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Driving in the Equality State

Wyoming has thousands of miles of roadways and amazingly diverse terrain, from mountains to rivers and canyons. The state also has about 400,000 licensed drivers who spend a lot of time on the road. Carrying proper auto insurance is as much common sense as it is a legal requirement. You certainly don’t want be to left unprotected on your next commute to work or visit to Yellowstone.

Insurance rates vary from one company to the next and are based on many personal factors, such as age and accident history. This makes finding the best and cheapest car insurance in Wyoming difficult if you don’t know where to start looking. SmartFinancial’s unbiased comparison tools and expertise help walk you through the complicated process of choosing an insurance carrier and building your policy. And, the best part is, we quickly set you up with quotes to compare for free.

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Wyoming Auto Insurance Rates

By doing your homework, you can save hundreds of dollars every year on your auto coverage while getting a policy tailored to the needs of you, your family, and your lifestyle. To make things easier, here are the top three carriers in Wyoming, based on rankings from J.D. Power (see the full list).

  1. PEMCO Insurance
  2. The Hartford
  3. GEICO

Auto insurance is a major expense, so it makes sense to compare rates for the same coverages at different companies. Let us help you shop around to get the best rates.

Take us for a test drive by clicking on your city below. Or, if you don’t see your hometown there, just click here instead.


Legalities 101

If you ever think auto insurance is unnecessary, just imagine what would happen if you caused an accident that totals your car, the other driver’s car, or causes injuries to you both. You can be held responsible for the costs of fixing or replacing both vehicles, for medical expenses, for legal fees, and even for the pain and suffering of the other driver.

Add up the possibilities in your head, then consider whether your bank balance, savings, or even the sale of your assets can pay for these costs. Unless you’re willing to put everything you have—and everything you may one day earn—on the line, it’s crucial to carry as much auto insurance as you can afford. You never know when an accident may happen.

Wyoming Driving Safety

Motor vehicle accidents may strike at any time, and there’s no real way to avoid them because you can’t control other drivers on the road. Carrying adequate insurance protects you and your family should the worst happen.

In Wyoming, failure to keep in the proper lane and inclement weather are two leading causes of serious traffic accidents, and the state can claim some unfortunate statistics when it comes to drunk driving and speeding, too. Wyoming ranks second highest in the nation for fatal accidents caused by speeding, and third highest when it comes to alcohol-related fatal crashes per capita. These frightening statistics show why auto insurance is so very important in the state.

Wyoming Driving Safety Stats

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Number of reported traffic crashes in 2015

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Number of traffic crash fatalities in 2015
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Number of alcohol-related crashes in 2015

Driving Green

Although Wyoming doesn’t currently offer a lot of incentives for green driving, more opportunities to save will likely develop in the near future as the population and government continues to focus on ways to help the environment. For now, though, Wyoming drivers who choose eco-friendly cars and driving habits can benefit from tax breaks and lower insurance rates.

  • IRS Tax Credits

    Buying a green vehicle may make you eligible for certain federal tax credits. Qualifying vehicles generally include electric, hybrid, plug-in hybrid, diesel, and other alternative fuel vehicles (AFVs). Because federal tax credits may change from year to year, consult your tax preparer or local Taxpayer Assistance Office before purchasing a green vehicle or filing your tax return.

  • Auto Insurance Discounts

    Most car insurance providers offer discounts to customers who practice green driving habits or own eco-friendly vehicles, such as hybrids, electric vehicles, AFVs, or economy cars. Maintaining low mileage is another way to qualify. To find out how you can save, contact your insurer for details. Savings may be as high as 10 to 30% off your premium.

  • Keep Up with Vehicle Maintenance

    Wyoming doesn’t currently require vehicle emissions testing or smog checks, but scheduled maintenance helps keep your vehicle running at peak performance. This isn’t just a good way to go green; it also maximizes fuel efficiency to save you money on gas, and potentially on serious repairs, too. Plus, it helps preserve the resale value of your vehicle.

