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Wyoming auto insurance laws
Wyoming is considered a tort state, which means that drivers are financially responsible for any damage and injury they cause during an auto accident. Most drivers purchase liability insurance to fulfill this responsibility.
Wyoming auto insurance laws require liability coverage of 25/50/20. (That's $25,000 per person for injuries you cause to the other party, up to $50,000 for all, and $20,000 for damage you cause to the other party's property.)
However, these are only minimums, and higher levels of coverage are strongly recommended, especially if you have assets to protect. After all, accidents can get very expensive, especially if injury is involved.
Wyoming auto insurance companies will also offer optional coverages such as medical payments, collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage.
You may want to consider purchasing any or all of these policies, especially uninsured and underinsured motorist coverages. These help cover the cost of your injuries should you be struck by a driver with inadequate liability insurance.
Sidebar If you are a Wyoming resident, you may be able to save on your premium by visiting Electric Insurance. Their policies are available only to those drivers whose credit and driving records could be described as being at least good. After comparing rates at ComparisonMarket, get a quote from Electric to see if you qualify.
How Wyoming car insurance rates are set
For better or for worse, the price of Wyoming auto insurance is decided by the behavior of the state's drivers as a whole. Wyoming auto insurance companies take the cost of insuring Wyoming drivers (this includes what they pay out for injury and damage, legal and administrative fees, and the cost of prosecuting insurance fraud) and divide it up among the drivers.
But the cost isn't spread around evenly. Instead, Wyoming car insurance providers calculate how much a certain "category" of driver costs them, and decide premiums based on that. The "category" you're in is decided by your driving record, your age, where you live, and the kind of car you drive, among other things.
Of course, not all auto insurance providers use the same categories and calculations, so the same set of characteristics (yours!) will be seen very differently by different insurance companies. And they'll quote youdifferent rates.
What this means for you, as an Wyoming driver, is that you need to shop around. It's the fastest easiest way to save on an Wyoming auto insurance policy.
Where you can get Wyoming car insurance quotes
The following web sites will help you find Wyoming auto insurance quotes: (these links will open in a new window)
ComparisonMarket is by far the best online insurance shopping service, and it is the site to visit first when you're looking to save on top-rate auto coverage.
This wrebsite provides general information for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent auto insurance professional licensed in your state with respect to your particular situation.