All drivers in Wyoming are required to maintain a minimum level of auto insurance in order to register or legally operate a vehicle. As an at-fault state, Wyoming holds the responsible driver financially liable for damages after a crash. This guide breaks down what you need to know about insurance laws, required coverages, and penalties for 2025.
Wyoming Liability Minimums at a Glance
To drive legally in Wyoming, you must carry at least:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury per accident
- $20,000 in property damage liability
This is commonly referred to as 25/50/20 coverage.
Should You Get Coverage to Protect You From Uninsured Motorist
Wyoming law requires insurance companies to offer Uninsured Motorist (UM) Bodily Injury coverage at limits equal to your liability coverage. However, you can reject UM coverage in writing.
UM coverage helps pay for your medical bills if you’re injured by a driver who has no insurance—an unfortunately common scenario on Wyoming’s open roads.
Other Coverage to Consider In Wyoming
In addition to the required coverage, these optional protections can help keep you covered in more situations:
- Collision Coverage: Pays for repairs to your own vehicle after a crash, regardless of fault.
- Comprehensive Coverage: Covers damage from wildfires, hail, theft, animal strikes (especially deer or elk), and more.
- Medical Payments (MedPay): Helps pay for injuries to you or your passengers, even if you’re at fault.
- Roadside Assistance & Rental Reimbursement: Useful for long drives or winter travel in remote areas.
What If You Are Caught Driving Without Insurance in Wyoming
If you’re caught driving uninsured in Wyoming, you could face serious consequences, including:
- Fines of up to $1,500
- Up to 6 months in jail
- Suspension of your driver’s license and vehicle registration
- Filing an SR‑22 certificate for 3 years to prove future coverage
Proof of Insurance & Electronic Verification
Drivers must carry proof of insurance at all times. This can include:
- A printed or digital insurance ID card
- A certificate of deposit or liability bond (for self-insured drivers)
Wyoming also uses an electronic insurance verification system that cross-checks registration records with insurance company data. This system is typically triggered during traffic stops or vehicle registration—not randomly, but enforcement is strict if a lapse is detected.
Compare to Nearby States
| State | Minimum Liability Limits | Notable Rules |
|---|---|---|
| Wyoming | 25/50/20 | UM offered; SR‑22 required after lapse |
| Montana | 25/50/20 | Similar limits; electronic verification used |
| Colorado | 25/50/15 | Lower property damage minimum |
| South Dakota | 25/50/25 | Higher property damage minimum |
| Nebraska | 25/50/25 | UM required |
Frequently Asked Questions about Wyoming Car Insurance
What are Wyoming’s minimum insurance requirements in 2025?
Drivers must carry at least 25/50/20 liability coverage. That means $25,000 for injuries to one person, $50,000 per accident, and $20,000 for property damage.
Is Uninsured Motorist coverage required in Wyoming?
No, but it’s strongly encouraged. Insurers must offer it, and you must reject it in writing if you don’t want it.
Does Wyoming check insurance electronically?
Yes. The state uses real-time electronic verification to confirm coverage during registration and traffic stops.
What happens if I cancel my policy but keep my plates?
Your registration may be suspended, and you could face fines and license revocation—even if the car is parked.
Can I use digital proof of insurance?
Yes. Wyoming law allows digital proof, such as a PDF on your phone or insurance company app.