What is the minimum car insurance required in Wyoming?

Liability coverage of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage — written as 25/50/20.

When do I have to prove insurance in Wyoming?

At any traffic stop, and specifically after any crash causing more than $1,000 in property damage or injury to a person outside your immediate household. That $1,000 threshold is low enough that most reportable crashes reach it.

Is uninsured motorist coverage required in Wyoming?

No, it is optional. In an at-fault state your own uninsured motorist coverage is the only thing that responds when the at-fault driver has no policy, so it is worth pricing rather than assuming out.

Is hitting a deer or antelope covered in Wyoming?

Under most policies an animal collision is a comprehensive claim rather than a collision claim. Given how common wildlife collisions are in Wyoming — and how severe an elk strike can be — it is worth confirming how your policy treats them. A liability-only policy covers neither.

Is Wyoming an at-fault or no-fault state?

Wyoming is an at-fault state. The driver who caused the crash is responsible for the resulting damage, and their liability coverage pays up to the policy limits.

Wyoming

Auto insurance in Wyoming: what’s required, and what isn’t

By Gaby Valencia, Insurance Content Editor

Last verified August 26, 2026

Wyoming requires 25/50/20 liability coverage, and adds a rule most states do not: if you are in a crash causing more than $1,000 of property damage or injuring anyone outside your household, you must produce proof of current coverage. Wyoming drivers also cover more highway miles than almost anyone in the country, which shifts the risk profile from frequent minor crashes toward infrequent severe ones — exactly the scenario liability limits exist to absorb.

Advertiser disclosure. We may be compensated when you connect with a provider through this site. This affects which options appear and where, but not our editorial assessments. How we make money

Question 1 of 3

What’s your ZIP code?

60 seconds to complete No obligation Free service

What Wyoming requires you to carry

Minimum liability limits in Wyoming — 25/50/20
Bodily injury, per person	$25,000
Bodily injury, per accident	$50,000
Property damage, per accident	$20,000

These are floors, not recommendations. Wyoming sets the minimum a driver may legally carry. It does not assess whether that amount would cover a claim you caused. Anything above your limits is your personal exposure.

How Wyoming enforces it

Wyoming law requires liability coverage on anyone driving on a roadway maintained for public use. Separately, any driver involved in a crash causing more than $1,000 in property damage, or injury to someone outside their immediate household, must produce proof of current liability insurance. That $1,000 threshold is low enough that most reportable crashes trigger it.

How rates are set in Wyoming

Wyoming is an at-fault state. The driver responsible for a crash is responsible for the resulting injury and property damage, and their liability limits cap what the insurer pays on their behalf.

The Wyoming Department of Insurance regulates carriers and handles consumer complaints, while the Department of Transportation owns proof of insurance and suspensions. Wyoming is a competitive-rating state; carriers apply their own filed models.

Because Wyoming’s crash profile skews toward high-speed rural severity rather than urban frequency, the coverage that matters most here is bodily injury liability — the part of the policy that responds when a crash is serious rather than merely inconvenient.

Credit-based insurance scores in Wyoming

Wyoming permits credit-based insurance scores in rating. Wyoming is a small market by population with relatively few carriers competing hard for it, which narrows the spread between quotes — but also means each carrier you leave out of a comparison is a larger share of what was available to you.

What actually moves your premium here

Distance is the defining risk

Wyoming drivers cover more miles per capita than almost anyone, much of it at highway speed on rural two-lane road. That combination produces fewer crashes than a dense metro but more severe ones when they happen. Severity is what liability limits are for, which makes the 25/50 bodily injury floor thinner here in practice than the low crash frequency suggests.

Wind and winter close roads, and damage vehicles

Wyoming has some of the most persistent high wind in the country, and I-80 closures are routine in winter. Wind-driven debris, hail and winter incidents are largely comprehensive and collision claims. Liability-only coverage responds to none of it.

Wildlife collisions are frequent and severe

Deer, antelope and elk collisions are common, and an elk strike is a severe claim. Under most policies an animal collision is comprehensive rather than collision, which is a distinction worth confirming on your own policy given how likely it is here.

A high clickwall value in a small market

Wyoming carries one of the higher per-driver values in this category nationally despite its small population — a function of how few carriers actively compete for the state. For a driver, the practical read is that the quotes you gather will vary more by carrier appetite than by anything about you.

See what you’d be matched with in Wyoming

Question 1 of 3

What’s your ZIP code?

Comparing carriers in Wyoming

Given the mileage and the road types, price bodily injury limits above 25/50 before optimising anything else. A severe rural highway crash is the scenario Wyoming drivers are most exposed to, and it is the one the state minimum handles worst.

Gather quotes from more carriers than feels necessary. In a small market, carrier appetite varies more than driver profile does, and one carrier declining to compete for Wyoming business can move your options substantially.

One habit matters more than any single carrier choice: re-check every year or two, and again after anything that changes your risk profile — a move across town, a new vehicle, a driver added or removed, or a violation ageing off your record. Carriers re-weight their rating factors continuously, so the one that priced you best three years ago is often not the one that prices you best today.

If you need an SR-22 in Wyoming

Wyoming requires an SR-22 filing after certain suspensions, including driving without insurance and DUI convictions. Your insurer files it with the Department of Transportation and must notify the state if the policy lapses. Confirm the period for your case with WYDOT, since it runs from your reinstatement date.

Wyoming auto insurance FAQ

What is the minimum car insurance required in Wyoming?: Liability coverage of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage — written as 25/50/20.
When do I have to prove insurance in Wyoming?: At any traffic stop, and specifically after any crash causing more than $1,000 in property damage or injury to a person outside your immediate household. That $1,000 threshold is low enough that most reportable crashes reach it.
Is uninsured motorist coverage required in Wyoming?: No, it is optional. In an at-fault state your own uninsured motorist coverage is the only thing that responds when the at-fault driver has no policy, so it is worth pricing rather than assuming out.
Is hitting a deer or antelope covered in Wyoming?: Under most policies an animal collision is a comprehensive claim rather than a collision claim. Given how common wildlife collisions are in Wyoming — and how severe an elk strike can be — it is worth confirming how your policy treats them. A liability-only policy covers neither.
Is Wyoming an at-fault or no-fault state?: Wyoming is an at-fault state. The driver who caused the crash is responsible for the resulting damage, and their liability coverage pays up to the policy limits.

Sources

Requirements on this page were verified against Wyoming’s own regulator and motor vehicle agency on the date shown at the top. Rules change — if you are making a decision that turns on an exact figure, confirm it at the source.

Consumer help in Wyoming: Wyoming Department of Insurance, (307) 777-7401.