estimated 5.8% of Wyoming drivers uninsured, carrying uninsured/underinsured motorist coverage above the state minimum is one of the highest-value add-ons you can buy.

Frequently Asked Questions

What is the minimum car insurance in Wyoming?

25/50/20: $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage liability.

Is Wyoming a no-fault state?

No. Wyoming is an at-fault state, so the driver who causes an accident is responsible for the resulting injuries and damage, usually through their liability insurance.

How many drivers are uninsured in Wyoming?

An estimated 5.8% of Wyoming drivers are uninsured, roughly 1 in 17.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and state requirements as of 2026. Insurance regulations and rates change periodically; always verify current requirements with your state's department of insurance or a licensed insurance professional before making coverage decisions. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.