Wyoming car insurance: minimums, SR-22 rules and costs
Last updated: November 12, 2026
Wyoming drivers must carry at least $25,000/$50,000 of bodily injury liability and $20,000 of property damage liability. In 2023, insured drivers in Wyoming spent an average of $948.24 on car insurance, 26% below the national average of $1,281.60, according to the National Association of Insurance Commissioners (NAIC). That makes Wyoming the 12th least expensive of the 50 states and D.C. by that measure.
Minimum car insurance required in Wyoming
| Coverage | Minimum |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability, per accident | $20,000 |
You'll often see this written as 25/50/20. The first two numbers are the bodily injury limits in thousands of dollars (per person and per accident), and the last is property damage. Those amounts are the most the policy pays for injuries and damage you cause to others. Anything above them can come back to you personally.
Is Wyoming a no-fault state?
No. Wyoming isn't one of the 12 no-fault states listed by the Insurance Information Institute, so the driver who causes a crash, and their insurer, is generally responsible for the other people's injuries and damage. That's why the liability limits above matter so much.
SR-22 rules in Wyoming
After a crash while uninsured, Wyoming's Department of Transportation sends a notice of uninsured accident suspension. You can prevent it in several ways, such as posting a security deposit that's refundable one year after the crash if there are no judgments against you.
If the suspension takes effect, you'll also need an SR-22 and a $50 reinstatement fee. The SR-22 is required for three years from the start of the suspension, and letting it lapse means another suspension.
Read more: what an SR-22 is and how it works.
What drives car insurance costs in Wyoming
Average spending in Wyoming rose 22% from 2019 to 2023, compared with 19% nationwide. Here's average annual spending per insured vehicle, from the NAIC:
| Year | Wyoming average | U.S. average |
|---|---|---|
| 2019 | $776.95 | $1,075.08 |
| 2020 | $769.22 | $1,047.76 |
| 2021 | $789.58 | $1,060.23 |
| 2022 | $847.99 | $1,124.45 |
| 2023 | $948.24 | $1,281.60 |
The NAIC's "average expenditure" is total written premium divided by insured vehicles. It isn't a quote, and your own price depends on your driver profile and the coverage you choose.
- Uninsured drivers. An estimated 6.7% of drivers in Wyoming were uninsured in 2023, lower than the national estimate of 15.4%. That's the 4th lowest rate among the 50 states and D.C. When more drivers are uninsured, insured drivers' own uninsured motorist coverage pays more claims, which pushes up its price.
- Crash deaths. Wyoming recorded 107 motor vehicle crash deaths in 2024, or 1.10 per 100 million miles driven, lower than the U.S. rate of 1.19 (the 19th lowest of the 50 states and D.C.). Severe crashes drive up bodily injury claim costs.
- Where and how crashes happen. In 2024, 75% of Wyoming's crash deaths happened in rural areas (U.S.: 41%), 39% involved speeding (U.S.: 29%), and 4% of those killed were pedestrians (U.S.: 18%).
Ways to save on car insurance in Wyoming
- Compare at least three quotes. Insurers weigh the same facts differently, so prices for the same driver in Wyoming can vary widely. More ways to lower your bill.
- Check your uninsured motorist limits anyway. Even at 6.7%, uninsured and underinsured drivers are common, and UM coverage is usually inexpensive. How UM coverage works.
- Shop at every renewal. Prices in Wyoming rose faster than the national average from 2019 to 2023, so a renewal increase is a good reason to compare.
- Keep comprehensive if your car is worth it. Most crash deaths in Wyoming happen on rural roads, where animal strikes and long distances are common. Comprehensive covers hitting an animal; collision covers crashes. Comprehensive vs. collision.
- Ask about discounts. Common ones include safe driver, multi-car, bundling, paying in full, good student and usage-based programs. They're not always applied automatically.
See other states in our car insurance guides by state.
Sources
- Insurance Information Institute, Automobile Financial Responsibility Limits and Enforcement by State (as of July 2024)
- NAIC, 2023 Auto Insurance Database Average Premium Supplement (June 2025), Table 4: average expenditure
- Insurance Information Institute, Background on: No-fault auto insurance
- Wyoming DOT, Accident procedures (uninsured accident suspensions)
- Insurance Information Institute / Insurance Research Council, Facts + Statistics: Uninsured motorists (2023 estimates)
- IIHS-HLDI, Fatality Facts 2024: State by state
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