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Wyoming is an at-fault (tort) state. Drivers must carry at least 25/50/20 in coverage, and the average full-coverage premium is $1,615 a year, 45% below the national average of $2,922. This guide covers what Wyoming requires, what drivers pay, the rules on fault, uninsured drivers, penalties, teen drivers and phone use, and how to pay less.
| Minimum coverage | 25/50/20 |
| Fault system | At-fault (tort) |
| Average full coverage | $1,615 a year ($135 a month), 45% below the national average of $2,922 |
| Uninsured drivers | 6.7% (2023), the 48th highest rate of 51 |
| Filing after serious violations | SR-22 |
Wyoming requires $25,000 bodily injury liability per person, $50,000 per accident, and $20,000 property damage liability (Wyoming Department of Transportation, Driver Services).
The minimums are a legal floor, not a recommendation. Property damage limits in particular don't go far when a new car can cost more than the limit to replace, and anything above your limits is your personal responsibility. See how limits and deductibles work and every type of coverage explained.
The average full-coverage premium in Wyoming is $1,615 a year, 45% below the national average of $2,922. That makes Wyoming the 4th cheapest of 49 (48 states plus D.C.; Alaska and Hawaii aren't in the data) (Experian, "Car Insurance Average Costs by State," published September 9, 2026; full coverage, 12 months to August 2026).
Within Wyoming, prices still vary a lot by ZIP code, driving record and car, and 6.7% of drivers on Wyoming roads were uninsured in 2023, so the coverage you choose matters as much as the premium.
Your own price depends on your ZIP code, age, driving record, car and coverage. Try our car insurance calculator with Wyoming preselected for a personal estimate, and see what determines your car insurance cost.
Wyoming uses modified comparative fault with a 51% bar: your damages are reduced by your share of the blame, and you recover nothing if you are more than 50% at fault. (Matthiesen, Wickert & Lehrer, "Contributory Negligence/Comparative Fault Laws in All 50 States," updated June 10, 2026)
An estimated 6.7% of Wyoming drivers were uninsured in 2023, the 48th highest rate among the 50 states and D.C. (Insurance Research Council, uninsured motorist estimates for 2023, via Insurance Information Institute "Facts + Statistics: Uninsured motorists"). Uninsured and underinsured motorist coverage protects you when one of them hits you. See coverage types.
After a crash causing more than $1,000 of damage, Driver Services must be able to verify that you had liability coverage, so keep your insurance card with you and your policy current. (Wyoming Department of Transportation, Driver Services)
Driving without liability coverage is a misdemeanor punishable by a fine of $500 to $750, up to six months in jail, or both. Repeat offenses carry a fine of $1,000 to $1,500, up to six months in jail, or both. If Driver Services can't confirm your coverage after a crash causing more than $1,000 of damage, it suspends your driving privilege, regardless of fault. (Wyoming Statutes, title 31; Wyoming Department of Transportation)
A conviction for driving uninsured also follows you into your next policy. In CarInsurance.com's rate analysis, it raised the average full-coverage premium in Wyoming from $1,758 to $2,077 a year, an increase of 18% (CarInsurance.com, "Penalty for driving without insurance in every state," updated March 24, 2026; rate analysis).
Beyond the penalties, driving uninsured leaves you personally liable for any damage you cause. See what happens if you drive without car insurance.
Wyoming requires an SR-22, filed by an insurer authorized in Wyoming, to end certain suspensions. It must stay on file for three years. (Wyoming Department of Transportation, Driver Services)
Wyoming uses graduated driver licensing (Insurance Institute for Highway Safety, "Graduated licensing laws" table):
Adding a teen is usually the biggest single increase in a family's premium. Keeping them on the family policy, a good-student discount and a safe, modest car help most.
A distracted-driving ticket can count against your record and your premium. (Insurance Institute for Highway Safety, "Electronic device laws" table)
See how to compare car insurance quotes, or get quotes for your ZIP code.
For questions about a policy, a claim or an insurer's conduct, contact the Wyoming Department of Insurance. It handles consumer questions and complaints about insurers in Wyoming.
AutoInsuranceQuery editorial team. Last reviewed: September 29, 2026.
