Wyoming Car Insurance Laws: Minimum Coverage, Penalties and SR-22
Wyoming car insurance law: minimum liability limits, fault or no-fault, uninsured motorist coverage, proof of insurance, penalties for driving uninsured, SR-22, title and registration.
Quick answers for Wyoming
- Minimum coverage required
- Wyoming requires an owner's liability policy of at least 25/50/20: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $20,000 for property damage; Wyo. Stat. §§ 31-4-103(a), 31-9-405(b), 31-10-101
- At-fault or no-fault
- Wyoming uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. Alabama Department of Insurance, State Auto Insurance Laws (national table)
- Driving without insurance
- Driving or allowing the operation of a vehicle without required insurance is a misdemeanor punishable by up to six months in jail, a fine of $500 to $1,500, or both. Wyo. Stat. § 31-4-103
- SR-22 filing
- After a conviction for driving uninsured, the Department of Transportation requires the person to file and maintain proof of financial responsibility (such as an SR-22 certificate) for three years; Wyo. Stat. § 31-4-103(c)
Last verified: 2026-10-27
Required coverage
| Minimum coverage required | Wyoming requires an owner's liability policy of at least 25/50/20: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $20,000 for property damage; or a bond in the required amounts. Policies must also include uninsured motorist coverage at the same bodily injury limits unless the named insured rejects it. |
|---|---|
| At-fault or no-fault | Wyoming uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists Wyoming among the "Tort States." |
| Uninsured motorist coverage | Included unless rejected. Every auto liability policy on a vehicle registered or principally garaged in Wyoming must include uninsured motorist coverage for bodily injury and death at the state minimum limits, but the named insured may reject it. Once rejected, it need not be included in renewals by the same insurer unless the named insured asks for it in writing. Source: Wyo. Stat. § 31-10-101 |
| Proof of insurance | Insurers must issue an insurance identification card (or temporary evidence valid up to 60 days) for each insured vehicle, and it must be carried in the vehicle at all times. The card may be carried electronically if the insured and insurer agree. Officers issuing a citation for a moving violation or inspecting a vehicle must ask for proof; a driver who cannot show it has seven days to produce it, and is not convicted if he or she shows the court a policy or bond that was valid at the time. |
Driving without insurance and SR-22
| Driving without insurance | Driving or allowing the operation of a vehicle without required insurance is a misdemeanor punishable by up to six months in jail, a fine of $500 to $1,500, or both. For a second or later violation, the judge must order the registration and plates surrendered to the county treasurer until all obligations are met. After a conviction, the person must file and keep proof of financial responsibility for three years; failing to file within 30 days of notice leads to license suspension. The judge may also order a driver who fails to show proof to pay restitution. Source: Wyo. Stat. § 31-4-103 |
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| SR-22 filing | After a conviction for driving uninsured, the Department of Transportation requires the person to file and maintain proof of financial responsibility (such as an SR-22 certificate) for three years; failing to provide it within 30 days after notice results in suspension of the driver's license. Source: Wyo. Stat. § 31-4-103(c) |
Your rights with insurers
| Cancellation and nonrenewal | An insurer may cancel a property and casualty policy (including auto) before the end of its term only for nonpayment of premium, material misrepresentation, substantial change in the risk, or substantial breach of policy duties. Written notice stating the precise reason is required at least 10 days before cancellation for nonpayment and at least 45 days before in other cases. These limits do not apply to new policies in effect less than 60 days. Nonrenewal requires at least 45 days' written notice stating the precise reason, and renewal on less favorable terms or higher rates also requires 45 days' notice. |
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| Total loss rules | When an insurer declares a vehicle a total loss, or (without an insurer) it suffers damage over 75% of its actual retail cash value per a recognized appraisal guide, the owner or the insurer that takes ownership must send the endorsed title to the county clerk with an application for a title branded "salvage." Wyoming will also brand a title based on information in the National Motor Vehicle Title Information System (NMVTIS), even if the current title shows no brand. § 31-2-107(a) is amended effective July 1, 2027. NMVTIS branding: https://www.dot.state.wy.us/home/titles_plates_registration.html |
| Complaints about an insurer | File a complaint with the Wyoming Department of Insurance through the File a Complaint link on its Consumers page. Consumer Affairs: (307) 777-7402; main line (307) 777-7401. |
Title and registration
| Transferring a car title | Titles and liens are handled by the county clerk in the county of residence, and registration and plates by the county treasurer. After a private transfer, the new owner must register within 45 days and may drive during that time with a properly executed title; dealer and certain other transfers allow 60 days. Out-of-state titles require a VIN inspection. Owners can name a transfer-on-death beneficiary on a form recorded with the county clerk; at death, the beneficiary presents the recorded form, a certified death certificate and the title fee for a new title. Statute: https://wyoleg.gov/statutes/compress/title31.pdf; transfer on death: https://www.dot.state.wy.us/files/live/sites/wydot/files/shared/Motor%20Vehicle%20Services/MV-308i%20WYOMING%20AUTOMATIC%20TRANSFER%20OF%20A%20VEHICLE%20TITLE%20UPON%20instructions.pdf |
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| Registering after you move | A previous nonresident owner must register a vehicle upon becoming a Wyoming resident (and immediately if it is used for work in Wyoming). A person counts as a resident for vehicle purposes if employed in Wyoming while living there, or after remaining in the state 120 days or more. Vehicles with out-of-state titles need a VIN inspection when titled. |
Car Insurance & Vehicle Laws FAQ
What is the minimum car insurance required in Wyoming?
