Insurance Requirements for Car Registration in Wyoming

The Wyoming Department of Transportation requires all drivers to have a minimum liability insurance or "financial liability" in order to legally operate a vehicle on Wyoming's roads. Most drivers prefer to purchase insurance through a provider, but there are two other methods of securing financial liability that are permitted by the state:

• Drivers can post a bond with the Wyoming Department of Transportation.

• Drivers can contribute $25,000 to the State Treasurer.

financial responsibility requirements

The minimum financial liability requirements for Wyoming drivers are as follows:

• Minimum $25,000 per person for personal injury or death. This means you need to have at least $50,000 with you to cover the fewest possible number of people involved in an accident (two drivers).

• $20,000 minimum for property damage liability

This means that the total minimum amount of financial liability you will require is $70,000 to cover bodily injury or death, as well as liability for property damage.

In addition, Wyoming insurance policies must include a minimum total of $70,000 for uninsured or underinsured motorist coverage, which pays for injuries sustained in an accident with a driver who did not have the legally required liability insurance or did not have sufficient coverage. insurance. However, Wyoming drivers can opt out of this coverage if they so choose.

Wyoming Auto Insurance Plan

Any driver who is considered a "high risk" driver may be legally denied coverage by the Wyoming insurance company. To ensure that all drivers have the legally required liability insurance, the state maintains the Wyoming auto insurance plan. Under this plan, any driver can apply for coverage through any licensed insurance agent, regardless of their driving history.

proof of insurance

Drivers in Wyoming must show insurance if they are in a car accident or if they are pulled over by a police officer for a traffic violation. Drivers are also required to present an insurance certificate when registering a vehicle. Acceptable proof of insurance coverage includes:

• Insurance ID provided by an authorized insurance company.

• Certificate of Deposit from the State Treasurer in the amount of $25,000.

• Evidence of bail in a Wyoming Department of Transportation case.

Penalties for Violation

There are several types of fines that can be issued to drivers found guilty of violating insurance rules in Wyoming. For drivers who fail to produce an insurance certificate within a week of being asked to by a law enforcement officer, fines may include:

• Fine up to $750.

• Up to six months in prison

In addition, drivers whose driver's license has been suspended for being involved in an accident without insurance may be required to file an SR-22 document showing financial responsibility. This document guarantees the state that the driver will have the necessary liability insurance for three years, and results in more expensive insurance premiums.

For more information or to renew your registration online, contact the Wyoming Department of Transportation through their website.