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
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:
- 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.