Wyoming Car Insurance Requirements (2024)
Unravel Wyoming car insurance regulations & required coverage. Stay compliant and protected on the road with our detailed insights. Explore minimum coverage limits, mandatory policies, and optional coverage options for added protection. Our resource empowers you to make informed decisions. Trust us for accurate, up-to-date information without any sales pitch.
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Daniel Walker
Licensed Insurance Agent
Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring tha...
Licensed Insurance Agent
UPDATED: Dec 11, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Dec 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Welcome to our comprehensive guide on Wyoming car insurance regulations and required coverage. Understanding the ins and outs of car insurance in Wyoming is essential for all drivers, whether you’re a long-time resident or just passing through. In this article, we will delve into the key topics that every Wyoming driver needs to know, including minimum coverage requirements, uninsured motorist coverage, and other important regulations. By the end, you’ll have a clear understanding of the necessary steps to ensure you’re adequately protected on the road.
Don’t miss out on the opportunity to save on your car insurance premiums. Enter your zip code now to compare rates from the best insurance providers and find the perfect coverage for your needs.
Required Coverage
All personal vehicles in Wyoming require the following liability coverage requirements:
- Bodily Injury
- Property Damage
| Minimum Wyoming Car Insurance Requirements | |||
|---|---|---|---|
| Bodily Injury Liability | $25,000 / $50,000 Limit | ||
| Property Damage Liability | $20,000 Limit | ||
Additional insurance coverage can include:
- Uninsured / Underinsured Coverage
- Comprehensive and Collision Coverage
- Towing
- Rental Reimbursement
Uninsured and underinsured coverage is important coverage to add to your policy to protect you against drivers who do not have adequate coverage to pay for all damages of an accident or for drivers who do not have any insurance at all.
Collision pays for expenses related to repairing your vehicle after an accident. Comprehensive coverage pays for damage to your vehicle caused by fire or flooding. It also helps reimburse you if your car is stolen. We have compiled a list of the most stolen vehicles in Wyoming. Even if your vehicle isn’t listed, you should consider adding this coverage for its other benefits.
Towing coverage pays for the cost of having your vehicle towed or transported after being disabled or in an accident.
Rental reimbursement coverage can provide money for expenses related to substitute transportation while your car is being repaired after an accident.
Proof of Insurance and Financial Responsibility
Establishing proof of insurance and financial responsibility
- Get a standard liability car insurance policy
- Posting a bond
- Depositing $25,000 with the State Treasurer and receiving a certificate of deposit
Required Documentation
In order to provide proof of insurance, you can provide one of the following:
- Insurance ID Card
- Certificate of Deposit
- Evidence of a bond on file
You must maintain proof of insurance and financial responsibility and present it:
- When asked by a police officer
- When registering your vehicle
- After an accident
- Anytime you are operating a vehicle
Failure to Maintain Financial Responsibility Penalties
If you are unable to show proof of insurance, you can face the following penalties:
- First Offense – A fine between $250 – $750 and/or imprisonment up to 6 months
- Subsequent Offenses – A fine of between $500 – $1,500 and/or imprisonment up to 6 months. In addition, your registration will be suspended
Wyoming Insurance Agents
Cheyenne Car Insurance | Casper Car Insurance | Gillette Car Insurance | Laramie Car Insurance | Rock Springs Car Insurance | Evanston Car Insurance |
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Frequently Asked Questions
What is the minimum coverage required for car insurance in Wyoming?
Drivers in Wyoming must have a minimum of 25/50/20 liability coverage, which means $25,000 per person, $50,000 per accident, and $20,000 for property damage.
What additional coverage should I consider adding to my policy in Wyoming?
Uninsured and underinsured coverage, collision coverage, comprehensive coverage, towing coverage, and rental reimbursement coverage are some of the additional coverages you may consider.
What is a tort system, and how does it work in Wyoming?
Wyoming follows a tort system, which means that someone is always found at fault in an accident, and the person, along with their insurance company, is held responsible for paying for the damages.
What documents are needed to provide proof of insurance in Wyoming?
You can provide an insurance ID card, a copy of your policy, or a written statement from your insurance company to provide proof of insurance in Wyoming.
What are the penalties for failing to maintain financial responsibility in Wyoming?
If you fail to maintain financial responsibility in Wyoming, you can face a fine between $250-$750 and/or imprisonment up to 6 months for the first offense. For subsequent offenses, you can face a fine between $500-$1,500 and/or imprisonment up to 6 months, and your registration will be suspended.
What cities in Wyoming have car insurance agents?
Some cities in Wyoming with car insurance agents include Cheyenne, Casper, Gillette, Laramie, Rock Springs, and Evanston.
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Daniel Walker
Licensed Insurance Agent
Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring tha...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.