Car Insurance in Wyoming

If you want to register your car or truck in Wyoming, you need to prove that you will be able to pay for any damages or injuries your vehicle causes. This is called “financial responsibility.”

Ways to Establish Financial Responsibility

• Purchase a liability insurance policy.

• Secure a bond with a surety company authorized to do business in Wyoming or with at least two individual sureties that own real estate in Wyoming.

• Deposit $25,000 (or securities of equal value) with the state treasurer.

Wyoming Liability Insurance Requirements for Private Passenger Vehicles

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

• $20,000 per accident for property damage

Please note that these are the very minimum requirements. If you want additional coverage, see our Types of Coverage page for more options.

Proof of Insurance and Financial Responsibility

If you purchase insurance, your insurance company will send you a “proof of insurance” card. If you secured a bond or made a deposit to the treasurer, you will need a certificate to prove it. Keep proof of financial responsibility in your car so you can show it to an officer who asks to see it.

This is not, however, the only way Wyoming checks to see if you’re insured. Your registration will be compared to a list of vehicles insured in Wyoming. If you come up as uninsured, you will have seven days to show proof of coverage.

Penalties for Failure to Maintain Financial Responsibility

The penalties for being found with no proof of insurance are a bit steep. For a first offense of this misdemeanor, you could be fined $250-$750, go to prison for up to six months, or both.

A second offense will cost you $500-$1,500, six months in jail, or both. Plus, you will have to give the county treasurer your vehicle registration and license plates until you have met all obligations.