Affordable Wyoming car insurance that puts you first
Root rewards Wyoming drivers with lower rates, makes managing insurance simple, and gives you flexibility to choose auto insurance coverage that fits your needs.
Better auto insurance rates
Drivers who switch can save up to $1,300 a year on car insurance with Root. Get your personalized Wyoming auto insurance quote. It’s easy to see if you could save.
Customizable coverage options
Choose the coverage options and limits that work for you, your car, and your budget. Available coverages vary by state, and you can adjust your policy as your needs change.
Manage your policy in the app
Access your Wyoming auto insurance policy, view your insurance cards, and file a claim in as little as 3 minutes right from Root’s convenient mobile app.
Driving in the Cowboy State
Wyoming gives drivers plenty of space between destinations. Cheyenne and Casper are only the beginning when Laramie, Jackson, Cody, and communities across the state are separated by miles of high plains and mountain roads.
Across southern Wyoming: I-80 runs through Cheyenne, Laramie, and Rock Springs, crossing long stretches of high-elevation terrain.
Where the road gets wild: Yellowstone, Grand Teton, Jackson Hole, and routes toward Cody bring mountain roads, wildlife, and seasonal conditions into the drive.
Plan for the open road: WYDOT provides highway and travel information, while WYDOT Driver Services handles driver licensing resources.
From Cheyenne to Casper and beyond: Explore Wyoming car insurance from Root.
Wyoming's minimum auto insurance requirements
To legally operate a vehicle in Wyoming, you must carry Liability insurance for both bodily injury and property damage.
The minimum coverage amounts for liability car insurance required for drivers in Wyoming are [1]:
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$20,000 per accident
Types of Wyoming auto insurance we offer
Explore our Wyoming car insurance coverage options available below. You can update your policy anytime in the Root app.
Liability coverage
Liability coverage pays for another person’s injuries or property damage when you’re responsible for an accident.
Collision coverage
Get your car repaired or replaced after a collision with another vehicle or object regardless of who was at fault. Add optional rental coverage.
Comprehensive coverage
Protect your car from damage beyond collisions, including theft, vandalism, severe weather, fire, and falling objects.
MedPay coverage
MedPay insurance helps cover eligible medical expenses like hospital or ambulance bills if you or your passengers are injured in an accident.
Uninsured motorist coverage
Stay protected if you’re in an accident with a driver who doesn’t have insurance or enough coverage to pay for eligible injuries or damages.
Roadside assistance coverage
Roadside assistance gets you back on the road when you're stranded, with services like towing, jump-starts, and tire changes.
What is the average cost of car insurance in Wyoming?
The average Wyoming driver pays $2,061 per year for full coverage car insurance [2].
Root customers looking to purchase Wyoming car insurance could save up to $1,300 a year.
Get a quote in under 5 minutes.
Wyoming Auto Insurance FAQs
What is the minimum car insurance required in Wyoming?
To legally operate a vehicle in Wyoming, you must carry liability insurance.
To avoid serious expenses in the event of a major accident, you should consider coverage that protects:
You and your passengers (MedPay coverage)
Your vehicle (collision and comprehensive)
However, liability insurance is the only coverage you are legally required to select when purchasing auto insurance in Wyoming.
Is it legal to drive without insurance in Wyoming?
No, you cannot legally drive without auto insurance in Wyoming. State law requires every driver and vehicle owner to maintain continuous liability insurance and carry proof of it inside the vehicle. If you’re found driving without insurance, your driver’s license or vehicle registration could be suspended.
Do you need insurance to register a vehicle in Wyoming?
Yes. Wyoming requires vehicles to be insured in order to be registered, and you’ll need to keep that coverage in place for as long as the vehicle is registered. Letting your insurance lapse on a registered vehicle can lead to penalties, including suspension of your registration.
How do I lower my car insurance rate in Wyoming?
The easiest ways to save on your Wyoming car insurance premium are to drive safely, compare car insurance quotes, and review your coverage and deductible to find opportunities to save. With Root, you can get a personalized car insurance quote in minutes and explore coverage options that fit your needs and budget in the Equality State.
Is Wyoming a no-fault car insurance state?
No, Wyoming is not a no-fault state. It is an at-fault (or fault-based) state for car accidents. The driver who causes the crash is responsible for paying for medical bills, car repairs, and other damages through their insurance.
Is auto collision insurance required in Wyoming?
Wyoming law does not require drivers to carry collision coverage. The state only requires minimum liability insurance. Still, when comparing auto insurance quotes, consider adding collision protection to help pay for repairs to your vehicle after an accident, regardless of who caused it.
Is uninsured / underinsured motorist coverage required in Wyoming?
No, Wyoming drivers are not required to carry uninsured/underinsured motorist coverage. Like all auto insurance companies, Root offers optional UMPD and UM / UIM coverage in Wyoming to help pay for injuries or vehicle damage when the at-fault driver has no insurance or insufficient coverage. Insurers in Wyoming must offer this coverage, so if you don’t want it, you’ll need to reject it in writing. We make it easy to choose your coverage in our app.
Does Root offer full coverage car insurance in Wyoming?
There’s actually no such thing as “full coverage” in the auto insurance industry, but the term usually refers to combining liability (Bodily Injury and Property Damage), collision, and comprehensive. Root offers all of these coverages.
Who needs SR-22 insurance in Wyoming?
High-risk Wyoming drivers may be ordered by a court or the Wyoming DOT to provide an SR-22 after serious violations such as DUI, DWI, or driving without insurance.
An SR-22 is not insurance, but a certificate your auto insurer files to prove you carry the state-required minimum coverage. For high-risk drivers, failing to maintain it can result in license suspension.
How does Wyoming verify car insurance?
Wyoming uses an online insurance verification system run by the Wyoming Department of Transportation (WYDOT). The system checks coverage directly with insurance companies, and electronic verification is accepted as proof of insurance. If WYDOT can't electronically verify your coverage after a crash, you could face an uninsured accident suspension, so keep your coverage active. With Root, you can always find your insurance card in our app.
What happens if I'm partly at fault for an accident in Wyoming?
Wyoming uses a modified comparative fault rule with a 51% bar. You can recover damages as long as your share of fault is 50% or less of the total fault of everyone involved, though your compensation is reduced by your percentage of fault. If you're found 51% or more at fault, you can't recover damages.
How long do you have to file a car accident claim in Wyoming?
Wyoming gives you four years from the date of an accident to file a lawsuit for injuries or vehicle damage, which is longer than many states allow. Even so, it's best to report the accident to your insurance company and start your claim right away, while details are fresh and evidence is easier to gather.
Helpful resources for Wyoming drivers
Wyoming Department of Transportation Driver Services
WYDOT Driver Services issues driver's licenses and ID cards and maintains driving records.
Wyoming Titles, Plates, and Registration
Learn how vehicle titles and registrations work in Wyoming on the WYDOT titles and registration page.
Wyoming Department of Insurance
The Wyoming Department of Insurance regulates insurance in the state and helps consumers with insurance questions and complaints.
Start saving on car insurance
Get a quote and get on the road in less than 5 minutes with Root. It’s practical, simple, and fast car insurance for drivers who have more important stuff to do.
References
Wyoming State Legislature. Wyoming Statutes Title 31, W.S. 31-9-102.
Insure.com. Annual average rates were compiled in 2026.