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CarInsuranceCalculator.info's guide to Wyoming

Any auto insurance quote for Wyoming should provide you with the following insurance coverage or financial responsibility in order to meet the state’s minimum requirements:

25/50/20 – This is shorthand for the liability policy limits required which means you need a minimum coverage of:

  • $25,000 for death or injury to one person;
  • $50,000 for death or injury to two or more people; and
  • $20,000 for property damage to others

If you are occasionally driving to or across other states: most auto insurance policies will come with a provision that will adjust your coverage from the minimums required in your state to the minimum insurance or proof of financial responsibility in any other U.S. state. So you do not need to get a new insurance policy for each state you are driving through. However, if you are commuting you might need to adjust the coverage of your policy in order to meet the limits of all relevant states. Please discuss further details with your agent if in doubt.

Likewise, if you buy a policy in a low limits state (like Wyoming or Wisconsin) but live in a high limits state (like Alaska), insurers will only write a policy where your car is principally garaged. So if your home is in Alaska, you should buy the minimum limits for Alaska.

Please consider that Wyoming’s required insurance limits are low (as for virtually all states in the US), when compared to the cost of repair and damages likely to occur in an accident. If you are in a serious collision and the damages you caused are greater than the coverage limits you purchased, you may be personally liable to pay for those damages that exceed your insurance coverage. Buying additional coverage is for most drivers a surprisingly cheap strategy to enhance their financial protection in the case of an accident.

Auto Insurance Regulations and Laws in Wyoming

Wyoming is a modified comparative fault state with a 51% rule. This is a legal defense that means that a plaintiff can recover for an injury, reducing the amount that the plaintiff can recover based on the percentage of which the plaintiff is at fault if it is determined that his or her fault in causing the injury is less than 51%. If the plaintiff’s fault level reaches 51% or more, he or she cannot recover any damages resulting from the accident.

Driving Under the Influence (DUI)

In Wyoming, a first time offense of Driving Under the Influence (DUI) is treated as a misdemeanor offense. If you are 21 years or older, if you have a Blood Alcohol Content (BAC) level of .08% or higher while driving, Wyoming law presumes you are driving while intoxicated. If you are under 21, a lower BAC may apply to you.

1st DUI

If convicted, you may be sentenced up to 6 months in jail. A court fine of at least $750 may be imposed. You will also be responsible for other court fees. Your license will be suspended for 90 days. A substance abuse assessment is required. If your BAC is over .15%, an ignition interlock device will be required. SR-22 or FR-44 forms are required for DUIs in Wyoming.

2nd DUI

If convicted, you may be sentenced for a minimum of 7 days up to 6 months in jail. Fines may be imposed of up to $750. Your license will be suspended for 1 year. You will be required to install an ignition interlock device for 1 year after your license revocation. A substance abuse assessment is required. An ignition interlock device will be required. SR-22 or FR-44 forms are required for DUIs in Wyoming.

Car Insurance in Wyoming

Market Share Source:

NAIC 2009 Market Share Information
Note: List does not contain duplicates of associated or affiliated insurance companies

Wyoming Government Resources

Top Ten Car Insurance Companies in Wyoming

There are different ways to rank auto insurance carriers. Please find below the top ten car insurance companies as rated by 2009 market share in the state:

  1. State Farm Mutual Auto Insurance
  2. Allstate Insurance Group
  3. MetLife Auto & Home
  4. Safco Corporation
  5. State Auto Mutual Group
  6. Geico General Insurance Company
  8. United Services Automobile Association (USAA)
  9. Nationwide Insurance Company
  10. Bituminous Insurance Companies