State guide
Car Insurance in Wyoming
Updated August 2026
Wyoming is an at-fault state with 25/50/20 minimum liability limits under Wyo. Stat. § 31-9-405: $25,000 of bodily injury coverage per person, $50,000 per accident, and $20,000 for property damage — a property damage floor twice what the many 25/50/10 states require. There's no PIP; anyone driving on a road maintained for public use in Wyoming must carry the liability coverage.
Uninsured motorist coverage works on an opt-out basis: under Wyo. Stat. § 31-10-101, no auto liability policy can be delivered in the state without UM protection unless the named insured rejects it. In practice that means most Wyoming policies include it by default — and since carriers price the same liability-plus-UM package very differently, the quote spread is where a Wyoming driver's actual savings live.
| Coverage | Required minimum |
|---|---|
| Bodily injury liability (per person) | $25,000 |
| Bodily injury liability (per accident) | $50,000 |
| Property damage liability | $20,000 |
| PIP / medical | Not required (at-fault state) |
| Additional requirements | Uninsured motorist coverage must be included unless the named insured rejects it (Wyo. Stat. § 31-10-101) |
| No-fault state | No |
| SR-22 used | Yes |
Source: Wyo. Stat. § 31-9-405; Wyoming Department of Transportation
Average annual expenditure for auto insurance in Wyoming was $848 in 2022. (NAIC 2022 Auto Insurance Database Average Premium Supplement)
What Wyoming requires
The required policy is liability-only: 25/50/20 pays for the other side's injuries and vehicle when you cause a crash. Your own medical bills after an at-fault accident, and your own vehicle in any accident, are not covered by the mandate — those need optional medical payments, collision, and comprehensive coverage.
Minimums are a floor. Wyoming's long, fast two-lane highways produce fewer crashes than urban states but not gentler ones, and a single serious injury can move past $25,000 quickly. Comparing what carriers charge for the next limit tier up is usually more informative than comparing minimum-limit quotes.
Uninsured motorists and what liability insurance skips
Because UM coverage is included unless rejected, a Wyoming driver hit by an uninsured motorist typically has somewhere to turn on their own policy. Nationally, 15.4% of drivers were uninsured in 2023, per the Insurance Research Council, so the opt-out default does real work.
The gap the mandate genuinely leaves open is wildlife. A collision with a deer or antelope — a routine event on Wyoming highways — isn't a liability claim at all: it falls under optional comprehensive coverage. Drivers who carry state minimums only are fully self-insured for the state's most characteristic accident.
SR-22s in Wyoming
After DUI convictions, driving-uninsured offenses, and certain suspensions, the Wyoming Department of Transportation requires an SR-22 filing — your insurer's certificate proving coverage at 25/50/20 — maintained for three years from the date it's required. The insurer must notify WYDOT if the policy is cancelled, which restarts the suspension problem. Carriers price SR-22 histories very differently, making this the clearest case where comparing quotes changes what a driver pays.
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Frequently asked questions
What car insurance is required in Wyoming?+
Liability coverage of at least $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage (25/50/20), per Wyo. Stat. § 31-9-405. PIP is not required.
Is Wyoming a no-fault state?+
No. Wyoming is an at-fault (tort) state: the driver who causes the accident pays for the other side's injuries and damage through their liability coverage.
Is uninsured motorist coverage required in Wyoming?+
It must be included in every auto liability policy delivered in the state unless the named insured rejects it, per Wyo. Stat. § 31-10-101 — an opt-out default rather than a strict mandate.
How long is an SR-22 required in Wyoming?+
Three years from the date proof of financial responsibility is required. Your insurance company files the SR-22 with the Wyoming Department of Transportation and must report any cancellation.
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