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 drunken 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 $5,000 or more and kept suspended until the debt is paid in full.
Proof of insurance via smartphone: Wyoming law allows drivers to show electronic proof of insurance during a traffic stop. Thirty-one states total allow this.
Know the code: The prefix on a Wyoming license plate discloses the driver's county of residence, with counties numbered from 1 to 23. Here's a guide: 1: Natrona; 2: Laramie; 3: Sheridan; 4: Sweetwater; 5: Albany; 6: Carbon; 7: Goshen; 8: Platte; 9: Big Horn; 10: Fremont; 11: Park; 12: Lincoln; 13: Converse; 14: Niobrara; 15: Hot Springs; 16: Johnson; 17: Campbell; 18: Crook; 19: Uinta; 20: Washakie; 21: Weston; 22: Teton; 23: Sublette.
Largest car insurance companies for Wyoming by market share
||Company / Group
||Direct Premiums Written ($)
||Market Share (%)
||State Farm Group
||Progressive Insurance Group
||Farmers Insurance Group
||Mountain West Insurance Group
||Berkshire Hathaway Insurance
||Liberty Mutual Insurance Companies
||Allstate Insurance Group
||Sentry Insurance Group
|Source: A.M. Best market share rankings are based on direct premiums written in 2013.