Car Insurance Laws

Being a Minimalist

Wyoming requires all motorists to carry liability insurance on their vehicles. At a minimum, drivers need $25,000 of bodily injury coverage per person and $50,000 of bodily injury coverage per accident, plus $20,000 of property damage liability to cover damage to another person’s property in the event of an accident where you’re at fault.

Wyoming has a tort system, which means you can be sued for actual damages and economic losses, as well as for emotional and physical pain and suffering, if you’re found to be at fault in a crash.

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$ 25,000
Bodily injury coverage per person

Maximum payment for serious or permanent injury or death to a single person

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$ 50,000
Bodily injury coverage per accident

Coverage for multiple people injured in a single accident

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$ 20,000
Property damage per accident

Maximum payment for all damaged property in an accident caused by you

Maximizing Your Return on Investment

Liability insurance is mandatory in Wyoming and in most other states. This type of insurance helps protect other people and their property from damages you may cause. Conversely, other drivers’ coverage protects you.

Some types of insurance are optional, and are designed to offer you additional peace of mind and protection for your property. Lenders generally require collision and comprehensive coverage to safeguard their interest in your vehicle. Before taking out a new policy, find out what requirements your lender has.

Optional coverage in Wyoming

  • Collision
  • Comprehensive
  • Uninsured motorist coverage
  • Roadside Emergencies
  • Speeding Tickets
  • Car Break Ins
  • Rideshare Coverage
  • Glass Repair Services
  • Accident Forgiveness
  • Custom Equipment
  • Rental Reimbursement
  • New Car Replacement
  • Travel Expenses
  • Accidental Death
  • Auto Disability
  • Gap Coverage
  • Medical Payments
  • Loss of Use

Some exclusions may apply.

A basic insurance policy covers you from having to pay out of pocket for damage you cause. If you want personalized coverage, carriers offer a variety of optional coverages. These may increase your premium, but the additional peace of mind that comes with a customized policy is priceless.

Find practical advice for offsetting the cost of optional coverages in our article 12 Things You can Do to Lower Your Auto Insurance Premium.

Wyoming car insurance companies

PEMCO Insurance
The Hartford
State Farm
American Family
Liberty Mutual

*This list of car insurance carriers is based on the ratings for the Northwest region in the J.D. Power 2016 U.S. Auto Insurance Study. Ratings are derived from five key service areas: claims, price, interaction, policy offerings, and billing. USAA is a military-only option and is therefore not including in the above rankings.

Car Safety for Wyoming Kids

Wyoming Car Seat Regulations

Seat belts save lives, but too often, young children are not restrained properly or at all when riding in cars. In 2015, more than one-third of children 12 and younger who died in a crash were not buckled up, according to the CDC. Some of these children would be alive today if they were fastened properly in a Federally approved car seat.

In Wyoming, children must ride in a car seat until they reach the age of 9 years, and all child safety seats must be properly installed and conform to Federal Motor Vehicle Safety Standard 213 for child restraint systems. Children should be secured in the back seat unless no back seat exists or the back seat is in use by other child passengers.

It is always safest for infants to ride in a rear-facing seat as long as possible, or until they reach a minimum of 12 months of age and 20 pounds, before moving to a forward-facing car seat. Booster seats are generally acceptable for children once they reach 4 years of age, but height and weight are better guidelines to follow when it comes to choosing a child restraint seat.

Failure to follow car seat rules in Wyoming will result in a fine of $60 for a first offense and a maximum fine of $110 for second and subsequent offenses. Failure to restrain is a primary offense in the state, which means law enforcement are allowed to pull over your vehicle without another cause if they suspect your child passengers are not properly secured.

Leaving Children Unattended in a Vehicle

Leaving a child unattended in a vehicle for even a few minutes can be dangerous, and because of this, adults caught leaving minors unattended in Wyoming may be charged with child neglect or child endangerment, at the discretion of law enforcement officials.

Even in warm or mild weather and with a window cracked, the temperature inside a parked car can rise to a fatal level within minutes. Plus, unattended children are at risk of accidental injury and kidnapping. If you spot a young children left unattended in a vehicle and you believe that child is in danger, you’re encouraged to call 9-1-1.

