Minimum Car Insurance in Wyoming
The liability limits Wyoming requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: 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
| 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 |
More Wyoming car insurance & vehicle laws
- Driving Without Insurance in Wyoming
- SR-22 Insurance in Wyoming
- When a Car Is a Total Loss in Wyoming
- Transferring a Car Title in Wyoming
- All Wyoming car insurance & vehicle laws rules
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.
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.