Car insurance in Wyoming (25/50/20)
- Minimum car insuranceWyoming requires at least $25,000 per person and $50,000 per accident for bodily injury and $20,000 for property damage. Insurers must include uninsured motorist coverage, but the named insured may reject it; PIP is not required. Source
- Fault systemWyoming is an at-fault (tort) state: the driver who causes a crash, through their liability insurance, pays for the other party's injuries and damage. Source
Business insurance rules in Wyoming
- Workers’ compensationWyoming is a monopolistic state: employers in industries the law defines as extra-hazardous must get workers' compensation from the state fund run by the Department of Workforce Services before work begins. Employers outside those industries may choose state fund coverage, or buy coverage from private insurers regulated by the Department of Insurance. Source
- Contractor licensingWyoming licenses electricians and electrical contractors through the Department of Fire Prevention and Electrical Safety in the State Fire Marshal's office. Source
Disasters, floods, hail, tornadoes and earthquakes in Wyoming
| Measure | Wyoming | Rank among the states | Detail |
|---|---|---|---|
| Federal major disaster declarations since 2000 | 9 | #50 of 51 | Most often for flood (4), severe storm (3), fire (1). Platte County has been in 4 of them. |
| National Flood Insurance Program claims, 2005–2025 | 215 | #51 of 51 | $2.4 million paid; 48% of claims with a known flood zone were outside FEMA’s high-risk zones. |
| Hail reports, 2016–2025 | 1,614 | #15 of 51 | 147 of them 2 inches or larger. Largest stone 4.5 inches, Goshen County, June 2024. |
| Tornadoes, 2016–2025 | 98 | #30 of 51 | 15 rated EF2 or stronger; 750 recorded since 1950. |
| Earthquakes of magnitude 4.0+, 2000–2025 | 22 | #13 of 51 | Largest: magnitude 5, 20 km ESE of Kelly, Wyoming, January 7, 2004. |
From the public FEMA, NOAA, Storm Prediction Center, USGS and FMCSA records behind each linked report; ranks count all 50 states and Washington, DC unless noted.
Look up the storm history of any county in Wyoming.
The property risks that matter in Wyoming
Wyoming is a monopolistic workers' compensation state, and Cheyenne is one of the most hail-prone cities in the country.
Large hail regularly damages roofs, siding and vehicles in Wyoming. Comprehensive coverage handles hail on your car; on your home, check the roof settlement terms and any cosmetic-damage exclusion.
For homes in the Wyoming wildland-urban interface, insurers increasingly use parcel-level wildfire scores. Document your mitigation work, keep your dwelling limit at full rebuild cost, and review extended replacement cost options.
Worth knowing in Wyoming
Wyoming's workers' comp is unusual twice over: it comes from a state monopoly fund, and it is mandatory only for extra-hazardous industries.
Annual review checklist for Wyoming
- Compare your auto liability limits with the Wyoming minimum of 25/50/20 and with your actual assets.
- Read the roof settlement clause and ask whether Class 4 impact-resistant shingles earn a credit.
- Add water backup coverage and keep heat on when the home is empty.
- Document defensible space and home hardening work with dated photos for your insurer.
- Keep a current home inventory stored off-site.
Wyoming’s insurance regulator
Insurance in Wyoming is regulated by the Wyoming Department of Insurance, which handles consumer complaints and licenses insurers and agents.
Sam Alishahi holds a Wyoming nonresident insurance producer license (#685096, NPN 21022298) and places Wyoming policies directly.
Common questions
What is the minimum car insurance in Wyoming?
Wyoming requires at least $25,000 per person and $50,000 per accident for bodily injury and $20,000 for property damage. Insurers must include uninsured motorist coverage, but the named insured may reject it; PIP is not required.
Is Wyoming a no-fault state?
Wyoming is an at-fault (tort) state: the driver who causes a crash, through their liability insurance, pays for the other party's injuries and damage.
Do employers in Wyoming need workers’ comp?
Wyoming is a monopolistic state: employers in industries the law defines as extra-hazardous must get workers' compensation from the state fund run by the Department of Workforce Services before work begins. Employers outside those industries may choose state fund coverage, or buy coverage from private insurers regulated by the Department of Insurance.
Will my Wyoming policy pay to replace a hail-damaged roof?
It depends on the roof settlement terms. Some policies pay replacement cost; others pay actual cash value on older roofs or exclude cosmetic damage.
Are frozen pipes covered in Wyoming?
Sudden bursts are usually covered, but damage caused by failing to maintain heat in a vacant home may be excluded.
More answers: Wyoming homeowners insurance guide Wyoming renters insurance and security deposit guide Wyoming life insurance consumer guide Wyoming flood risk and NFIP guide
Sources
- Wyoming: Minimum car insurance
- Wyoming: Fault system
- Wyoming: Workers’ compensation
- Wyoming: Contractor licensing
- Wyoming: insurance regulator
- NAIC: directory of state insurance departments
General information as of October 2026, not legal advice; confirm current rules with the agency.