Wyoming requires an owner's liability policy of at least 25/50/20: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $20,000 for property damage; or a bond in the required amounts. Policies must also include uninsured motorist coverage at the same bodily injury limits unless the named insured rejects it.
Is Wyoming a no-fault car insurance state?
Wyoming uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists Wyoming among the "Tort States."
Is uninsured motorist coverage required in Wyoming?
Included unless rejected. Every auto liability policy on a vehicle registered or principally garaged in Wyoming must include uninsured motorist coverage for bodily injury and death at the state minimum limits, but the named insured may reject it. Once rejected, it need not be included in renewals by the same insurer unless the named insured asks for it in writing.
Can you show proof of car insurance on your phone in Wyoming?
Insurers must issue an insurance identification card (or temporary evidence valid up to 60 days) for each insured vehicle, and it must be carried in the vehicle at all times. The card may be carried electronically if the insured and insurer agree. Officers issuing a citation for a moving violation or inspecting a vehicle must ask for proof; a driver who cannot show it has seven days to produce it, and is not convicted if he or she shows the court a policy or bond that was valid at the time.
What is the penalty for driving without insurance in Wyoming?
Driving or allowing the operation of a vehicle without required insurance is a misdemeanor punishable by up to six months in jail, a fine of $500 to $1,500, or both. For a second or later violation, the judge must order the registration and plates surrendered to the county treasurer until all obligations are met. After a conviction, the person must file and keep proof of financial responsibility for three years; failing to file within 30 days of notice leads to license suspension. The judge may also order a driver who fails to show proof to pay restitution.
When do you need an SR-22 in Wyoming, and for how long?
After a conviction for driving uninsured, the Department of Transportation requires the person to file and maintain proof of financial responsibility (such as an SR-22 certificate) for three years; failing to provide it within 30 days after notice results in suspension of the driver's license.
How much notice must an insurer give before canceling car insurance in Wyoming?
An insurer may cancel a property and casualty policy (including auto) before the end of its term only for nonpayment of premium, material misrepresentation, substantial change in the risk, or substantial breach of policy duties. Written notice stating the precise reason is required at least 10 days before cancellation for nonpayment and at least 45 days before in other cases. These limits do not apply to new policies in effect less than 60 days. Nonrenewal requires at least 45 days' written notice stating the precise reason, and renewal on less favorable terms or higher rates also requires 45 days' notice.
When is a car a total loss in Wyoming?
When an insurer declares a vehicle a total loss, or (without an insurer) it suffers damage over 75% of its actual retail cash value per a recognized appraisal guide, the owner or the insurer that takes ownership must send the endorsed title to the county clerk with an application for a title branded "salvage." Wyoming will also brand a title based on information in the National Motor Vehicle Title Information System (NMVTIS), even if the current title shows no brand.
How do you transfer a car title in Wyoming?
Titles and liens are handled by the county clerk in the county of residence, and registration and plates by the county treasurer. After a private transfer, the new owner must register within 45 days and may drive during that time with a properly executed title; dealer and certain other transfers allow 60 days. Out-of-state titles require a VIN inspection. Owners can name a transfer-on-death beneficiary on a form recorded with the county clerk; at death, the beneficiary presents the recorded form, a certified death certificate and the title fee for a new title.
How long do you have to register your car after moving to Wyoming?
A previous nonresident owner must register a vehicle upon becoming a Wyoming resident (and immediately if it is used for work in Wyoming). A person counts as a resident for vehicle purposes if employed in Wyoming while living there, or after remaining in the state 120 days or more. Vehicles with out-of-state titles need a VIN inspection when titled.
How do you file a complaint against a car insurance company in Wyoming?
File a complaint with the Wyoming Department of Insurance through the File a Complaint link on its Consumers page. Consumer Affairs: (307) 777-7402; main line (307) 777-7401.
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General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.