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Wyoming Auto Insurance

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Wyoming follows a Tort insurance system. If you are at fault in an accident, you and your insurance company have to cover all damages and pay for everybody’s medical expenses.

Minimum insurance requirements in Wyoming

The state of Wyoming requires its residents to carry, at minimum, a 25/50/20 Liability policy:

  • $25,000 in Bodily Injury Liability per injured passenger, but not more than $50,000 for the whole accident,
  • $20,000 in Property Damage Liability.

Average insurance prices in Wyoming

Wyoming residents pay somewhat less for car insurance than the nationwide averages. The median quote in Wyoming is around $1,511, while statistics show that the other Americans pay $1,678 per year. Rates may vary from one region to another though, and here are the average quotes in some major cities across the state: $1,610 in Casper, $1,459 in Evanston, $1,586 in Rock Springs, $1,345 in Cheyenne, $1,425 in Gillette, $1,301 in Sheridan, $964 in Cody,

About driving and using a cellphone

The state of Wyoming has taken stance against texting while driving — all text-based communication is forbidden while you are operating a vehicle. No further restrictions are in place.

Teenage driving regulations

Wyoming uses a Graduated Driver Licensing system, a concept meant to help teenage drivers gain hands-on experience with driving on public roads, while still keeping them safe from stressful and high-risk situations. Teenagers may join the GDL program once they are at least 15 and, by the time they get their unrestricted license, are subject to certain restrictions:

  • they must be accompanied by a licensed driver of at least 18 years old at all times; the supervisor must be seated in the passenger’s seat;
  • they may only drive at night (between 11 pm and 5 am) if they are on their way to/from school, work or some religious event;
  • all passengers must wear seatbelts at all times;

Penalties for driving uninsured in Wyoming

A vehicle cannot be registered in Wyoming without showing proof of insurance. If you cancel it afterwards or let it lapse and are caught in traffic, you face a fine between $250 and $750. Upon a second offense, you will be fined between $500 and $1,500 and possibly also be sent to prison for up to 30 days.

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