Car Insurance in Wyoming

Compare Auto Insurance in Wyoming

Wyoming Auto Insurance Minimums

  • $25,000 bodily injury for one person
  • $50,000 per accident
  • $20,000 property damage
  • Click here for more auto insurance minimums in Wyoming.

Wyoming DUI Laws

  • DUI is considered a BAC of 0.08%.
  • Enhanced sentencing for BAC of 0.15% and higher.
  • Click here for more DUI laws in Wyoming.

Wyoming SR-22 Auto Insurance Requirements

  • SR-22 may be required for a number of reasons.
  • An SR-22 is typically required to reinstate a suspended license.
  • Click here for all SR-22 requirements in Wyoming.

Wyoming Hands-Free Laws

  • The Wyoming legislature has passed a texting law.
  • Wyoming Senate File 20 prohibits text-based communications while operating a motor vehicle.
  • Click here for Hands-Free laws in Wyoming.

Wyoming Teen Auto Insurance

  • Wyoming utilizes a Graduated Driver Licensing (GDL) system for teen drivers.
  • Wyoming teens must be at least 15 years, 6 months to apply for an instruction permit.
  • Click here to learn all you need to know about Wyoming teen driver laws.

Wyoming differs somewhat from other states regarding minimum insurance coverage. By law, every motorist is required to provide proof of financial responsibility. This means that if you do not wish to purchase Wyoming auto insurance, you must prove to the state that you have unlimited funds available to you to cover any and all damages resulting from an auto accident. This can be done by filing any one of the following:

  • A bond
  • Documentation of current auto insurance
  • A Certificate of Deposit of money or other securities totaling $25,000 with the Wisconsin State Treasurer

Obviously, most citizens do not have this type of savings so purchasing automobile insurance is a much simpler solution.

If you are held responsible for an auto accident which results in injury to another person or persons, bodily injury liability coverage provides funds for accident-related medical expenses, lost wages, and pain and suffering. The State of Wyoming requires the following minimum coverage amounts to be purchased and maintained by all motorists:

  • $25,000 total for bodily injury coverage, per person
  • $50,000 total for bodily injury coverage, per accident
  • $20,000 total for property damage, per accident

Wyoming also mandates that all drivers carry Uninsured/Underinsured Motorist coverage. This coverage is automatically included in your automobile insurance policy unless you elect to exclude it. If you choose not to include this coverage, you must formally reject it in writing.

This coverage provides funds for your own bodily injuries if you are the victim of a hit-and-run or are hit by a driver who is at fault but has no insurance or is underinsured and cannot pay the full amount of damages. The minimum coverage amounts are:

  • $25,000 total, per person
  • $50,000 total, per accident

If you are denied insurance because of your driving record, you may qualify for coverage offered through the Wyoming Automobile Insurance Plan. Since this is considered high-risk coverage, the premiums are more expensive. This alternative means of insurance coverage should only be considered when all other options have failed. For more information about this plan and to see if you qualify, contact the Wyoming Insurance Department at the number listed below.

Your insurance policy is basically a contract between you and your insurance company. You agree to pay the premium and the insurance company agrees to pay for losses and/or damages in the event of an accident. It’s important to remember when drawing up your personal policy that most states only require minimum coverage amounts. Most insurance experts agree that you should base your deductibles and types of coverage on your personal needs and circumstances.

You can depend on your professional insurance agent to be a knowledgeable and trusted source for information regarding your state’s minimum requirements and also for any other questions you may have about the different types of coverage available and their costs.

For any other concerns or questions, please contact:

Wyoming Insurance Department

106 East 6th Avenue
Cheyenne, WY 82002
(307) 777-7401
(800) 438-5768 Toll Free Instate

Wyoming Car Insurance Agents

If you live in Wyoming and are searching for a highly qualified auto insurance agent to assist you in putting together a comprehensive, yet affordable policy, look no further!

Auto insurance agents are highly trained professionals whose goal is to make buying auto insurance easy and enjoyable for their customers. They are able to compare prices from different insurance companies and find the best combination of coverage and cost. Since they keep up with the latest trends in the insurance industry, they are a knowledgeable source when it comes to putting together a comprehensive auto insurance policy that meets the needs of their customers but is also affordable.

A good agent will take the time to listen to your needs and circumstances with regards to auto insurance and will always consider and use your answers when writing up a policy which protects you, your property and your assets. You can rely on a skilled Wyoming Auto Insurance agent to stand by you when you have a claim and to help you throughout the entire claim process. You should also expect your agent to make sure that your policy is up-to-date and that you maintain coverage which is appropriate for your personal situation.

If are interested in getting a quote from a qualified agent, use our Agent Locator to find an extensive list of agents in your local area. Any one of these professional agents will work hard to make sure you get a comprehensive policy that takes into consideration both your needs and budget.

Tips to saving money on your insurance premiums

  • Drive carefully. A clean driving record can add up to big savings when buying insurance.
  • If you’re purchasing a new vehicle, get an insurance quote before you buy. Insurance prices can vary dramatically depending on the make and model of the car you purchase.
  • Bundle your insurance policies. Purchasing life, home, auto and other insurance policies from one company can earn you up to 10% off the total cost of your premiums.
  • Raise your deductible. Remember, the higher your deductible, the lower the cost.
  • If you have a teenage driver in the family, ask about teen driver discounts.
  • Improve your credit score. Many insurance companies use your credit score to determine the amount of your premium. Before applying for insurance, obtain copies of your personal credit report from the three major credit bureaus and check them for accuracy. Report any errors or out-of-date information directly to the reporting bureau.

Being aware of these money-saving tips can add up to big savings for you! When you also work with a professional insurance agent to put together your policy, you can be confident that you are getting comprehensive coverage at the best possible price.

For the financially savvy consumer, saving money on Wyoming auto insurance is fairly easy. If you want a good deal on car insurance, is the first step for finding great auto insurance at the best rates. Even if you don’t have a spotless driving record, you can rest assured affordable insurance policies are out there. By making informed insurance decisions, you can save a significant time and money. offers information on the lowest Idaho auto insurance rates for the entire state.