Minimum car insurance in Wyoming.
What Wyoming requires, in plain words, and why the minimum may not be enough.
The minimum limits
In Wyoming, the minimum liability limits are written 25/50/20 (in thousands): $25,000 for injury to one person, $50,000 for injury to everyone in one accident, and $20,000 for property damage.
How the system works
Wyoming is generally an at-fault (tort) state, so the driver who causes a crash is responsible for the other party’s losses. That is why liability limits matter so much.
Tort (at-fault) state. No other coverage required.
What the minimum means in practice
Say a crash you cause injures three people. The Wyoming minimum pays at most $25,000 to any one of them and $50,000 in total, shared between all three. Any medical bills above that could become your responsibility. Property damage stops at $20,000.
If you drive without insurance in Wyoming
Someone in an accident causing over $1,000 in property damage or injury to a person outside their household who cannot show verifiable coverage has driving privileges suspended regardless of fault or residency. After a suspension takes effect, an SR22 and a $50 reinstatement fee are required.
Proof of insurance
WYDOT runs an online insurance verification system under Wyoming Statute 31-4-103(e), and electronic verification is accepted as proof of insurance for personal-lines policies.
SR-22 and similar filings
Wyoming requires an SR22, an insurer-issued form typically sent electronically within 24 to 72 hours of purchase, once a suspension takes effect.
Also worth knowing in Wyoming
A driver who moves out of state can file a nonresident proof of financial responsibility form to release the SR22 requirement, though the reinstatement fee may still be owed.
Sources we checked (October 2026)
Requirements change. We checked the pages below. Confirm with your state insurance department or an agent.
Questions
Is Wyoming a no-fault state?
Wyoming is generally an at-fault state.