The Complete Guide to Wyoming Car Insurance
Lemonade is on the way to the Equality State and we’ll let you know as soon as we arrive! In the meantime, we’ll help you navigate all things WY car insurance like rates, requirements, and throw in smart shopping tips.
How much does car insurance cost in Wyoming?
Car insurance in Wyoming averages $131/month for full coverage, but your actual rate depends on where you live, what you drive, and your driving record.
Here’s what drivers pay in major cities:
| City | Average cost of car insurance |
|---|---|
| Cheyenne | $127 |
| Casper | $131 |
| Gillette | $132 |
| Laramie | $129 |
| Rock Springs | $131 |
Source: ValuePenguin
Why is car insurance so low in Wyoming?
Wyoming drivers face unique risks that drive insurance costs
Uninsured drivers
5.8% of drivers in Wyoming are uninsured vs. 13% nationally, lowering costs for everyone else.
Car theft
FBI data shows there were 592 reported motor vehicle thefts in 2024 in WY, down 19% from the previous year.
Natural disasters
WY has a very low FEMA disaster rating of 14, lowering comprehensive coverage costs, though wildfire and winter weather are still threats.
What car insurance do I need in Wyoming?
All Wyoming drivers must carry minimum insurance coverage to legally drive.
Here’s what the state requires:
| Required minimum coverages for Wyoming drivers | Minimum amount required | What’s covered | What’s not covered |
|---|---|---|---|
| Bodily injury liability | $25,000 (per person) $50,000 (per accident) | Medical bills, lost wages, and other costs when you hurt someone else in an accident | Your own injuries, damage to your car, amounts above your policy limits |
| Property damage liability | $20,000 | Damage you cause to other people’s cars, fences, buildings, and property | Damage to your own car, your own property, amounts above your policy limits |
What additional car insurance coverages are offered in Wyoming?
Beyond state minimums, these optional coverages provide
extra protection for Wyoming drivers
Collision coverage
Pays to repair or replace your car if it's damaged in an accident with another vehicle or object like a fence or guardrail.
Read moreComprehensive coverage
Covers damage to your car from non-collision events like theft, vandalism, hail storms, flooding, or hitting an animal.
Read moreRental car reimbursement
Pays to cover alternative transportation while your car's being repaird. Specific coverage varies by insurer
Read moreWhat does (and doesn’t) car insurance cover in Wyoming?
Car insurance protects you financially in many situations, but it does not cover everything.
- Vandalism
- Fire damage
- Weather damage
- Theft
- Injuries to other people
- Damage to property
- Damage from a collision
- Fender benders
- Rental car reimbursement
- Towing
- Roadside assistance
- Windshield damage
Your insurance won’t cover oil changes, engine problems, stolen personal items like your purse, or damage from ranch trail adventures
How much car insurance do I need in Wyoming?
You need enough coverage to protect yourself financially when accidents happen. If your car needed major repairs, could you afford these local Wyoming labor rates? Keep in mind, parts and materials cost extra.
| City | Body repair | Frame repair | Mechanical repair | Paint repair |
|---|---|---|---|---|
| Douglas | $88 | $151 | $156 | $88 |
| Carpenter | $88 | $151 | $165 | $88 |
| Buford | $92 | $151 | $165 | $92 |
| Elk Mountain | $92 | $151 | $165 | $92 |
| Laramie | $92 | $151 | $165 | $92 |
Source: Caliber
What happens if I drive without insurance in Wyoming?
Wyoming takes uninsured driving seriously, and the penalties add up fast.
Fines
$500-$1,500 first offense. Repeat offense amounts not specified in database.
Suspension
License suspended until insurance proof provided, must surrender registration and plates for repeat offenses.
Jail time
Up to six months in jail for first offense.
What do you need to get a car insurance quote in Wyoming?
You’ll need some basic information like your driver’s license number and your car’s VIN, but with the right details handy, getting quotes is quicker than your morning coffee run. Here’s your checklist:
Your Details
- Driver's license number
- Social Security number (for credit check)
Your Car
- VIN number (found on your dashboard or door frame)
- Current registration or title
Your History
- Any accidents or tickets from the past 5 years
- Current insurance company and policy number (if you have coverage)
Your Preferences
- How much coverage you want
- Deductible amount you're comfortable with
- Monthly budget range
How does car insurance work in Wyoming?
Think of car insurance as a financial safety net for when things go wrong on the road.
Pick your protection
Shop around and choose coverage that fits your budget.
Make payments
Keep up with monthly payments and you’re covered.
When S%!t happens
File a claim, pay your deductible, and your insurer covers the rest up to your limits.
Wyoming car insurance FAQs
Is Wyoming a no-fault state?
No, Wyoming isn’t a no-fault state. Wyoming follows at-fault insurance — the driver who causes the accident is responsible for damages. PIP coverage isn’t required.
Do I need insurance to register a car in Wyoming?
Yes, Wyoming requires insurance to register a vehicle. You must carry minimum liability coverage. Proof of insurance may be required during registration, and coverage must stay active while your vehicle is registered.
What are the top risks for driving in Wyoming?
Wyoming faces extreme weather conditions including high winds and severe winter storms. Wildlife is abundant on highways throughout the state, while remote road locations mean emergency assistance may be hours away. The state’s challenging conditions require constant driver attention.
How long do I have to report an accident in Wyoming?
Wyoming requires accidents involving injury, death, or property damage of $1,000 or more to be reported immediately to law enforcement. If police don’t investigate, you must file a report within 10 days. Reporting is required to avoid penalties.
What are the top safety tips for driving in Wyoming?
In Wyoming, slow down during high winds and winter storms. Watch for wildlife constantly on open highways. Be ready for long stretches between towns. Pack emergency supplies when you’re traveling in remote areas.
All coverage is subject to individual policy limits, terms, and conditions. Any hypothetical examples used in Lemonade editorial content are purely expositional.
*Uninusured driver rate sourced from ValuePenguin: https://www.valuepenguin.com/auto-insurance/uninsured-motorist-statistics sourced February, 2026
**Theft rate sourced from the FBI’s crime data explorer: https://cde.ucr.cjis.gov/LATEST/webapp/#/pages/explorer/crime/query sourced February, 2026
***Disaster risk rating sourced from FEMA’s Disaster Resilience Hub: https://resilience-fema.hub.arcgis.com/datasets/national-risk-index-states-expected-annual-loss/explore sourced February, 2026
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