Wyoming is a fault state. If another driver hits you, their insurance company will cover your injuries and vehicle repairs. If you cause an accident, your insurance company will pay for the other driver’s losses.
Wyoming uses modified comparative negligence laws to assign fault in the event of an accident. Here’s how it works: Say you are in a collision, sustain a few moderate injuries, and decide to sue the other driver. If you are 50 percent or more responsible for the crash, you aren’t entitled to money, because you were at least as negligent as the other person involved.
You aren’t required to carry uninsured/underinsured motorist insurance in Wyoming. But as mentioned earlier, it can be valuable. Roughly 6 percent of drivers in Wyoming are uninsured, which can put you at risk4. When an uninsured driver hits you, it can be harder to receive compensation for your losses.
If you choose to purchase uninsured/underinsured motorist insurance, and you have more than one car insured on your policy, you’re allowed to stack your coverage. With stacking, your policy limit is multiplied by the number of cars on your policy. So, if you have two cars with coverage limits of $100,000/$200,000 each, your policy limit would automatically increase to $200,000/$400,000.
The consequences for a DUI in Wyoming are similar to those in many other states. Regardless of the number of offenses you’ve committed, a DUI will stay on your driving record for 10 years. Besides a significantly higher car insurance premium, here are some of the other consequences of getting convicted of a DUI in Wyoming:
|Penalties for a DUI conviction in Wyoming
|Ignition interlock device
|6 months (maximum)
|6 months (if BAC is 0.15 or higher)
|$750 or more
|6 months (maximum)
Seat Belt Laws
You’re required to wear a seat belt while driving or riding as a passenger in Wyoming, but it’s a secondary law. That means law enforcement cannot give you a ticket for failure to wear a seat belt unless you are breaking another law, like speeding or driving recklessly. The only exception is for passengers younger than 9. You can get a ticket if there are children in your car who are younger than 9 and not wearing a seat belt.
Distracted Driving Laws
In Wyoming, texting and driving is illegal, no matter how old you are. If you get caught texting and driving, you will be fined $75. There is no statewide law that bans talking on the phone while driving, but some cities have their own laws against it.
Teen Driver Laws
When you turn 15, you are allowed to get a learner’s permit in Wyoming. However, there are a few restrictions:
- You can’t drive between 11 p.m. and 5 a.m. unless you are with a licensed driver over age 18 who is sitting in the front passenger seat.
- At any given time, you can only drive with one passenger under age 18 who is not an immediate family member.
During the learning period, you are required to complete an approved driver’s education program. In addition, you must show proof that you completed 50 hours of behind-the-wheel driving time before you can take the on-road license test.
When you turn 16, have had a learner’s permit for at least 10 days, and have completed 50 hours of on-road training, you can apply for an intermediate license. However, keep in mind that the restrictions for a learner’s permit and an intermediate license are the same.
Statute of Limitations
The statute of limitations for claims in Wyoming is four years for personal injury and property damage. If you decide to sue another driver after the statute of limitations has ended, their insurance company is not required to give you any money.
Cancellation and Non-Renewal Notification Laws
You’re allowed to cancel your car insurance policy at any time, but so is your insurance company. For example, if you stop paying your monthly premium or your license gets suspended, your insurance company might decide to terminate your coverage. In Wyoming, insurance companies must notify you within 45 days prior to the cancellation date, or within 10 days in the case of a non-payment cancellation.
Similarly, both you and your insurance company can decide not to renew your coverage when the policy period ends. This can happen for a few reasons. For instance, maybe your insurance company decides to stop selling coverage in your area, or you get a DUI and they no longer want to insure you. In the case of non-renewal, Wyoming insurance companies must notify you within 45 days of the effective date.
If you own more than 25 vehicles, you’re allowed to self-insure in Wyoming. Rather than getting a car insurance policy for all 25 cars, you can put up a $200,000 bond, plus $100 for each vehicle you own over 25.
Car Inspection Requirements
Vehicles in Wyoming aren’t required to pass emissions or safety inspections. But if you want to register an out-of-state vehicle in Wyoming, you need to get a VIN inspection from a law enforcement officer in your local jurisdiction to complete the registration process.
If you are convicted of a DUI in Wyoming, you will need to have an SR-22 for three years from the date of conviction. An SR-22 is a certificate of financial responsibility that verifies you carry the minimum amount of insurance that is required in Wyoming. You can expect to pay a much higher car insurance premium when you have an SR-22 on your record.
Defensive Driving Courses
Defensive driving courses are required in Wyoming occasionally. For example, if you receive a seat belt-related citation and fail to pay the fine, you may be required to complete a state-approved defensive driving program. These courses are held online or in person, and depending on your insurance company, you might also be able to earn a discount on your premium.
Accident Reporting Requirements
If you get into an accident in Wyoming that results in a fatality or more than $1,000 in bodily injuries or property damage, you are legally required to report it to the police immediately. Failure to report a collision that meets these criteria will result in a $200 fine.
In a handful of states, it’s illegal for car insurance companies to discriminate against drivers based on credit score and gender when calculating car insurance premiums. However, Wyoming does not have any laws against price discrimination based on these factors.
When you apply for a car insurance policy in Wyoming, the insurance company is allowed to factor your credit score and your gender into your premium. Therefore, if you have a poor credit score, it will likely affect the cost of your insurance. In addition, men typically pay higher car insurance rates than women in Wyoming due to their increased risk of claims and reckless driving.
Total Loss Guidelines
If your car gets damaged in an accident, your insurance company will decide if it meets the total loss guidelines. In Wyoming, the total loss threshold is 75 percent, which means that if the estimated cost of repairs exceeds 75 percent of your car’s ACV, it’s considered a total loss and is not worth repairing. If you have collision or comprehensive insurance, your insurance company will pay you the ACV of your car.