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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 right one for 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 coverage per person
  • $50,000 in bodily injury liability coverage per incident
  • $20,000 in property damage liability coverage 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 isn't required, but it 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 optional coverages to your Wyoming auto policy to give you added financial protection if you ever need to make a claim:

  • Uninsured motorist coverage (included automatically unless you decline it in writing)
  • Collision coverage
  • Comprehensive coverage
  • Medical expense coverage
  • Rental car reimbursement coverage
  • Towing and labor coverage

Uninsured drivers in Wyoming

A 2011 report from the Insurance Research Council estimated that 10 percent of Wyoming drivers were uninsured in 2009. On the bright side, this was below the national average of 13.8 percent, but it still means every tenth driver was uninsured.

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.

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

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 2010 report from the Bureau of Transportation Statistics revealed that Wyoming had the worst traffic fatality rate in the nation in 2009. The state experienced more than 27 driving-related deaths per 100,000 motorists. The national average was 10.63 per 100,000 drivers.

Seat belt use

In 2012, just 77 percent of front-seat occupants were observed using restraints, well below the national average of 86 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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