Wyoming Car Insurance

The Grand Tetons, Yellowstone, the badlands – Wyoming certainly isn’t lacking in natural beauties. And drivers know they’ll need a good car and a good insurance policy to get around and see them all. To help Wyoming drivers keep a handle on their insurance needs, The Simple Dollar has compiled a wealth of information in one easy place. Below you’ll find key statistics, rules and regulations, and resources to keep you safe and secure on Wyoming’s open roads.

 

 

 

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Stats in Your State

Understanding the car insurance industry isn’t easy, but it’s made simpler with the most important driving statistics laid out at a glance. We’ve put together a few sets of data to illustrate how Wyoming’s car insurance premiums compare with the national average, along with factors like traffic fatalities and average car repair costs that influence rates.

Auto Insurance Premiums

Despite a high influx of tourists each summer, Wyoming drivers remain relatively safe and cheap to insure compared with the U.S average. From 2000 to 2008, Wyoming drivers paid anywhere from $200 to $130 less on average than most Americans.

Traffic Fatalities over time

Although 2006 saw 195 traffic fatalities in Wyoming, between 2008 and 2011 the number of traffic deaths statewide has been consistently lower: between 130 and 160 each year. This is in no small part thanks to increased public awareness and safer vehicle manufacturing standards that led to safer roads nationwide.

Auto Repair Costs

While Wyoming’s drivers paid less than the national average for car repairs in 2010, the average car repair cost in Wyoming suddenly spiked in 2011 to more than $50 above the U.S. average. This is due in part to growth in Wyoming’s economy, leading to more drivers fixing their cars than in previous years.

Rules in Your State

Staying safe and legal on the open road involves more than just staying within the speed limit, so The Simple Dollar has compiled some essential rules of the road in one place for Wyoming drivers to reference. Below you’ll find the basics of insurance requirements, new driver laws, and drunk driving penalties, along with important insurance regulations.

Minimum Required Car Insurance in Wyoming

  • $25,000 of bodily injury to another person
  • $50,000 of bodily injuries to all other persons
  • $20,000 of injury to or destruction of property of others in any one accident

Required Proof of Insurance in Wyoming

  • The name of the insured person
  • The name of the insurance provider
  • A description of the insured vehicle, including year, make, and model information and the vehicle’s identification number, or VIN.
  • The effective date of coverage

Wyoming Licensing Facts for Teen Drivers: Understanding the Graduated Driver License

  • Hardship License for Minors? Yes.
  • Learner’s Permit Age: 14 years. Driver must have 50 practice hours of driving, and must reach age 16 before applying for a license.
  • Restricted License Age: 16 years. Drivers may only have one passenger under the age of 18 and may not drive between 11:00 pm and 5:00 am for the first six months of their restricted license, or until they reach age 18, whichever comes sooner.
  • Full License (Unrestricted) Age: 16 years, 6 months.

Additional Insurance Rules in Wyoming

The Wyoming Insurance Code regulates everything from corporate structures to claims practices, but a few of the most important sections are listed below. Read through them to get familiar with how claims are handled, and which practices are prohibited.

DUI/DWI Laws:

Administrative license suspension 1st offense? 90 days
Restore driving privileges during suspension? If hardship is demonstrated, restricted driving privileges may be restored.
Are ignition interlocks mandatory for first offenders for the following offenses? High-BAC offenders only
Are ignition interlocks mandatory for repeat offenders for the following offenses? yes
Fine for first offense? Up to $750
Jail sentence for first offense? Up to 6 months

Representatives & Resources in Your State

Whether you need assistance with a difficult claim, or you’re just looking to learn more about your insurance options in Wyoming, you can find info and guidance at the links below. Contact these state agencies for tips on road safety, rules of the road, and how to choose a great insurance policy.

Wyoming Department of Insurance
106 E. 6th Avenue
Cheyenne, WY 82001
307-777-7401
Get Directions
Contact Information
Consumer Complaints
Auto Insurance Information

Wyoming Department of Transportation
5300 Bishop Blvd.
Cheyenne, WY 82009
307-777-4375
Get Directions