Car Insurance FAQ

Is my credit score a factor when obtaining car insurance in Wyoming?

Yes. Wyoming allows auto insurers to consider your credit history when determining your premium. Customers with poor credit are believed to be more likely to file a claim, and insurers typically charge these customers more as a result.

Does Wyoming offer a good-driver discount?

Driving safely and remaining free of accidents and moving violations can result in a big discount on your auto insurance. Most carriers offer significant savings to good drivers, but this is something to research before taking out a policy. To save even more, ask about other potential discounts while you’re talking to your agent, such as:

  • Vehicle Safety
  • Utility Discount
  • Resident Student
  • Passive Restraint
  • New Car
  • Multiple Policy
  • Multiple Car
  • Home Ownership
  • Good Student
  • Full Pay
  • Anti-Theft Device
  • Anti-Lock Brake
  • Accident Free

Does Wyoming allow the use of digital insurance cards?

Wyoming no longer requires drivers to carry paper or plastic insurance cards in their vehicles. Motorists in the state are permitted to display their insurance information using their smartphone, tablet, laptop, or other mobile device.

What happens if my coverage lapses?

Maintaining auto insurance coverage in Wyoming is mandatory, and vehicle owners caught without insurance—whether driving or not—face severe penalties. A lapse in insurance coverage, regardless of cause, is a misdemeanor that carries fines up to $750 for a first offense and up to $1,500 for a second offense, plus suspension of your driver’s license and vehicle registration. Additionally, driving without insurance may result in a jail sentence of up to 6 months.

What are Wyoming's blood alcohol concentration (BAC) percentage limits under the state's driving under the influence (DUI) laws?

It’s against the law to drive in Wyoming at the following BAC percentages:s:

.08%+ at 21 years old or older
.04%+ for commercial vehicle drivers
.02%+ at under 21 years old

It isn’t necessary for a person to have a BAC of 0.08% to be arrested for DUI in the state of Wyoming. Also, you can be convicted of driving under the influence with a BAC below the legal limit of 0.08% if you’re displaying signs consistent with impairment of drugs or alcohol.

What are the chemical test refusal penalties in Wyoming?

As a licensed Wyoming driver, you’ve given your consent to be tested for drugs and alcohol upon suspicion of driving under the influence. Failure to submit to a blood, breath, or urine test can result in suspension of your driver’s license and other penalties.

What are the consequences of being convicted of a DUI?

Wyoming motorists who drive under the influence face harsh penalties. First-time DUI convictions are misdemeanors and may result in fines of up to $750, court costs, jail time, license suspension for 90 days, and 6 months use of an ignition interlock device for those with a BAC higher than 0.15%.

Second and subsequent offenses may result in greater fines and jail time. Those convicted of multiple DUIs will also be required to attend a substance abuse program.

Does Wyoming offer driver improvement courses to reduce my insurance premium?

Most people think of driver improvement courses as a way to dismiss traffic ticket points, but most courses are available voluntarily, too. If you take a defensive driving class or other driver improvement course in Wyoming, you may be eligible for discounts on your car insurance premium. Ask your insurer if this is available, and what courses they accept.

Is there any way I can reduce the cost of my Wyoming car insurance?

There are many ways to reduce the cost of your automobile insurance in Wyoming. The easiest thing you can do is to ask your agent or carrier about discounts for good driving, automatic payments, eco-friendly vehicles, anti-theft devices, and more. You won’t know what discounts are offered or what you may qualify for until you ask. You can also lower the cost of your premiums by taking a higher deductible, eliminating unnecessary coverage, maintaining a good credit score, and by shopping around and comparing quotes.

What is uninsured motorist coverage and is it required in Wyoming?

Wyoming residents are not required to carry uninsured motorist coverage, provided they reject this coverage in writing. Uninsured motorist coverage is designed to cover your losses should you be involved in an accident with a driver who doesn’t have insurance or who flees the scene of the accident.

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