Auto Coverage in Wyoming
Wyoming Auto Insurance
Drivers in the state of Wyoming are required to have auto liability insurance and to keep it in the car with them at all times. They can be asked to show proof of insurance coverage any time they are pulled over by a traffic officer, go into the DMV to register a vehicle, or are involved in an accident. Despite these requirements 9% of Wyoming's drivers have no auto insurance coverage.
Minimum Wyoming auto insurance
A certain amount of auto insurance is required for Wyoming drivers, who need to have coverage in the following amounts at minimum:
- Bodily Injury and Death: $25,000 to cover one person in any one accident, and $50,000 to cover all injuries
- Property Damages: $20,000
Wyoming follows a tort system, meaning that in case of an accident, one of the drivers must be found at fault for causing the accident. The at-fault driver will be responsible for paying for all the damages caused by the collision including medical bills for all drivers and their passengers, vehicle repair and other property damages.
In a bad accident, these costs can quickly increase. Usually your insurance will kick in to pay the costs, but if you don't have enough auto coverage, you could end up paying out of pocket. This is why it's important to buy as much insurance as you can afford, to make sure you can meet your financial obligations while driving.
Penalties without Wyoming auto insurance
You can receive a misdemeanor in Wyoming for driving without insurance, face fines from $250-750, and even receive jail time. Second offenses can reach fines up to $1,500 as well as further jail time.
If there is an accident in the state of Wyoming, drivers will be asked to show evidence of their auto insurance coverage at the scene, such as an insurance ID card. The consequences are dire if you don't have coverage – your license can be suspended for up to eight years.