Wyoming minimum car insurance requirements are:
- Auto Insurance policy with limits of at least 25/50/20 – meaning:
- Liability coverage
- $25,000 of bodily injury to another person
- $50,000 of bodily injuries to all other persons
- $20,000 of injury to or destruction of property of others in any one accident
Uninsured motorist coverage will be included in any policy issued in Wyoming unless a consumer rejects the coverage in writing. The minimum uninsured motorist coverage is $25,000 per person for injury and $50,000 per accident. It does not protect property damage.
Alternative Options to Insurance:
Self Insurance Certificates are available in Wyoming if the following requirements are met, per state code 31-9-414:
- You or your company must have at more than 25 registered vehicles.
- You may qualify as a self-insurer by filing cash, securities or a surety bond worth $200,000 plus $100 for each self-insured, registered vehicle covered.
In Wyoming, you have the option to use a surety bond or cash deposit instead of insurance if the following requirements are met, per state codes 31-9-408 and 31-9-409:
- Cash or securities deposit of at least $25,000 made through the state treasurer.
- A bond can be made through a surety company licensed by Wyoming in the amount of the state’s minimum coverage: $25,000 for one injury or death, $50,000 for more than one injury or death, and $20,000 for property damage.
Required Proof of Insurance in Wyoming
Identification Card provided by insurance company including all of the following:
- The name of the insured person
- The name of the insurance provider
- A description of the insured vehicle, including year, make, and model information and the vehicle’s identification number, or VIN.
- The effective date of coverage
Self Insurance certificates are issued by the state and must include the following:
- Certificate number
- Effective Date of Certificate
- Accurate description of year, make/model of registered vehicle
- Name of driver covered by certificate
- Certificate of Deposit with the state treasurer
- Liability Bond
Wyoming Insurance Department
106 East 6th Ave.
Cheyenne, WY 82002
Obtaining a Driver’s License
Wyoming has a Graduated Driver License program that allows drivers to begin operating a vehicle at as young as 14 years old.
Wyoming offers two types of Learner’s permits: restricted and regular.
Restricted Learner’s Permits:
- Are sometimes referred to as a “hardship permit.”
- Can be issued to 14- and 15-year-olds.
- May be issued to minors who live more than five miles from their school, who work at least 10 hours per week at a job more than five miles from their residence, and minors who meet other qualifications deemed to be extreme inconveniences by the state highway patrol, such as the need to provide long-term transportation for medical conditions.
- Require that drivers pass a written exam and vision screening when they apply for a restricted permit.
- Are valid for a period of 60 days.
Become invalid if a driver:
- Is convicted of a moving violation.
- Drives between 8 p.m. and 5 a.m.
- Drives beyond a 50-mile radius of his house.
- Violates any restrictions of his license.
Regular Learner’s Permits:
- Are generally issued to minors 15 and 16 years old.
- Are often required for enrollment in a driver education course.
- Require that student drivers operate a vehicle only when accompanied by a licensed driver 18 or older in the front seat.
- Are valid for one year but may be renewed multiple times. Permits must be held for at least 10 days before drivers can apply for full driving privileges.
After permits are held for their specified period of time, drivers can apply for either a full “RC,” also known as a restricted license, or an Intermediate Permit.
Drivers who previously held a Restricted Permit may apply for a full “RC” license, which allows eligible drivers to drive alone with a few restrictions:
- Drivers can only drive between 5 a.m. and 8 p.m.
- Drivers can only drive within a 50-mile radius of their residence.
- Any other restrictions the Wyoming Highway Patrol deems necessary.
- Are available to drivers who are at least 16 years old.
- Are only available to drivers who have completed a driver education course, if under 17.
- Require passing a vision screening.
- Require proof that the driver has earned 50 hours of behind-the-wheel driving time, with 10 of those hours being at night.
- Require that the driver held a regular learner’s permit for at least 10 days.
Restrict drivers to:
- No more than one non-family member passenger under 18 years old.
- Driving only between 5 a.m. and 11 p.m.
- Following all laws.
- Completing an exception form, FSGDL-02, if a driver must break a restriction for a medical necessity, for work hours beyond what is allowed, or to drive to or from a school, organized sports, or religious activity. A form is required for EACH time an exception is necessary.
Restrictions do not apply if the driver is accompanied by a licensed driver 18 or older.
To apply for any level of driver’s permit or license, go to your local exam center and bring the following:
- Affidavit for a restricted license, if applicable.
- School attendance verification form or work verification form, if applying for a restricted permit for such purposes.
- Certification of completion of a driver education course.
- A state-certified copy of your birth certificate.
- A parent or legal guardian, or notarized application form signed by a parent or legal guardian, if younger than 18.
- Proof of Social Security Number.
Two of the following to prove Wyoming residency:
- Lease agreement, rent or utility receipt with your name and residential address.
- Proof of Wyoming voter registration.
- Vehicle registration form with your name and residential address.
Fees in cash, check or money order. Credit and debit cards are accepted in the Cheyenne, Casper and Jackson driver exam offices. Restricted licenses are $10; full licenses and instruction permits are $20 and duplicate licenses are $15.
Completing Driver Education
Driver education courses must be approved through the Wyoming Department of Education. Minors who wish to get a license must apply for admittance into a driver education course through their school district. A certification of completion of the course should be presented when applying for a driver license and may waive the necessity to take a written driving test.
