# Wyoming car insurance: liability minimums, penalties for driving uninsured and UM coverage

> Wyoming car insurance must meet the state's liability minimums. See the penalties for driving uninsured, how UM coverage works, crash data and costs.

Canonical page: https://statecover-guide.com/location/wyoming/  
Last reviewed: October 28, 2026 by the StateCover Guide editorial team  
General information, not legal or insurance advice.

## Quick answer

Wyoming requires liability insurance of at least $25,000 per person, $50,000 per accident and $20,000 for property damage, and driving without it is a misdemeanor with a fine of $500 to $1,500, up to 6 months in jail, or both. Uninsured motorist coverage is included on policies unless you reject it. Wyoming drivers spent an average of $948.37 a year per insured vehicle in 2023, below the national $1,281.

## Key facts

| Fact | Wyoming |
|---|---|
| Liability minimum | $25,000 / $50,000 bodily injury, $20,000 property damage |
| Uninsured motorist | Must be included at $25,000/$50,000 unless the named insured rejects it |
| Underinsured motorist | Could not be confirmed from an official source; ask the Wyoming Department of Insurance |
| PIP | Not required |
| Fault system | At-fault |
| Penalty for driving uninsured | Fine of $500 to $1,500, up to 6 months in jail, or both |
| Days to produce proof after a stop | 7 |
| Estimated uninsured drivers (2023) | 6.7% (US: 15.4%) |
| Average spent per insured vehicle (2023) | $948.37 a year, about $79 a month |
| Regulator | [Wyoming Department of Insurance](https://doi.wyo.gov/consumers), 800-438-5768 (toll-free); 307-777-7402 (Consumer Affairs) |
| Registration | [Wyoming Department of Transportation (Motor Vehicle Services)](https://www.dot.state.wy.us/home/titles_plates_registration.html) |

## What Wyoming does to uninsured drivers

Wyoming treats driving without insurance as a crime, not just a ticket. Under W.S. 31-4-103, an owner who drives, or lets someone else drive, a vehicle without the required liability policy or bond faces:

| Stage | What the law says |
|---|---|
| Traffic stop or vehicle inspection | You must show evidence of insurance; if you cannot, you have 7 days to produce it |
| Conviction | Misdemeanor: fine of $500 to $1,500, up to 6 months in jail, or both |
| Second or later violation | The judge must order the vehicle's registration and plates handed to the county treasurer until all obligations are met |
| After any conviction | You must file and keep proof of financial responsibility, often an [SR-22](https://statecover-guide.com/drivers/sr-22/), for 3 years, or your license is suspended |

A valid insurance card counts as proof. If you were insured on the day but did not have the card with you, showing the policy in court avoids a conviction. Wyoming also runs an online insurance verification system that courts, law enforcement and the state can use to check coverage.

Visiting from another state? The rule does not apply to a nonresident's vehicle registered in a state that requires insurance, as long as it carries a policy that meets that state's law. If you move to Wyoming, see our [new residents guide](https://statecover-guide.com/drivers/new-residents/).

## Uninsured motorist coverage comes standard unless you reject it

Under W.S. 31-10-101, every Wyoming liability policy must include uninsured motorist (UM) coverage at the bodily injury minimums, unless the named insured rejects it. Two details matter:

1. **Rejection can stick.** If you rejected UM on an earlier policy with the same insurer, it does not have to be added back at renewal unless you ask for it in writing.
2. **Insolvent insurers count.** A driver whose insurer cannot pay because it is insolvent is treated as uninsured for this coverage.

With an estimated 6.7% of drivers uninsured in 2023, well below the national 15.4%, UM protects against a less common but potentially costly event. Our [uninsured motorist coverage guide](https://statecover-guide.com/coverage/uninsured-motorist/) explains claims.

## Underinsured motorist coverage: ask before you buy

We could not confirm from an official Wyoming source whether insurers must offer underinsured motorist (UIM) coverage, so this page does not state a rule. UIM pays when the at-fault driver has insurance but not enough to cover your injuries. For example, if another driver with a $25,000 per-person limit causes $60,000 in injuries to you, their policy pays up to its limit and UIM, if you have it, can pay toward the rest. Ask your insurer whether UIM is available and at what limits, and contact the Wyoming Department of Insurance at 800-438-5768 (toll-free); 307-777-7402 (Consumer Affairs) with questions.

