What is the minimum car insurance requirement in Wyoming?

Wyoming requires liability limits of at least 25/50/20. $25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage.

Is Wyoming an at-fault or no-fault state?

Wyoming is an at-fault state for car insurance claims.

Field report · WY

Car insurance in Wyoming

Wyoming is an at-fault state with a minimum liability requirement of 25/50/20. Here's what that means, what it costs, and what to check before you buy.

Minimum coverage25/50/201

Fault systemAt-fault1

Uninsured motoristMust be offered1

RegulatorWyoming does not have a standalone DMV - the Wyoming Department of Transportation (WYDOT), Driver Services Program administers licensing and related vehicle services

What the minimums actually mean

$25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage.

Wyoming does not mandate UM, UIM, or PIP as part of its minimum requirements - only bodily-injury and property-damage liability are compulsory.

Estimated cost

$265 a year for minimum coverage, $1,760 for full coverage2

Average annual premiums in Wyoming for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.

Why this is an average, not a quote

Rates depend heavily on your driving record, exact ZIP code, vehicle, and the insurer's own pricing model — two neighbors can legally pay very different amounts for the same coverage. Use our cost calculator for a figure based on your own details, or get matched with carriers directly.

SR-22 & high-risk filings

Required after a DUI or driving-without-insurance conviction/suspension, typically maintained about 3 years.

Local conditions worth knowing

Wyoming's extremely low population density and long rural highway distances mean slower emergency response times and elevated risk from high-speed rural crashes and wildlife collisions.

Frequently asked

What is the minimum car insurance requirement in Wyoming?: Wyoming requires liability limits of at least 25/50/20. $25,000 per injured person, $50,000 total per accident for injuries, and $20,000 for property damage.
Is Wyoming an at-fault or no-fault state?: Wyoming is an at-fault state for car insurance claims.
Do I need an SR-22 in Wyoming?: Required after a DUI or driving-without-insurance conviction/suspension, typically maintained about 3 years.
Is uninsured motorist coverage required in Wyoming?: Wyoming does not mandate UM, UIM, or PIP as part of its minimum requirements - only bodily-injury and property-damage liability are compulsory.

Sources

MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.

Figures checked against these sources on October 2, 2026.

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