Wyoming car insurance: minimums, prices and your estimate
Wyoming requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage liability (written 25/50/20).
Every Wyoming policy includes uninsured motorist coverage at 25/50 unless you reject it, and underinsured coverage is optional. Driving without insurance is a misdemeanor punishable by up to 6 months in jail, a $500 to $1,500 fine, or both.
- Legal minimum
- 25/50/20
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Must be offered; you can turn it down
- Underinsured motorist
- Optional
- Credit-based pricing
- Allowed
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22 (3 years for no insurance)
What drivers in Wyoming can expect to pay
Monthly ranges from our model, anchored to Wyoming's position in 7 published price studies from 2025 and 2026 ($1,863 a year for full coverage and $314 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $133-$177 | $1,863 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $23-$30 | $314 |
| Young driver, full coverage20, own policy, clean record | $248-$373 | $3,726 |
| Senior, full coverage70, clean record | $128-$170 | $1,788 |
| After one at-fault accident35, full coverage | $200-$266 | $2,795 |
| After a DUI35, full coverage | $233-$350 | $3,502 |
| Poor credit35, clean record, full coverage | $238-$343 | $3,484 |
Build your Wyoming estimate
Rules worth knowing in Wyoming
- Uninsured motorist coverage is included at $25,000 per person and $50,000 per accident unless you reject it. After a rejection, your insurer does not have to add it back at renewal unless you ask in writing.
- Wyoming does not require PIP, medical payments or underinsured motorist coverage.
- Insurers cannot cancel, deny or refuse to renew your policy based on credit alone, and may use it only with other valid underwriting factors. They must tell you when they use credit and when it works against you.
- Instead of a policy, you can carry a bond, and a $25,000 cash or securities deposit is accepted as proof of financial responsibility.
- After a conviction for driving without insurance in Wyoming, you have 30 days to file an SR-22 and must keep it for 3 years; if you miss the deadline, your license is suspended until you file.
Questions about Wyoming car insurance
What is the minimum car insurance in Wyoming?
Wyoming requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $20,000 of property damage liability (written 25/50/20).
How much is car insurance in Wyoming per month?
For a 35-year-old with a clean record, our model puts full coverage at about $133 to $177 a month and state-minimum coverage at about $23 to $30. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Wyoming a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Wyoming use my credit score?
Yes. Many insurers in Wyoming use a credit-based insurance score, so better credit usually means a lower price.
Do I need an SR-22 in Wyoming?
Only if a court or the state requires one, usually after a serious violation or a lapse. After a conviction for driving without insurance in Wyoming, you have 30 days to file an SR-22 and must keep it for 3 years; if you miss the deadline, your license is suspended until you file.