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Wyoming Car Insurance


Small cities and long distances mean Wyoming drivers spend a lot of time in their cars in conditions that can turn mean any month of the year. Below you'll find details about what Wyoming requires in the way of car insurance and a comparison of state car insurance rates in every ZIP code in the state.

Wyoming Car Insurance Requirements
Average Car Insurance Rates in Wyoming
Car Insurance Companies in Wyoming

Wyoming car insurance requirements

Wyoming state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $20,000

What you need to know about car insurance in Wyoming

Penny Gusner
Consumer Analyst

Wyoming Car Insurance Laws

Wyoming requires its drivers to buy at least $25,000 of bodily injury liability per person (up to $50,000 per accident) and property damage liability of $20,000 or more. Uninsured and underinsured motorist coverage is optional.

Seat belt use is mandatory. In 2010, the state of Wyoming notes, two-thirds of those killed in traffic accidents were not wearing their safety belts. Among pickup truck drivers, 95 percent were unbelted. 

Shop around: Wyoming ranks among the top 10 states in the country for potential savings on car insurance. In our study of six national insurance companies, a Wyoming driver could save 44 percent off the average rate by comparing multiple companies.

Wyoming uninsured motorist penalties: You may be fined up to $750 and be sentenced to six months in jail and your license and registration may be suspended.

No points: Wyoming doesn't use a driver's license points system to determine who should lose the right to drive, as most other states do. But a conviction for a DUI or reckless driving, leaving the scene of an accident or driving without mandatory insurance will bring a 90-day suspension or worse. Three moving violations in a 12-month period will do the trick, too.

Child-support suspension: As in many other states, a driver can lose his or her driving privileges if child support payments are in arrears. In Wyoming, a driver's license is suspended once the total owed is $5,000 or more and kept suspended until the debt is paid in full.

Proof of insurance via smartphone: Wyoming law allows drivers to show electronic proof of insurance during a traffic stop. Thirty-one states total allow this.

Know the code: The prefix on a Wyoming license plate discloses the driver's county of residence, with counties numbered from 1 to 23. Here's a guide: 1: Natrona; 2: Laramie; 3: Sheridan; 4: Sweetwater; 5: Albany; 6: Carbon; 7: Goshen; 8: Platte; 9: Big Horn; 10: Fremont; 11: Park; 12: Lincoln; 13: Converse; 14: Niobrara; 15: Hot Springs; 16: Johnson; 17: Campbell; 18: Crook; 19: Uinta; 20: Washakie; 21: Weston; 22: Teton; 23: Sublette.

Largest car insurance companies for Wyoming by market share

Rank Company / Group Direct Premiums Written ($) Market Share (%)
1 State Farm Group 79,222 23.48
2 Progressive Insurance Group 47,566 14.10
3 Farmers Insurance Group 44,509 13.19
4 Mountain West Insurance Group 35,232 10.44
5 Berkshire Hathaway Insurance 24,795 7.35
6 Liberty Mutual Insurance Companies 21,765 6.45
7 USAA Group 17,694 5.24
8 Allstate Insurance Group 16,613 4.92
9 Nationwide Group 12,708 3.77
10 Sentry Insurance Group 8,435 2.50
Source: A.M. Best market share rankings are based on direct premiums written in 2013.