Car insurance · Wyoming

Car insurance requirements in Wyoming

Liability minimum 25/50/20. Claims system: fault-based claims.

Last reviewed 2026-10 · 3 cited sources · Published by Simple Insurance Guide · How we verify

Verified summaryAll Wyoming insurance topics

Requirements

Minimum car insurance requirements in Wyoming

Coverage	Requirement in Wyoming
Bodily injury liability	$25,000 / $50,000 (per person / per accident)
Property damage liability	$20,000
Injury protection	Not listed as required
Uninsured / underinsured motorist	Not listed as required

What the law requires you to carry

Liability insurance of at least $25,000 / $50,000 / $20,000 for any person who drives on a roadway maintained for public use in Wyoming
Proof of current liability insurance from any driver in an accident that causes more than $1,000 in property damage or injury to a person outside the driver's household

Uninsured drivers

Uninsured motorist coverage in Wyoming

Not listed as required.

The Wyoming Department of Insurance describes the three main liability-related parts of a policy: bodily injury liability, property damage liability and uninsured motorist coverage.

Optional coverage

Coverage you can add in Wyoming

Uninsured motorist coverage
Collision
Comprehensive
Medical payments

Penalties

Penalties for driving without insurance in Wyoming

Under Wyoming Statute 31-4-103, operating a motor vehicle without the required liability coverage is a misdemeanor punishable by up to six months in jail, a fine, or both. The statute's fines have been amended over time and range up to $1,500 in the current text, so confirm the exact amount for your situation. A driver who cannot show proof of financial responsibility has seven days to produce it. On a second or later violation, the judge requires the registration and plates to be delivered to the county treasurer until the court's conditions are met. The Wyoming Department of Transportation adds that after an accident without proof of insurance it asks for an SR-21 verifying coverage at the time of the accident, or security (a certified check or a certificate of deposit), or a notarized conditional release of liability, and it may require an SR-22 from an insurer authorized in Wyoming.

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