Wyoming Car Insurance (WY)

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If you are looking for cheap car insurance in Wyoming, you can start with what you can do right at the comfort of your own home or office. There are free auto insurance quotes that you can obtain from the sites of each company that caters to potential clients online or compare quotes at Insure4USA.com from all insurance companies in one place. All you need to do is fill our out a form which would basically assess the kind of driver that you are as well as your financial capacity to pay the premiums depending on the type of coverage that you prefer.

There are great deals that you can find online so there is really no need to spend too much money on auto insurance payments as long as you know exactly where you have to look. Make sure that you are following the minimum requirements set by law for auto insurance in Wyoming. Your coverage has to be sufficient to cover a certain amount that needs to be paid in case there is an accident of which you were the cause. Protect yourself as well as your livelihood by making sure that you comply with the minimum insurance coverage requirements which are not as high as compared to other States where there are more stringent laws and steeper fines.

The owner or operator of a vehicle must have minimum liability coverage:
- $25,000 per person for Bodily Injury;
- $50,000 per accident for Bodily Injury;
- $20,000 per accident for Property Damage;

Insurance required:
- Bodily injury liability;
- Property damage liability;

Proof of insurance required:
- At registration (YES)
- At time of accident (YES)
- At all times in vehicle (YES)

(I.I.I.) recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident.

Wyoming Car Insurance Laws: Lessening The Impact of Accidents

Accidents happen all the time. They are unexpected. But that does not mean that you cannot do anything to prepare for them. You might not be able to avoid accidents altogether but there are things that you can do to make their effects less devastating or more bearable. Wyoming laws ensure that people who figure in accidents have a source for recourse in their time of need. Aside from safety measures that are recommended for both motorists and pedestrians, the state of Wyoming requires that all motorists protect themselves from financial liability by purchasing a car insurance coverage with at least the minimum limits. In case a motorist causes an accident, the person he injures or whose property is damaged in the accident could at least expect to get some financial indemnity from the insured motorist’s insurance company. While the physical effects might not be avoided, the financial impact of such injuries or damages could at least be eased by the amount of money that could be provided by the insurance company under the motorist’s car insurance coverage. Somehow, it would be easier for the injured third party to get back to the way things were before the accident. Sadly, though, these minimum coverages required by Wyoming laws might not be enough to cover serious injuries in major road accidents resulting in long-term injuries and irreparable damages.

In as far as bodily injury liability is concerned, the minimum limit set by Wyoming laws is $25,000 per person or up to a total of $50,000 per accident. Minor injuries could be covered by this amount but not those that result in either temporary or permanent disability. As Wyoming’s laws follow a tort system, the injured person can actually choose to sue the motorist at fault for all the expenses necessary to treat his injuries as well as for all other expenses that might result from such injuries. This often includes loss of income, family support, and long-term care among others. This obviously involves a hefty sum. You can take out a car insurance coverage enough to cover such amount but it would likely cost you more money than you are prepared to spend in premiums. Evaluate your options carefully so that you can more or less determine the amount of coverage that you can afford without shortchanging your coverage. Moving on to property damage liability, the minimum limit set by Wyoming laws is $20,000. This should cover any damages that a motorist causes on another vehicle or on any fixed property.

Wyoming Department of Insurance

• 106 East 6th Avenue Cheyenne, WY 82002
• Phone: (307) 777-7401
• Fax: (307) 777-2446
• insurance.state.wy.us

Wyoming Department of Transportation

• 5300 Bishop Blvd. Cheyenne, WY 82009
• Phone: (307) 777-4375
• dot.state.wy.us