Wyoming Auto Insurance — First Driver's Guide
Wyoming requires 25/50/20 liability coverage and is an at-fault state.
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Wyoming at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
15
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Wyoming
Wyoming operates as a tort state, meaning the at-fault driver is financially responsible for damages in an accident. All drivers must carry proof of insurance and present it during traffic stops or after accidents. The Wyoming Department of Insurance enforces these requirements, and driving without proof results in license suspension until proof is filed.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
What Drivers Pay in Wyoming
$188/mo
Typical monthly rate in Wyoming, new drivers
Rate data: Insurify, 2026
What Affects Your Rate
- Winter weather contributes to Wyoming's elevated comprehensive claims — ice, hail, and wildlife collisions are common October through April
Bring Your Under 25 Rate Back to Earth
Compare Rates for Drivers Under 25Rules for new drivers
Night driving
11pm-5am
Passengers
no more than 1 passenger younger than 18
Source: IIHS and state DMV records, verified July 2026
Coverage Types
Liability Insurance
The foundation of every policy — it pays for injuries and property damage you cause to others. Your premium (the monthly amount you pay) covers bodily injury liability and property damage liability combined.
Full Coverage
Industry term for a policy combining liability, collision, and comprehensive — it protects both your legal responsibility and your own vehicle. Lenders require this when you finance or lease a car.
Comprehensive Coverage
Covers damage to your car from non-collision events — theft, vandalism, fire, hail, flooding, and hitting an animal. You choose a deductible amount (commonly $500 or $1,000) that you'll pay before insurance covers the rest.
Collision Coverage
Pays to repair or replace your vehicle after a crash with another car or object, regardless of who was at fault. Like comprehensive, you select a deductible you'll pay out-of-pocket first.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage when you're hit by a driver with no insurance or insufficient coverage. It functions as a safety net when the at-fault driver can't pay.