Uninsured Motorist Coverage — Wyoming
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Wyoming Does Not Require Uninsured Motorist Coverage
You just added a second vehicle to your Wyoming policy and confirmed you carry the state's $25,000 per person, $50,000 per accident bodily injury minimum and $20,000 property damage liability. Every car on your policy meets the legal floor. What the policy does not automatically include: coverage for your own medical bills and vehicle damage when an at-fault driver carries no insurance. Wyoming law does not require uninsured motorist coverage, and most carriers do not add it unless you ask.
This creates a structural gap. Your liability coverage pays the other driver's costs when you cause the accident. Uninsured motorist coverage pays your costs when the at-fault driver has no policy. Without UM, you rely entirely on the at-fault driver's ability to pay out of pocket. In Wyoming, 6.7% of motorists drive uninsured. That is roughly 1 in 15 drivers on the road with you.
“Wyoming does not require UM coverage, so your carrier will not add it automatically — you must request it when you bind the policy or add a vehicle.”
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Wyoming Uninsured Motorist Rate
Approximately 1 in 15 Wyoming drivers carries no auto insurance, according to 2023 state insurance statistics. When an uninsured driver causes an accident, your liability policy does not cover your own vehicle damage or medical expenses.
Wyoming Department of Insurance, 2023
What Uninsured Motorist Coverage Actually Pays
Uninsured motorist bodily injury coverage pays your medical bills, lost wages, and pain-and-suffering damages when an at-fault driver carries no liability policy. Underinsured motorist coverage extends that protection when the at-fault driver's liability limits are too low to cover your costs. Both coverages apply per person and per accident, mirroring the structure of liability limits.
Uninsured motorist property damage coverage pays to repair or replace your vehicle when an at-fault uninsured driver damages it. Some carriers bundle UMPD with collision coverage; others offer it as a standalone endorsement. UMPD typically carries a deductible, and some policies cap the payout below the vehicle's actual cash value.
UM coverage follows the policy, not the vehicle. When you add a second or third car to your Wyoming policy, the UM limits you select apply to all covered vehicles and all household members listed on the policy. You do not buy separate UM coverage per vehicle.
Wyoming does not require UM coverage, so your carrier will not add it automatically. You must request it when you bind the policy or add a vehicle.
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Stacking and Non-Stacking UM Policies
Wyoming allows stacking of UM coverage when the policy language permits it. Stacking means you can combine the UM limits from multiple vehicles on the same policy to increase the total available coverage after an accident.
Non-stacking policies cap UM coverage at the per-person and per-accident limits stated in the policy, regardless of how many vehicles you insure. Most carriers in Wyoming offer non-stacking UM by default. Stacking endorsements cost more, and not every carrier writes them. When you add a vehicle, confirm whether your UM coverage stacks. If it does not, adding a third car does not increase your UM protection.
Stacking rules vary by carrier. Some allow stacking only when you carry UM limits equal to or higher than your liability limits. Others restrict stacking to bodily injury UM and exclude property damage. Read the policy declarations page. The stacking status appears in the UM coverage section, often labeled as stacked or non-stacked limits.
$25,000 / $50,000
Wyoming Minimum Liability Limits
Wyoming requires $25,000 per person and $50,000 per accident bodily injury liability, plus $20,000 property damage. UM coverage is optional, but many households match their UM limits to their liability limits to avoid a protection gap.
Wyoming Statutes § 31-9-403
Choosing UM Limits for a Multi-Vehicle Household
Start with your liability limits. This ensures you are as well protected when someone else causes the accident as you are when you cause it. Households that carry higher liability limits to protect assets should extend the same logic to UM coverage.
Evaluate your collision and comprehensive deductibles. If you carry a $500 collision deductible and no UMPD coverage, you pay the first $500 of vehicle damage out of pocket when an uninsured driver hits you. UMPD with a lower deductible can reduce that exposure. Some carriers waive the UMPD deductible when the at-fault driver is identified and confirmed uninsured.
Compare Carriers That Write UM Coverage in Wyoming
Not every carrier offers the same UM options. Geico, Progressive, State Farm, and USAA write UM bodily injury and UMPD in Wyoming. Allstate and Farmers offer UM coverage with stacking endorsements available on request. Dairyland and Bristol West write UM for non-standard policies, though stacking options are limited. National General and The General offer UM coverage but typically default to non-stacking limits.
When you add a vehicle, request UM quotes from at least three carriers. Ask whether the policy allows stacking, whether UMPD is included or requires a separate endorsement, and whether the carrier waives the UMPD deductible when the at-fault driver is identified. Carriers price UM coverage differently. A household with three vehicles may see a lower combined premium by switching carriers than by adding UM to an existing policy that prices it high.
How UM Coverage Works Across Multiple Vehicles
The per-person cap applies to each injured individual, but the per-accident cap is shared.
This structure matters when you add vehicles. A household with three cars and one UM policy does not triple its UM protection. The same per-accident limit applies whether the uninsured driver hits your first car, your third car, or a household member driving any covered vehicle. If your UM limits are lower than your liability limits, you may be better protected when you cause an accident than when an uninsured driver causes one.
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Get My Wyoming Car Insurance QuoteFrequently Asked Questions
Does Wyoming require uninsured motorist coverage?
No. Wyoming does not mandate uninsured motorist coverage. Carriers must offer it, but you can decline. Approximately 6.7% of Wyoming drivers carry no insurance, so declining UM leaves you exposed when an at-fault uninsured driver causes an accident.
What is the difference between uninsured and underinsured motorist coverage?
Uninsured motorist coverage pays your costs when an at-fault driver carries no insurance. Underinsured motorist coverage pays when the at-fault driver's liability limits are too low to cover your medical bills and vehicle damage. Both are optional in Wyoming.
Can I stack uninsured motorist coverage across multiple vehicles in Wyoming?
Yes, if your policy allows stacking. Stacking combines the UM limits from each vehicle on your policy to increase total coverage. Most Wyoming carriers offer non-stacking UM by default; stacking endorsements cost more and must be requested when you bind or renew.
Does uninsured motorist property damage cover my vehicle?
Yes, if you add UMPD to your policy. UMPD pays to repair or replace your vehicle when an at-fault uninsured driver damages it. UMPD typically carries a deductible, and some policies cap the payout below the vehicle's actual cash value.
Should I match my UM limits to my liability limits?
Matching your UM limits to your liability limits ensures you are as well protected when someone else causes an accident as when you cause it. If you carry $50,000 per person liability, consider $50,000 per person UM to avoid a coverage gap.
Do I need separate UM coverage for each vehicle I insure?
No. UM coverage follows the policy, not the vehicle. When you add a second or third car, the UM limits you select apply to all covered vehicles and all household members on the policy.