Wyoming's Three Liability Minimums
Wyoming law requires three liability coverage minimums: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 per accident for property damage. These figures appear on your declarations page as 25/50/20. Every registered vehicle in Wyoming must carry at least this much liability coverage to satisfy state law.
The state does not mandate personal injury protection or uninsured motorist coverage. You can buy a policy with only the three liability minimums and meet Wyoming's legal requirement. Whether that policy protects you adequately in a real collision is a separate question, but it satisfies the registration and proof-of-insurance rules the state enforces.
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Get Your Free QuoteWyoming Uninsured Motorists
6.7%
Nearly 7 out of every 100 drivers on Wyoming roads carry no insurance. Without uninsured motorist coverage on your own policy, you bear the full cost when one of them hits you.
Insurance Research Council, 2023
What Wyoming Law Does Not Require
Wyoming does not require uninsured motorist coverage, underinsured motorist coverage, personal injury protection, medical payments coverage, collision coverage, or comprehensive coverage. The state's only mandate is the three liability minimums. Liability pays the other driver when you cause the accident. It does not pay your own medical bills, repair your own vehicle, or cover you when the other driver has no insurance.
This creates a structural gap. The state requires you to carry coverage that protects others, but does not require coverage that protects you. A driver carrying only the state minimums is fully exposed in three common scenarios: the other driver is uninsured, the other driver's limits are too low to cover your damages, or you are injured in a single-vehicle accident with no other party to sue.
Carriers writing in Wyoming offer uninsured and underinsured motorist coverage as optional add-ons. With 6.7% of Wyoming drivers uninsured, that optional coverage becomes the only financial protection when an uninsured driver causes a collision. The state does not force you to buy it, but the collision risk remains whether you do or not.
Wyoming requires liability coverage that pays others, but does not require coverage that pays you when an uninsured driver hits you or your own vehicle is damaged.
Proof of Insurance at Registration and Traffic Stops
At registration, the county clerk verifies that you have active liability coverage meeting the state minimums. Most carriers file proof electronically with the Wyoming Department of Transportation, so the clerk sees your coverage status in the system.
During a traffic stop, Wyoming law requires you to show proof of insurance on demand. Acceptable proof includes your insurance card (paper or electronic), a binder from your carrier, or a certificate of insurance. Failure to provide proof at the stop can result in a citation, even if you have active coverage. The citation is typically dismissed if you later prove you were insured at the time, but the stop and court appearance are not avoided.
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Structuring Coverage Beyond the Minimums
The state minimums protect you from a registration suspension, but they do not protect you from financial loss in most real collisions. A bodily injury claim from a serious accident often exceeds $25,000 per person. A totaled vehicle often exceeds $20,000 in property damage. When your liability limits are exhausted, the injured party can sue you personally for the remainder.
Uninsured motorist coverage fills the gap when the other driver has no insurance. Underinsured motorist coverage fills the gap when the other driver's limits are too low. Collision coverage repairs your own vehicle regardless of fault. Comprehensive coverage pays for theft, hail, and animal strikes. None of these are required by Wyoming law, but each addresses a specific failure mode the state minimums leave open.
Households insuring multiple vehicles often structure coverage by carrying higher liability limits and uninsured motorist coverage on every vehicle, then adding collision and comprehensive only on newer or financed vehicles. This approach keeps the premium manageable while closing the uninsured-driver gap across the household. The multi-car discount applies when every vehicle sits on the same policy, reducing the per-vehicle cost of the higher limits.
Wyoming Multi-Car Carriers
17 carriers
Seventeen carriers write auto insurance in Wyoming and offer multi-vehicle policies. Rates and discount structures vary significantly by carrier, so comparing quotes across at least three carriers is the only way to identify the lowest cost for your household's vehicles and coverage structure.
Wyoming Department of Insurance carrier roster, 2025
SR-22 Filing When Required
Wyoming requires an SR-22 certificate of insurance for three years after a DUI conviction, after certain mandatory revocation offenses, or when you are caught driving without insurance or without a license. The SR-22 is not a type of insurance. It is a filing your carrier submits to WYDOT certifying that you carry at least the state minimum liability coverage.
If your policy lapses while the SR-22 is on file, the carrier notifies WYDOT immediately and your license is suspended until you reinstate coverage and file a new SR-22. The three-year SR-22 period is measured from the conviction or suspension date, not from the filing date. Switching carriers during the SR-22 period requires the new carrier to file an SR-22 before you cancel the old policy, or you will experience a lapse and a suspension.
Compare Carriers for Your Household's Vehicles
Wyoming's insurance requirement is a floor, not a ceiling. The state tells you the minimum liability coverage you must carry to register and drive. It does not tell you what coverage structure protects your household's vehicles and finances in a real collision. That decision depends on the value of your vehicles, the medical cost risk you are willing to carry, and the uninsured-driver exposure you face on Wyoming roads.
Carriers writing in Wyoming price multi-vehicle policies differently. One carrier's multi-car discount may offset a higher base rate; another's lower base rate may produce a better total premium even with a smaller discount. The only way to identify the lowest cost for your household is to compare quotes from at least three carriers, specifying the same coverage limits and the same vehicles on each quote. Use the comparison tool to request quotes structured for your household's vehicles and coverage decisions.