Wyoming Auto Insurance

Wyoming follows a Tort insurance system. If you are at fault in an accident, you and your insurance company have to cover all damages and pay for everybody’s medical expenses.

Minimum Liability Requirements in Wyoming

As of April 2026, Wyoming requires drivers to carry minimum liability coverage of 25/50/20 — at least $25,000 in bodily injury liability per injured person, up to $50,000 per accident, and $20,000 in property damage liability.

Source: CarInsurance.com, "US State Minimum Liability Car Insurance Requirements," updated April 15, 2026.

Average Car Insurance Premiums in Wyoming

Drivers in Wyoming pay an average of $1,615 a year for full-coverage car insurance — 45% below the national average of $2,922 a year.

Source: Experian, "Car Insurance Average Costs by State," published September 9, 2026.

About driving and using a cellphone

The state of Wyoming has taken stance against texting while driving — all text-based communication is forbidden while you are operating a vehicle. No further restrictions are in place.

Teenage driving regulations

Wyoming uses a Graduated Driver Licensing system, a concept meant to help teenage drivers gain hands-on experience with driving on public roads, while still keeping them safe from stressful and high-risk situations. Teenagers may join the GDL program once they are at least 15 and, by the time they get their unrestricted license, are subject to certain restrictions:

• they must be accompanied by a licensed driver of at least 18 years old at all times; the supervisor must be seated in the passenger’s seat;
• they may only drive at night (between 11 pm and 5 am) if they are on their way to/from school, work or some religious event;
• all passengers must wear seatbelts at all times;

Penalties for driving uninsured in Wyoming

A vehicle cannot be registered in Wyoming without showing proof of insurance. If you cancel it afterwards or let it lapse and are caught in traffic, you face a fine between $250 and $750. Upon a second offense, you will be fined between $500 and $1,500 and possibly also be sent to prison for up to 30 days.

AutoInsuranceQuery editorial team. Last reviewed: September 16, 2026.