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All vehicles registered in the State of Wyoming are required to maintain liability insurance in the amount of 25/50/20. Driving with no car insurance in Wyoming will expose you to great risk of personal liability, heavy fines by law enforcement officials and possible suspension of both your vehicle registration tags and driving privileges. All vehicles must be insured in Wyoming!
Wyoming Car Insurance Laws
Car insurance may be a little mundane but it’s also one of the most important financial products you can have while operating a vehicle. The right type of car insurance coverage can provide security for almost any type of car accident while the wrong type of car insurance can mean you have very little protection. Wyoming car insurance laws only require liability auto insurance. Current laws (2010) state that all vehicles must maintain minimum liability insurance of:
- $25,000 bodily injury insurance for auto accidents with one injured person
- $50,000 total bodily injury liability insurance per accident (all injured persons)
- $20,000 in property damage liability
On the surface these limits seem to be sufficient for most car accidents however do you know that liability insurance provides NO coverage for damage to your vehicle?
State laws usually only require liability insurance but never require drivers to carry coverage for their own personal property so you should always consider comprehensive, collision and other types of coverage. You should also look at expanded levels of coverage as $25,000 may very well cover the cost of any vehicular damage in most accidents it certainly may not even cover the down payment on any kind of extended hospital stay for medical injuries. Then you are also subject to loss of income, emotional distress and anything else a car accident attorney can send your way. Most Wyoming drivers opt for a well rounded policy which includes several forms of coverage and higher limits.
Wyoming Car Insurance Rates
Wyoming car insurance rates average around 10% higher than the national average at just over $1,500 a year but there are many ways to find cheap car insurance in Wyoming.
Learn about Discounts
Car insurance companies offer a number of discounts and some vary depending on provider. Always make sure to include your existing insurance company for a homeowners or life insurance policy in the comparison search as multi-policy discounts can often save 10% or more.
Consider Different Deductibles
Sometimes increasing your policy deductible can result in substantial savings on auto insurance. While a higher deductible means more money out of pocket in the event of an accident it can also save you a lot of cash on monthly premiums so play with different policy deductibles.
Always Compare Providers
The fastest way to the best car insurance rates is through car insurance comparison. Always compare auto insurers as you would a new vehicle or new TV. There are many different types of policies and many companies with different reputations when it comes to customer service and claims handling. Try to find the best combination of affordable coverage and a reliable provider for your needs
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