Before you consider driving without insurance in Wyoming, make sure you’re aware of the potential consequences. Although driving uninsured may seem like an easy way to save money, the penalties for getting caught could far outweigh any savings, especially if you are involved in an accident. Operating a vehicle without insurance in Wyoming may result in fines, license suspension and possible imprisonment, in addition to the financial burden of covering any damages you cause while driving.

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How much insurance is required in Wyoming?

Auto liability insurance in Wyoming may provide vital financial protection if you are involved in an accident. As a result, Wyoming, like most other states, requires that resident drivers maintain these minimum limits of auto liability coverage:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $20,000 property damage liability per accident

Uninsured motorist coverage must be offered but can be declined in writing.

A surety bond or $25,000 deposit with the state treasury will also satisfy the financial responsibility law.

Note that though these limits will bring you into compliance with Wyoming law, these amounts may end up being inadequate to protect you financially in the event that you are deemed at fault in a serious accident. Insurance experts recommend carrying more than the legally required minimums to make sure that you are able to cover any damages you may be responsible for — as opposed to having to pay for them out of pocket.

Penalties for driving without insurance in Wyoming

There are a series of penalties you may face if you are caught driving without insurance in Wyoming. These penalties may include fines, license suspension, insurance verification requirements and incarceration.

For a first driving without insurance offense, you may be fined between $250 and $750. This fine will be increased for subsequent offenses to an amount somewhere between $500 and $1,500, depending upon the specific circumstances of the violation. If you cannot submit proof of insurance within seven days of being cited for driving without insurance, then you may have your license suspended. You’ll likely also have to obtain an SR-22 certificate from your insurance company that verifies you carry the minimum required level of coverage.

While a less common penalty, it is possible to be incarcerated for driving without insurance in Wyoming. Wyoming courts have the discretion to determine whether jail time is appropriate on top of the other fines and penalties.

Getting into an accident without insurance in Wyoming

If you are involved in an accident in Wyoming without auto insurance, regardless of fault, you may be cited for that violation and the penalties described above will be leveled.

While certain states have no-fault laws, Wyoming is not a no-fault state; it is an at-fault state. This means the driver who causes an accident is required to utilize their insurance to pay the bills arising from the other driver’s injuries or property damage caused by the accident. This is not the case in a no-fault state, where your own car insurance company may pay for your medical bills and possibly lost wages following an accident, no matter who was at fault.

Additionally, if you are in an accident and uninsured in Wyoming, you could be personally responsible for all the costs associated with injury to another driver and his vehicle if you are determined to be at fault.

It’s worth noting that Wyoming operates on a modified “comparative negligence” rule that allows you to recover damages from an accident as long as you are determined to be 50 percent or less responsible for the incident. Typically, the amount of damages that can be recovered from the other liable parties involved will be proportionate to the degree of fault. So if you are deemed to be 25 percent at fault, you may be able to receive 75 percent of damages. However, if you are found to be 51 percent or more at fault for the accident, you are barred from receiving any damages.

Frequently asked questions

    • The average annual premium for full coverage car insurance in Wyoming is $1,582, while minimum coverage averages $270. This is less than the national average of $2,542 for full coverage and $740 for minimum coverage. The premium that you will pay will differ from these figures based on the rating factors used to establish your premiums. Exact rates will depend on personalized variables like your age, driving record, vehicle type, location and more.
    • No, Wyoming is not a no-fault state. This means that drivers who cause accidents in the state are responsible for paying for the other driver’s injuries and property damage caused by the accident. In accidents where both drivers share some degree of fault, both drivers may be able to pursue compensation from the other driver’s insurance company.
    • Drivers convicted of driving without insurance may be required to obtain SR-22 insurance in Wyoming. SR-22 insurance isn’t actually a type of insurance. Instead, this is a form that serves as added proof of insurance for drivers that have faced legal difficulties relating to driving or auto insurance. This form serves to prove to the court that a driver is now maintaining the legal auto insurance requirements. Not all insurance carriers provide SR-22 filing, so if you are required to purchase SR-22 insurance, you may need to switch carriers.
    • The cheapest car insurance in Wyoming for one person may not be the cheapest for another. Because insurers determine premiums based on personalized variables, two drivers may face significantly different rates from the same company. For this reason, experts recommend shopping around between several auto insurance companies and obtaining free quotes from each of them. This is likely the best way to see which company could offer you the lowest rates for the coverage you need. Comparing quotes also allows you to compare discount options, like bundling, to see how they could help you save.