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wyoming car insurance

Good news, Wyoming residents: just because your state is home to Old Faithful and other world-famous geysers, it doesn't mean your car insurance rates need to reach record heights.

Even though Esurance doesn't insure residents of your awesome state yet, we've partnered with other top-rated insurance companies to make sure you're getting the most bang for your buck.

When you get a quote for Wyoming car insurance, you can compare policies side by side and conveniently find the one that feels right to you. After all, the only thing that should be earth-shattering about auto insurance is your savings.

auto insurance coverages in wyoming

Required coverages

Liability insurance is required for all motorists in Wyoming. This helps pay others' medical expenses or car repairs after an at-fault accident.

The state requires you to carry liability coverage with at least the following limits:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per incident
  • $20,000 in property damage liability per incident

These limits often appear as 25/50/20. You can select higher limits, if you prefer, when you customize your policy.

Uninsured motorist coverage — which helps financially protect you in the event of an accident with an uninsured driver, or in a hit-and-run situation — will be automatically added to your policy unless you reject it in writing.

Licensing and registration authority: Wyoming Dept. of Transportation – Driver Services

Optional coverages

You can typically add the following extra protections to your Wyoming auto policy to give you added peace of mind if you ever need to make a claim:

  • Collision
  • Comprehensive
  • Uninsured motorist
  • Medical expense
  • Rental car reimbursement
  • Towing and labor

If you finance or lease your car, comprehensive and collision coverages may be required by your loan or leasing agent.

Uninsured drivers in Wyoming

The Insurance Research Council estimated that 8.7 percent of Wyoming drivers were uninsured in 2012. On the bright side, this was below the national average of 12.6 percent, but that's still a lot of uninsured drivers on the road.

Uninsured motorist coverage is designed to offer financial protection from uninsured drivers, who may not be able to pay for your medical expenses or repairs after an accident you didn't cause. It's not required in Wyoming, but it will be added to your policy automatically unless you decline it in writing.

wyoming's laws on digital proof of insurance

The Cowboy State has deemed electronic proof of auto insurance OK — meaning you can just pull up your car insurance ID cards on your phone or other smart device if you ever get pulled over. And, of course, the good ol' paper cards are still acceptable too.

filing an sr-22

An SR-22 is a certificate your insurance company can file on your behalf if the state requires it. The SR-22 proves that you have the legally required amount of coverage through your insurer.

Drivers whose licenses have been suspended may need to file an SR-22 through their insurers for up to 3 years.

notable stats that could influence wyoming rates

Depending on your insurer, the general driving habits, claims, and accident rates in your neck of the woods may impact what you pay for car insurance. With that in mind, here are a few stats worth mentioning.

Unsafe driving

A report from the Insurance Institute for Highway Safety revealed that Wyoming had a high traffic fatality rate in 2013 with 87 crash-related deaths. The state experienced about 15 deaths per 100,000 drivers, while the national average was 10.3.

Seat belt use

In 2013, just about 82 percent of vehicle occupants reported using restraints, according to the National Highway Traffic Safety Administration. That was below the national average of 87 percent.

Related links

Moving violations and car insurance rates
Receive your first traffic ticket or get in a crash? See how different moving violations can affect your premium.

Wyoming Insurance Department
Wyoming's official insurance authority.

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