Wyoming sets minimum coverage by law — and those minimums are often far too low for a serious crash.
The Legal Minimums
Wyoming requires minimum auto liability coverage of $25,000 per person, $50,000 per accident for bodily injury, and $20,000 for property damage (Wyo. Stat. § 31-4-103). Driving without this coverage is illegal and carries penalties, but more importantly, the minimums rarely cover the cost of a serious injury.
At-Fault State Basics
Wyoming is an at-fault (tort) insurance state, meaning the driver who causes a crash is responsible for the resulting damages. That means after a crash, you generally pursue the at-fault driver's liability insurance for your medical bills, lost wages, and other losses — rather than your own policy, except for UM/UIM and any optional medical-payments coverage you carry.
Why Minimum Limits Fall Short
A single ambulance ride, ER visit, and orthopedic surgery can exceed $25,000 quickly. When the at-fault driver carries only the minimum, the remainder may have to come from your own underinsured-motorist coverage — which is exactly why carrying robust UM/UIM matters in Wyoming.
Recommended Coverage
Many Wyoming drivers choose limits well above the statutory floor, plus UM/UIM and medical-payments coverage. The modest extra premium can be the difference between full recovery and a large unpaid medical bill after a crash someone else caused.
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This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Wyoming attorney.