Wyoming Auto Insurance Policy Requirements

Q: What is in a basic Wyoming auto insurance policy?

A: Your Wyoming auto insurance policy may include various components:

  1. Liability Coverage
    1. Liability insurance considers property and people separately, and so it is divided into two types:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability is mandatory in Wyoming. Liability coverage must be included in your Wyoming auto insurance policy in order to legally drive:
      1. 25/50/20” (Wyoming’s minimum auto insurance requirement)
      2. $25,000 to cover injury/death to one person.
      3. $50,000 to cover injury/death to more than one person.
      4. $20,000 to cover damage to property.
    3. The liability minimums differ for leased vehicles.
  2. Collision Coverage is optional in Wyoming unless your vehicle is financed (not completely paid for), in which case it is a mandatory part of your policy.
  3. Comprehensive Coverage is also optional unless your vehicle is financed. If the vehicle is financed, comprehensive is required by Wyoming state law.
  4. Medical Payments Coverage is not a requirement for Wyoming auto insurance policies.
  5. Uninsured (and Underinsured) Motorist Coverage is always advisable but not required for Wyoming auto insurance policies.
  6. Personal Injury Protection (PIP) Coverage is optional for Wyoming auto insurance policies.
  7. Other Policy Options
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Wyoming a No-Fault state?
A: No, Wyoming does not have a no-fault insurance system.

Q: How can I get a discount on a Wyoming auto insurance policy?
A: You may find that you are eligible for discounts that will keep the price of your Wyoming auto insurance policy down. Please view our list of auto insurance discounts for more information.

Q: Where can I find more information about Wyoming auto insurance?
A: Many helpful resources on Wyoming auto insurance are available on the internet: 

  1. Wyoming Insurance Resources
    1. The Wyoming Department of Transportation (WYDOT) has several divisions: the Motor Vehicle Services Program controls vehicle licensing while the Driver Services Program deals with driver’s license issuance.
    2. The Wyoming Insurance Department is a state-managed regulatory agency that ensures fair insurance practices for both consumers and insurers.
  2. National Insurance Resources

Though Wyoming’s history lies with the cowboys, today’s residents need to worry more about securing good auto insurance than running into enemy territory. CLICKinsure provides its brokerage services to the state of Wyoming, from the ranches in the Snowy Range to the college town of Laramie. Wherever you call home in this grand state – Cheyenne, Casper, Laramie, Gillette, Rock Springs, Sheridan, Green River, Evanston, Riverton, Cody, or deep in its vast countryside so full of untouched beauty – please consider CLICKinsure as your auto insurance broker.

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