Wyoming Auto Insurance

Wyoming state sealState law requires that all motorists maintain a liability policy that meets the financial responsibility requirements. This coverage must be maintained at all times while operating a vehicle. The state's Department of Insurance encourages consumers to shop around and compare quotes from different companies in order to find the most affordable coverage.

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Comparing Car Insurance in Wyoming

The importance of completing a comparison of rates and insurers comes down to the fact that each company will quote each individual differently. Therefore, the more rates one has do compare from, the more choices they give themselves and ultimately save on their new policy.

A rapidly increasing method of comparing rates is with the help of the Internet. Consumers can now be provided with multiple quotes from various insurers within a matter of minutes, which can speed up the process of finding cheap WY auto insurance and the right company. Individuals should not choose a policy on price alone, there are other aspects that may be just as important.

A Wyoming car insurance comparison should be done on a company's financial stability and their customer service as well. Financial position is important because this shows the insurer's ability to pay out claims when they are obligated to. If a company is not financially sound the insured may find themselves struggling to obtain compensation after filing a claim. There are many agencies online that rate providers and can be accessed by the general public. These companies will give a rating and a definition of what it entails. It may be wise to avoid a carrier who may look to be in bad shape financially.

Customer service and the claims department are vital because these are the departments that will have to be dealt with if one were to have to make a change to a policy or file a claim. Neither process should have to become a hassle, especially after having been involved in a traffic accident. So if the support is not sufficient that is being provided to customers, it may be a good idea to look elsewhere.

Wyoming Auto Insurance Laws

After buying WY auto insurance policies, all automobile operators must have proof of a liability policy at all times. The minimum required limits are 25/50/20 which translates into the following:
  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury to two or more people
  • $20,000 for property damage

buffalo on Wyoming roadAs of July 1, 1991, the Wyoming car insurance laws gave law enforcement officers the right to request proof of coverage at any time. If a driver cannot provide the proof they will have seven days to produce such documentation. Failure to comply can result in a fine of up to $750, imprisonment of up to 6 months, or both. As of January 1, 1993 vehicles could no longer be registered without evidence of a policy in effect. For more information in regards to being in compliance one can refer to the WY Motor Vehicle Safety-Responsibility Act that describes the law.

Questions about Wyoming Auto Insurance

  • Can a Wyoming Police Officer Demand Proof of Auto Insurance?

    Wyoming stateTo help decrease the percentage of uninsured motorists in Wyoming, state legislators gave WY law enforcement officers the right to request proof of auto insurance at any time. If motorists are unable to produce adequate proof, they have seven days to present the necessary documentation to the...

  • Do I Need Auto Insurance When Driving Through Wyoming?

    Wyoming written on United States flagMotorists driving across the Equality State don't need to be legal residents of Wyoming to be involved in an accident. The state Department of Transportation estimates that in 2010 there were more than 14,600 crashes there, and of the individuals involved in...

News for Wyoming Car Insurance

  • Wyoming, Ohio Pursue Electronic Insurance Proof Legislation

    January 30, 2013 - Legislative efforts are under way in two states where lawmakers want to let drivers prove that they have insurance coverage with their smartphones and other mobile devices. SF 87 has been speeding through Wyoming's state Legislature this month after being introduced by Sen. Charles Scott (R-Casper) on Jan. 9. Unanimous approval ...

  • Wyo. and Colo. Insurers See Nearly $285 Million in Storm Losses

    July 21, 2011 - Monsoonal rain and hail the size of golf balls caused about $285 million in damage last week in Colorado and Wyoming, according to estimates released Tuesday by the Rocky Mountain Insurance Information Association. An estimated 50,000 loss reports have been filed with insurance ...

  • Progressive Snapshot Discount Comes to Mississippi and Wyoming

    May 23, 2011 - Drivers in Mississippi and Wyoming are now eligible for Progressive's Snapshot discount program, which allows customers with safer driving patterns to save up to 30 percent on a car insurance policy. The pay-as-you-drive (PAYD) program -- a usage-based insurance policy -- uses ...

Articles on WY Coverage Issues

  • Research and Review Wyoming Car Insurance Policies

    Jan 16, 2012 - Operating a motor vehicle in the Equality State carries with it a certain level of risk. The Wyoming Department of Transportation estimates that in 2010 there were over 14,000 crashes. Many of these collisions resulted in...

  • Stay Licensed with Wyoming Car Insurance

    Dec 08, 2011 - Operating a motor vehicle in Wyoming comes with the responsibility of maintaining auto insurance to pay for damages that the policyholder may be responsible for. Driving without first meeting the...

  • Complying with Wyoming Auto Insurance Laws

    Oct 03, 2011 - As a condition to being allowed to operate an automobile, motorists must be financially responsible for the damages that they may cause as a result of driving a motor vehicle. This does not...