Wyoming Mandatory Auto Insurance 

Wyoming’s mandatory auto liability insurance law requires that anyone driving a motor vehicle must satisfy the state’s financial responsibility limits of 25/50/20.

Under the financial responsibility law, a liability policy means an owner’s or an operator’s policy of liability insurance, certified as proof of financial responsibility, and issued by an insurance carrier authorized to transact business in this state, to or for the benefit of the person named as insured.

An owner’s policy of liability insurance must:

1. Designate by explicit description or by appropriate reference all motor vehicles with respect to which coverage is to be granted; and

2. Insure the person named and any other person, as insured, using any covered motor vehicle with the express or implied permission of the named insured against loss from the liability imposed by law for damages arising out of the ownership, maintenance or use of the motor vehicle within the United States of America or the Dominion of Canada, subject to limits exclusive of interest and costs with respect to each motor vehicle, as follows: Twenty-five thousand dollars ($25,000) because of bodily injury to or death of one (1) person in any one (1) accident and, subject to the limit for one (1) person, fifty thousand dollars ($50,000) because of bodily injury to or death of two (2) or more persons in any one (1) accident and twenty thousand dollars ($20,000) because of injury to or destruction of property of others in any one (1) accident.

An operator’s policy of liability insurance must insure the person named as insured against loss from the liability imposed upon him by law for damages arising out of the use by him of any motor vehicle not owned by him, within the same territorial limits and subject to the same limits of liability required for an owner’s policy.

Other types of proof of financial responsibility may be given by filing:

1. A certificate of insurance.

2. A bond.

3. A Certificate of Deposit of money or securities in the amount of $25,000, deposited with the State Treasurer.

Bodily Injury Liability. As the term liability implies, this is an at-fault coverage. Under Wyoming car insurance law, you can be sued if you cause injury or loss to another. Under your liability coverage, your company will pay not only the cost of these claims up to the policy limits, but also any legal costs the company incurs in defending you. All Wyoming motorists must carry minimum limits of $25,000/$50,000 for bodily injury liability. These limits mean the company will pay up to $25,000 for one person and up to $50,000 for all persons injured in an accident. For those who need greater financial protection, higher coverage limits can be purchased at an additional cost.

Property Damage Liability. Under your property damage liability coverage, your company will pay up to the policy limits for damage you do to the property of another when you are at fault. You must purchase at least $20,000 of property damage liability coverage. This is another at-fault coverage and covers only the property of others and not your own. Higher limits may be purchased at a small additional cost.

Uninsured Motorist Coverage. Uninsured motorist coverage will be included in an automobile liability policy delivered in Wyoming unless you reject the coverage in writing. This is done at the time you make application for a policy. The minimum uninsured motorist coverage is $25,000 for bodily injury coverage per person and $50,000 per accident. Under this coverage, protection is afforded to you, family members, or guest passengers for injuries caused by a hit and run driver or a driver who does not have auto insurance. This coverage takes the place of the bodily injury insurance that the other driver should have purchased. It protects you by making sure that money is available to pay for your losses that are caused by someone else. Uninsured motorist coverage does not cover your property damage and does not protect the other driver.

Medical Expense Coverage. This coverage pays medical or funeral expenses for you or others injured or killed in an accident while riding or driving in your auto. This includes all necessary and reasonable hospital, surgical, chiropractic, x-ray, dental, professional nursing, prosthetic, and rehabilitation expenses up to the limits of the coverage. It will also cover you or members of your family if you are struck by an auto while walking or while riding in another auto. Usually, only expenses incurred within one or three years (check your policy) after the accident are included. As an example, this coverage will provide benefits for a friend, or a neighbor’s child injured in your car. Medical expense coverage is an optional coverage. Remember, medical payments coverage is extended to injured persons without regard to fault.

Wyoming law allows a law enforcement officer the right to request proof of insurance at any time. You do not have to be involved in an accident before you may be requested to provide proof of insurance. If the operator cannot show written proof of financial responsibility, the driver shall have seven (7) days to produce such proof. Any person who is convicted of violating this mandate may be fined not more than seven hundred fifty dollars ($750), imprisoned for not more than six (6) months, or both. No motor vehicle shall be registered unless the applicant verifies the motor vehicle is covered by a motor vehicle liability policy in full force and effect in the amounts of 25/50/20 or a bond on file with the Department of Transportation in amounts provided by Wyoming Statute.