Wyoming Car Insurance Minimum Requirements

Wyoming requires at least 25/50/20 liability coverage. That is $25,000 for injuries to one person, $50,000 per accident and $20,000 for property damage.

Shorthand: 25/50/20
The three figures live in § 31-9-405(b)(ii) and are repeated word for word in the definition of "proof of financial responsibility" in § 31-9-102(a)(xi), so one set of numbers governs three different things: the everyday duty to insure under § 31-4-103(a), the certificate an SR-22 filer keeps on file, and the security an uninsured driver must post after a crash under § 31-9-202(d). Wyoming publishes its statutes only as whole-title PDFs, so the source link below is the official title 31 file rather than a per-section page.
Bodily injury — per person: $25,000
Bodily injury — per accident: $50,000
Property damage: $20,000
Twenty thousand, not twenty-five. Wyoming shares this figure with its neighbor Montana, and it is the digit that summaries most often round up: the shorthand is 25/50/20, never 25/50/25.
Uninsured / underinsured motorist: Uninsured motorist must be included unless you reject it; underinsured motorist is not required at all
Two different coverages, and Wyoming mandates only one. Section 31-10-101 forbids delivering a liability policy on a vehicle registered or principally garaged here unless uninsured motorist coverage is provided at the bodily injury limits in § 31-9-102(a)(xi) — $25,000 and $50,000. The named insured "may reject the coverage", and the statute prescribes no form for that rejection; writing is required only to put the coverage back on a renewal after you once rejected it. Underinsured motorist coverage appears nowhere in Wyoming law as a requirement. The only extension § 31-10-102 makes is to treat an insured vehicle as uninsured when its liability insurer is insolvent.
Personal injury protection (PIP): Not required
Wyoming is a pure tort state with no personal injury protection and no no-fault benefits. The phrase "personal injury protection" does not appear anywhere in the Wyoming Insurance Code (title 26) or in the motor vehicle code (title 31). Title 31 requires liability coverage and nothing else.

Property damage minimum — where Wyoming sits

Wyoming sets $20,000 — higher than 17 of the 51 jurisdictions on this site. The range runs from $5,000 to $50,000.

How Wyoming compares with every other state

What these numbers buy you

Those first two numbers are two different walls, and drivers regularly mistake them for one. $25,000 is the most the policy pays for any single person's injuries. $50,000 is the ceiling for everyone hurt in the same crash put together. Injure one person badly and $25,000 is all your insurer owes, however large the bill. Injure three people and they divide $50,000 between them. Anything a court awards above those lines is yours to pay, and it does not go away when the policy runs out.

The $20,000 of property damage cover is the figure drivers look at last and need first. It pays for what you hit — the other car, a guardrail, a storefront — and nothing else. Only 17 states on this site set a lower floor. Whatever the repair or replacement actually costs above $20,000 is not covered by this policy, and the difference is a debt in your name rather than your insurer's.

None of this is what Wyoming drivers actually spend. The average premium written per insured vehicle here was $338 in 2023, 45th highest of 51 states and DC — and that average covers policies far above the legal floor, not the bare minimum on this page.

Carrying the minimum is legal, not safe. It is the line below which Wyoming will not let you drive — and the penalties for falling under it are on the driving uninsured page.

Common questions

Is uninsured motorist coverage required in Wyoming?

Uninsured motorist must be included unless you reject it; underinsured motorist is not required at all.

Is PIP required in Wyoming?

Not required.

Is full coverage required in Wyoming?

No. Collision and comprehensive — the two coverages people usually mean by "full coverage" — are not part of what Wyoming law requires. A lender or leasing company will usually require them until the car is paid off.

Every statute cited for Wyoming

Why the rule looks like this

More on Wyoming

Checked against the primary sources above on September 30, 2026. If a figure here is wrong, tell us and we will fix it — what we have corrected so far is public.