Wyoming Auto Insurance Information
Under Wyoming law, motorists must carry a minimum of $25,000 per person and $50,000 per accident in Bodily Injury
Liability (BIL) insurance, along with at least $20,000 in Property Damage Liability (PDL) coverage. BIL pays for
the medical and other accident-related expenses caused by the at-fault driver, while PDL pays for repairs to the
other driver’s vehicle and other damage. Both cover such expenses up to the limits of the policy. Neither BIL
nor PDL pays for any expenses incurred by the at-fault driver. Keep in mind that these are the minimum amounts
required, and most drivers should purchase additional insurance to protect their personal assets if they are
involved in a serious crash.
While Wyoming does not require drivers to carry uninsured or underinsured motorist coverage, this is wise
coverage to obtain. Accidents with uninsured or underinsured motorists occur relatively often. If you do not
have such insurance, you are responsible for paying for all of your medical expenses and repairs to your
While the state does not require collision and comprehensive insurance, lenders will almost certainly mandate
such coverage for leased and financed vehicles. Even if the car is owned outright, consider purchasing such
coverage if you cannot afford to replace or repair the vehicle if it is seriously damaged in an accident.
SR-22 Insurance in Wyoming
Those caught driving without insurance in Wyoming must have their insurance company file an SR-22 Form, a certificate of financial responsibility,
with the Wyoming Department of Motor Vehicles (DMV) before license reinstatement. Drivers convicted of driving
under the influence and other serious traffic offenses must also file an SR-22 Form with the DMV. Such proof of
financial responsibility is maintained for three years from the date it is required.
Wyoming Driver Statistics
Fewer than 600,000 people call The Equality State home, and approximately 420,000 of them hold drivers’ licenses.
While 10th in size, Wyoming has the least number of residents of any state. The name “Equality State” derives
from Wyoming being the first state allowing women to vote. It joined the Union in 1890 as the 44th state.
Major industries in Wyoming include oil and gas extraction, tourism and cattle ranching. The latter makes up the
vast majority of the state’s agricultural output, and Wyoming is in true cattle and cowboy country. Other
agricultural products include hay, hogs, sheep, sugar beets and wheat.
Famed for its outdoor recreational opportunities, the top attraction in Wyoming is Yellowstone National Park,
drawing millions of visitors annually. Other big attractions — often literally — include Grand Teton National
Park; Hot Springs State Park in Thermopolis, where the buffalo freely roam; the Buffalo Bill Center of West in
Cody, honoring Buffalo Bill Cody; Fort Laramie National Historic Site; Devil’s Tower National Monument and
Bighorn Canyon National Recreation Area.
Wyoming Auto Insurance & Accident Facts
In 2018, 111 people lost their lives on Wyoming roadways in a total of 100 fatal crashes. There were a total of
2,432 crashes involving injuries, and 3,262 people suffered injuries. Those killed include six pedestrians and
15 motorcyclists. Alcohol was involved in 33 fatal crashes and played a role in 697 non-fatal accidents.