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Wyoming requires liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury and $20,000 for property damage, written 25/50/20. The state also has an online insurance verification system. Under W.S. 31-4-103(e), WYDOT's Financial Responsibility Verification Program lets law enforcement, WYDOT and county treasurers confirm that private passenger vehicles carry minimum liability coverage. Vehicles on commercial policies are currently exempt, and the system only checks liability coverage, not comprehensive or collision.
Verification matters most after a crash. A driver involved in an accident that causes more than $1,000 in property damage or injury to a person outside their household must be able to provide proof of current liability insurance. Whether a paper proof of insurance can override an electronic result that shows no coverage is left to the discretion of the law enforcement officer, so it pays to confirm your insurer has reported your policy correctly.
| Minimum liability | 25/50/20 (BI per person / BI per accident / PD, in $1,000s) |
|---|---|
| Other required coverage | None beyond liability |
| Fault system | At-fault (tort) |
| Credit-based insurance scores | Allowed |
| SR-22 / proof of financial responsibility | An SR-22 is a form that tells the Wyoming Department of Transportation you have a valid policy meeting the state's minimum liability requirements. |
Wyoming minimum liability limits
To register and drive a car in Wyoming you need at least this much liability coverage:
- $25,000 for injuries to one person in an accident you cause.
- $50,000 in total for injuries to everyone in that accident.
- $20,000 for damage to other people's property, such as their car.
Tip: The minimum is a legal floor, not a recommendation. If a serious crash costs more than your limits, you could be personally responsible for the rest. See how much liability coverage you may need.
Is Wyoming a no-fault state?
Wyoming is an at-fault (tort) state. The driver who causes a crash is responsible for the other people's injuries and property damage, which is normally paid by that driver's liability insurance. Injured people can claim against the at-fault driver's insurer or, in some cases, sue.
Wyoming is an at-fault state. It uses modified comparative negligence, so fault is divided among the people involved and your own share of blame can reduce or bar your recovery.
Read more: at-fault vs. no-fault states explained.
Can insurers use your credit in Wyoming?
Status: Allowed.
See how credit affects car insurance for the bigger picture.
Penalties for driving uninsured in Wyoming
Failing to maintain liability coverage is a misdemeanor under W.S. 31-4-103. WYDOT also says that when Driver Services cannot confirm a driver's coverage, Wyoming law requires suspension action against that driver's privileges.
WYDOT runs the Financial Responsibility Verification Program, an online system established under W.S. 31-4-103(e). Law enforcement, WYDOT and county treasurers use it to check mandatory liability coverage on private passenger vehicles. Vehicles on commercial policies are currently exempt.
An SR-22 is a form that tells the Wyoming Department of Transportation you have a valid policy meeting the state's minimum liability requirements.
If you are ordered to file proof of insurance, see what SR-22 insurance is.
Tips for Wyoming drivers
- After a crash with more than $1,000 in damage or an injury to someone outside your household, expect to be asked for proof of current liability insurance.
- Carry your paper or digital insurance card even though verification is electronic. WYDOT says whether paper proof overrides an electronic response is up to the officer, so having both helps.
- Ask your insurer to confirm that your policy and VIN were reported correctly. The electronic system can show an unconfirmed result for reasons such as a missing VIN.
- If you switch insurers, make sure the new policy starts before the old one ends. WYDOT says it takes suspension action when it cannot confirm a driver's coverage.
- If an SR-22 is required, your insurer files it with WYDOT. Only a policy that meets the state's minimum liability limits satisfies it.
When you shop, compare quotes from several insurers using the same limits and deductibles, so the prices are like-for-like.
Official resources
- Insurance regulator: Wyoming Department of Insurance
- Motor vehicle agency: Wyoming Department of Transportation - Driver Services
Your state insurance department can answer questions about your rights and handle complaints about insurers.
Frequently asked questions
What are Wyoming's minimum liability limits?
Wyoming requires anyone who drives on a public road in the state to carry liability insurance of at least $25,000 per person and $50,000 per accident for bodily injury and $20,000 for property damage, commonly written 25/50/20. This covers injuries and damage you cause to others, not your own vehicle.
How does Wyoming verify car insurance?
WYDOT's Financial Responsibility Verification Program is an online system. Insurers report policy data, and law enforcement, WYDOT and county treasurers use it to check mandatory liability coverage on private passenger vehicles. It does not check comprehensive or collision coverage, and vehicles under commercial policies are currently exempt.
When do I have to show proof of insurance after an accident in Wyoming?
Drivers involved in an accident that causes more than $1,000 in property damage or injury to a person outside their household must provide proof of current liability insurance. If WYDOT's Driver Services cannot confirm coverage, state law requires suspension action against the driver's driving privileges.
What is an SR-22 in Wyoming?
An SR-22 is a form filed by your insurer that tells the Wyoming Department of Transportation you have a valid policy meeting the state's minimum liability requirements. It is not a type of insurance policy. WYDOT's insurance verification pages and Driver Services can tell you when one is required and how long it must be kept.
Sources
- Wyoming Department of Transportation - Insurance Verification
- Wyoming Department of Transportation - Insurance Verification Frequently Asked Questions
- Wyoming Department of Transportation - Financial Responsibility Verification Program Implementation Guide
- Insurance Information Institute - Background on compulsory auto/uninsured motorists
General information only. State rules change. Confirm current requirements with the Wyoming Department of Insurance or your insurer before you buy. This page is not insurance or legal advice.