A list of state approved programs is available online.
Knowing the Rules of the Road
Abiding by traffic laws can help drivers qualify for the best car insurance rates in Wyoming. Residents can download all state statutes through the state legislature page. Driving codes can be found in Title 31, which covers motor vehicles.
- Alcoholic beverages: 31-5-233,
- Child passenger restraints and penalties: 31-5-1303
- Dropping load and other materials: 31-5-228
- DUI – Impaired Driving: 31-5-233
- Minimum speed: 31-5-304
- Mopeds and motorized scooters: 31-5-115
- Motorcycles – Operating on roadways: 31-5-115
- Racing vehicles and reckless driving: 31-5-229
- Seat belt requirements and penalties: 31-5-1402
- Speeding and maximum speed limits: 31-5-301
- Texting while driving prohibition: 31-5-237
- Unattended motor vehicle – Removal: 31-5-509
Residents of Wyoming will fall into different categories based on the risk insurance providers deem a driver is. Older drivers with an established history of safe driving and few claims will pay the lowest auto insurance rates in Wyoming. Younger drivers or drivers with a few tickets or accidents on their record will pay a bit more, but they’ll still qualify for affordable auto insurance in Wyoming. Drivers who have been convicted of driving while intoxicated or those with a history of poor or reckless driving will pay the highest rates, often much more the average cost of car insurance in Wyoming.
Know Your Rates
Auto insurance rates are calculated by carefully considering all of the licensed drivers in your household. Your rates are made up by several factors, some of which you can’t control, but some of which you can:
- Age. Statistics show that younger drivers, those under 25, are more likely to be in an accident than older drivers.
- Gender. Males, especially males under 25, are statistically more likely to be in an accident than their female counterparts.
- Driving record and claims history. The best way to keep your rates low is to drive safely and follow all the laws in place. It makes you less of a risk and cheaper to insure.
- Marital status. Married people are typically in fewer accidents than their single counterparts, so they will usually be offered low cost car insurance in Wyoming.
- Make, model, and year of the vehicle. According to the Department of Insurance, insurance companies typically see much higher losses on sports cars than family vehicles such as sedans and station wagons. Some companies won’t even insure high-performance vehicles because of the risk involved.
Lower Your Rates
The Wyoming Department of Insurance offers a few basic tips on how to keep your insurance premiums as low as possible:
- Drive safely. The easiest and best thing to do is to drive safely and maintain a good driving record. The safer you drive, the less risk you are to your insurance company, and the cheaper you are to insure.
- Shop around. Compare auto insurance rates in Wyoming before deciding on one.
- Before purchasing a vehicle, ask your insurance provider how your rates might change.
- Check for discounts that might be offered for multi-car plans or insurance packages.
- If you have racked up a number of accidents or tickets in the past few years, keep your current policy. While your rates have likely gone up, a new insurer has the right to cancel your policy within the first 60 days of coverage, and you’ll be left without insurance.
Picking an Insurance Agent/Broker
Most consumers choose to purchase an insurance policy through an agent or broker. The difference between an agent and a broker is that while an agent works for a particular company, the broker works to find the policy that works best for you from a variety of different companies. It can be a good idea to find an agent or broker who already has an established reputation in your community, as they will likely help you find the best car insurance in Wyoming.
Once you have chosen your agent or broker, you can go to them with questions about your policy or coverage. According to the Wyoming Department of Insurance, the Insurance Commissioner has asked companies to write their contracts in plain language rather than in legal terms so that they are easier to understand. If there is anything you don’t understand or something you would like clarified, ask them. They earn money from your business, so in order to keep your business, they should take the time to answer your questions and address any concerns you might have.
The Insurance Commissioner’s office is dedicated to protecting Wyoming consumers and will do everything possible to solve disputes between consumers and companies. They can ask companies to explain actions to consumers or can try to explain why some decisions were made. They can also answer general insurance questions.
To file a complaint against your agent or insurance provider, or for further assistance, call the Wyoming Department of Insurance at (307) 777-7401.
After an Accident
Accidents happen and will always come with some level of stress, but by following a few simple steps, the recovery process after an accident can be smooth for all parties.
- Call the police.
- Exchange vital information with other parties involved, even if the other driver has no car insurance in Wyoming.
- Take note of, and gather information from, witnesses.
- Notify your insurance provider.
- Complete an accident report and return it to law enforcement within 10 days.
Insurance for High-Risk Drivers
Everyone can get auto coverage, though everyone might not be able to get coverage through a voluntary insurer. The Wyoming Automobile Insurance Plan, sometimes called assigned risk, allows coverage for high-risk drivers. Any agent licensed to sell insurance in Wyoming can help you apply for the program, given you:
- Provide proof you were denied insurance through regular channels.
- Fully and honestly complete the application.
- Hold a current Wyoming driver’s license.
- Are current on premium payments, and/or have made arrangements for payment of an outstanding balance on previous coverage.
The Wyoming Insurance Department offers assistance to anyone shopping for insurance. They will answer inquiries related to insurance, look into complaints with specific agencies, agents, or brokers, educate consumers on insurance law and procedures, and enforce insurance law on the consumer’s behalf if needed. You can contact them at (307) 777-7401 or 1(800) 438-5768.