Wyoming’s car insurance market features relatively high premiums influenced by rural driving conditions, vast distances, and severe weather. The state follows a fault-based liability system with mandatory minimum coverages.
Wyoming Auto Insurance Facts
Drivers
- ~280,000–300,000 licensed drivers as of 2023.
- ~92% household vehicle ownership.
- Predominantly pickups and SUVs.
- Uninsured motorist rate near 14%.
- Limited public transportation options.
Accidents
| Year |
Reported Crashes |
Injury Crashes |
Fatal Crashes |
| 2018
| ~3,300
| ~900
| 55
|
| 2019
| ~3,400
| ~950
| 60
|
| 2020
| ~3,100
| ~850
| 50
|
| 2021
| ~3,300
| ~900
| 58
|
| 2022
| ~3,350
| ~920
| 55
|
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
