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.
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.
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 nonresident insurance producer license in Wyoming (NPN 21022298), so requests from Wyoming are handled by him 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.
Sources
- Wyoming: Minimum car insurance
- Wyoming: Fault system
- Wyoming: Workers’ compensation
- Wyoming: Contractor licensing
- Wyoming: insurance regulator
General information as of October 2026, not legal advice; confirm current rules with the agency.