Wyoming Car Insurance
Wyoming drivers must carry 25/50/20 liability under the Wyoming Motor Vehicle Safety-Responsibility Act (Wyo. Stat. § 31-9-405)1. UM and UIM are a must-offer at the compulsory liability limits under Wyo. Stat. § 31-10-1012. Wyoming is a traditional tort state and does not require PIP4.
YesWeSure Bottom Line
Traditional tort state. Wyoming does not require PIP. First-party medical bills typically flow through health insurance or optional MedPay; tort recovery against the at-fault driver remains the primary mechanism4.
UM/UIM default is on. Every Wyoming personal auto policy includes UM and UIM unless the named insured rejects the coverage in writing2.
How to make a real decision. Treat 25/50/20 as a floor, not a target. For how to think about higher limits, see how to choose coverage limits.
State requirements at a glance
What Wyoming car insurance law requires
Minimum liability limits
25 / 50 / 201
$25,000 bodily injury per person, $50,000 per accident, $20,000 property damage per accident, under the Wyoming Motor Vehicle Safety-Responsibility Act (Wyo. Stat. § 31-9-405).
Personal Injury Protection (PIP)
Not required4
Wyoming is a traditional tort state. No PIP is required on personal auto. Medical Payments coverage is an optional first-party add-on insurers typically offer.
Uninsured / Underinsured Motorist
Must offer; 25 / 50 BI if purchased2
Wyo. Stat. § 31-10-101 requires every Wyoming personal auto policy to include UM and UIM at not less than the compulsory liability limits unless the named insured rejects it in writing.
Coverage verification
Wyoming DOT insurance verification3
The Wyoming Department of Transportation administers insurance verification. Confirmed lapse under Wyo. Stat. § 31-9-408 can trigger driver license and registration suspension plus SR-22 filing requirements.
Rate approval regime
Wyoming DOI oversight4
Wyoming does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age as personal-auto rating factors.
25/50/20 compulsory liability
The Wyoming Motor Vehicle Safety-Responsibility Act (Wyo. Stat. § 31-9-405) compels every registered Wyoming vehicle to carry 25/50/20 liability1. Many Wyoming drivers carry higher limits.
PIP: not required in Wyoming
Wyoming does not require Personal Injury Protection. Medical Payments coverage is an optional first-party add-on that insurers typically offer. For how MedPay compares to PIP in states that require it, see our medical payments coverage guide.
UM/UIM must-offer under Wyo. Stat. § 31-10-101
Every Wyoming personal auto policy must include UM and UIM at the compulsory liability limits unless the named insured rejects the coverage in writing2.
WYDOT verification and lapse enforcement
The Wyoming Department of Transportation administers insurance verification5. A confirmed lapse under Wyo. Stat. § 31-9-408 can trigger driver license and registration suspension plus SR-22 filing requirements3. For a general lapse treatment, see our after-a-lapse guide.
Rating-factor landscape
Wyoming does not maintain a headline statewide prohibition on credit-based insurance scoring, gender, or age4.
Where the Wyoming situation rules live on YesWeSure
This State Guide owns the Wyoming pricing and legal framework. Situation-specific mechanics live on the sibling Situation guides:
- After an accident. See our after-an-accident guide.
- After a DUI. Wyoming SR-22 and reinstatement mechanics are treated in our after-a-DUI guide.
- After a lapse. WYDOT consequences of a lapse are treated in our after-a-lapse guide.
- Moving into Wyoming. New-resident registration is treated in our moving-to-another-state guide.
What we verified for this page
- Strong25/50/20 minimum liability under Wyo. Stat. § 31-9-405 verified against the statute.
- StrongWyoming is a traditional tort state (no PIP) verified against the Wyoming DOI consumer guide. Consistent with the frozen YesWeSure medical-payments guide; no conflict.
- StrongUM/UIM must-offer at compulsory liability limits under Wyo. Stat. § 31-10-101 verified against the statute.
- StrongWYDOT insurance verification under Wyo. Stat. § 31-9-408 verified against the statute.
- LimitedDeliberately omitted from V1. A Wyoming modeled cost anchor; carrier-specific WY underwriting; the exact SR-22 duration (deferred to the after-a-DUI guide); and telematics program detail.
- LimitedNamed author and expert reviewer. V1 attributes to "YesWeSure Editorial." A Wyoming-licensed reviewer is tracked as a pre-launch YMYL item.
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Common questions
What is the minimum car insurance required in Wyoming?
25/50/20 liability under Wyo. Stat. § 31-9-4051. UM/UIM is a must-offer at the compulsory liability limits and ships on the policy unless rejected in writing2.
Is Wyoming a no-fault state?
No. Wyoming is a traditional tort state and does not require PIP4.
Is UM/UIM required in Wyoming?
UM and UIM are must-offer. Every Wyoming personal auto policy includes UM/UIM at the compulsory liability limits unless the named insured rejects the coverage in writing under Wyo. Stat. § 31-10-1012.
Sources & methodology
- Wyo. Stat. § 31-9-405: Wyoming Motor Vehicle Safety-Responsibility Act; 25/50/20 compulsory liability. (Wyoming Legislature, TIER 1)
- Wyo. Stat. § 31-10-101: Uninsured and Underinsured Motorist must-offer at compulsory liability limits; written rejection required. (Wyoming Legislature, TIER 1)
- Wyo. Stat. § 31-9-408: compulsory motor vehicle insurance; penalties and license/registration suspension for operation without insurance. (Wyoming Legislature, TIER 1)
- Wyoming Department of Insurance: Automobile Insurance consumer page. (Wyoming Department of Insurance, TIER 1)
- Wyoming Department of Transportation: Insurance Requirements consumer page. (Wyoming Department of Transportation, TIER 1)
- YesWeSure: Car insurance after an accident (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a DUI (YesWeSure, INTERNAL)
- YesWeSure: Car insurance after a lapse in coverage (YesWeSure, INTERNAL)
- YesWeSure: Car insurance when moving to another state (YesWeSure, INTERNAL)
- YesWeSure: What is medical payments coverage? (YesWeSure, INTERNAL)
- YesWeSure: How to choose coverage limits (YesWeSure, INTERNAL)
- YesWeSure: How insurers calculate rates (YesWeSure, INTERNAL)
Evidence hierarchy on this page: Tier 1 (Wyoming Statutes, Wyoming Department of Insurance, Wyoming Department of Transportation). Every legal number traces to a Wyoming primary source: Wyo. Stat. §§ 31-9-405, 31-9-408, 31-10-101. This page is informational and does not constitute legal, tax, or insurance advice. Last reviewed .