Wyoming Auto Coverage Requirements
This chapter covers the coverage rules a Wyoming producer must know to place personal auto correctly: the compulsory liability limits, mandatory uninsured motorist coverage, and Wyoming's tort (at-fault) approach to the right to sue.
Compulsory Liability and Uninsured Motorist Coverage
Wyoming requires minimum auto liability of $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage (25/50/20), verified this session via a state auto-insurance requirements source. Wyoming also requires uninsured/underinsured motorist coverage, though the applicant may reject it in writing; when carried, its limits generally match the liability minimums. These are minimums that can change by law; verify the current figures with the Wyoming Department of Insurance.
A Tort State, Not No-Fault
Wyoming follows a traditional tort (at-fault) system rather than no-fault. Wyoming is not among the roughly twelve no-fault jurisdictions identified by the Insurance Information Institute, so an injured person keeps the full right to recover from the at-fault driver and there is no mandatory no-fault PIP benefit. Because states periodically revisit their auto systems, confirm the current framework with the Wyoming Department of Insurance when advising clients.