## Long distances and rural roads: reading Wyoming's crash numbers

Wyoming's crash data look very different depending on the measure. IIHS figures for 2024:

| Measure (2024) | Wyoming | United States |
|---|---|---|
| Crash deaths | 107 | 39,254 |
| Deaths per 100,000 people | 18.2 | 11.5 |
| Deaths per 100 million miles driven | 1.10 | 1.19 |
| Share of deaths on rural roads | 75% | 41% |
| Share of deaths that were speeding-related | 39% | 29% |

Per person, Wyoming's death rate is well above the national rate. Per mile driven, it is below. The gap means a lot of miles are driven on Wyoming roads relative to its small population of 588,753. Many of those miles are rural, and the rural share of deaths is far above the national figure.

For insurance, long rural drives can mean more exposure to wildlife, hail and highway-speed crashes. [Comprehensive coverage](https://statecover-guide.com/coverage/comprehensive/) handles animal strikes and weather damage, and [roadside assistance](https://statecover-guide.com/coverage/roadside-assistance/) can matter when the nearest tow is far away. See also [hitting a deer](https://statecover-guide.com/blog/hitting-a-deer/) and [hail, flood and hurricane damage](https://statecover-guide.com/blog/hail-flood-and-hurricane-damage/).

## Wyoming premiums against the national average

| Measure (2023) | Wyoming | United States |
|---|---|---|
| Average spent per insured vehicle | $948.37 | $1,281 |
| Average liability + collision + comprehensive premium | $1,180.01 | $1,438 |

Wyoming is below the national average on both NAIC measures. Neighbors vary: [Utah](https://statecover-guide.com/location/utah/) is a no-fault state, while [Montana](https://statecover-guide.com/location/montana/) (At-fault) and [Colorado](https://statecover-guide.com/location/colorado/) (At-fault) follow fault rules like Wyoming's.

## FAQ

### What is the minimum car insurance in Wyoming?

$25,000 per person and $50,000 per accident for bodily injury, and $20,000 for property damage. A bond in the required amounts is the main alternative.

### What happens if you're caught driving without insurance in Wyoming?

It is a misdemeanor: a fine of $500 to $1,500, up to 6 months in jail, or both. You must then keep proof of insurance on file for 3 years, and a repeat offense means surrendering your registration and plates until the court is satisfied.

### How long do I have to show proof of insurance in Wyoming?

If you cannot show proof when stopped, you have 7 days to produce it. Showing in court a policy that was valid at the time of the stop avoids a conviction.

### Do I have to buy uninsured motorist coverage in Wyoming?

It is included unless you reject it. If you reject it, a renewal with the same insurer will not add it back unless you ask in writing.

### Is Wyoming a no-fault state?

No. Wyoming is an at-fault state and does not require PIP. The driver who causes a crash is responsible for the other people's losses.

## Sources

- [Wyoming Legislature, Wyoming Statutes Title 31](https://wyoleg.gov/statutes/compress/title31.pdf) — liability requirement, penalties, proof rules, verification system and UM coverage (31-4-103, 31-10-101)
- [Wyoming Department of Insurance, Consumers](https://doi.wyo.gov/consumers) — consumer help
- [Wyoming Department of Transportation, Titles, Plates and Registration](https://www.dot.state.wy.us/home/titles_plates_registration.html) — registration
- [NAIC, 2022/2023 Auto Insurance Database Report](https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf) — average costs
- [Insurance Information Institute, Facts + Statistics: Uninsured motorists](https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists) — uninsured estimates
- [IIHS, Fatality Facts 2024: State by state](https://www.iihs.org/research-areas/fatality-statistics/detail/state-by-state) — crash death data
- [U.S. Census Bureau, state population estimates](https://www.census.gov/data/datasets/time-series/demo/popest/2020s-state-total.html) — population
- [Insurance Information Institute, Background on: Compulsory auto/uninsured motorists (financial responsibility limits by state table)](https://www.iii.org/article/background-on-compulsory-auto-uninsured-motorists), as of October 28, 2026
- [Insurance Information Institute, Background on: No-fault auto insurance](https://www.iii.org/article/background-on-no-fault-auto-insurance), as of October 28, 2026
- [NAIC, 2022/2023 Auto Insurance Database Report](https://content.naic.org/article/naic-releases-20222023-auto-insurance-database-report), as of February 13, 2026
- [Montana Commissioner of Securities and Insurance, Auto insurance](https://csimt.gov/insurance/auto/), as of December 10, 2025
- [Insurance Research Council, Uninsured and Underinsured Motorists: 2017–2023 (press release)](https://www.businesswire.com/news/home/20250220231032/en), as of February 20, 2025