Uninsured Motorist Insurance in Wyoming

6% of drivers in Wyoming have no insurance at all. If one of them hits you, uninsured/underinsured motorist coverage (UM/UIM) pays for your injuries and vehicle damage. It's one of the most important coverages you can add — and one of the cheapest, typically adding just $10-$25/month.

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Why UM/UIM Coverage Matters in Wyoming

Uninsured Drivers in Wyoming

$10-$25

Monthly Cost to Add UM/UIM

~13%

National Uninsured Rate

$20K+

Average Injury Claim Cost

Imagine you're stopped at a red light and an uninsured driver rear-ends you. Without UM/UIM coverage, you could be stuck paying your own medical bills and car repairs — even though you did nothing wrong. In Wyoming, with 6% uninsured drivers, this scenario is far too common.

What UM/UIM Covers

Uninsured Motorist Bodily Injury (UMBI) — pays for your medical bills when an uninsured driver injures you
Uninsured Motorist Property Damage (UMPD) — pays to repair your vehicle (not available in all states)
Underinsured Motorist (UIM) — kicks in when the at-fault driver's coverage isn't enough to cover your costs
Hit-and-run protection — covers you when the other driver flees the scene

Is UM/UIM Required in Wyoming?

Wyoming uses an at-fault system, meaning the at-fault driver pays for damages — but if they have no insurance, UM/UIM is your backup. While requirements vary, adding UM/UIM to your Wyoming policy is one of the smartest insurance decisions you can make.

UM/UIM Rates by Carrier in Wyoming

Insurance Company	6-Month Premium	Monthly Cost
USAA ⭐	$606	$101/mo
GEICO	$690	$115/mo
Mountain West Farm Bureau	$708	$118/mo
Progressive	$774	$129/mo
State Farm	$852	$142/mo

Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.

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Uninsured Motorist Insurance in Wyoming — FAQ

Who has the cheapest car insurance in Wyoming?

USAA offers the cheapest full coverage at $101/month in Wyoming. Rates vary by driver — call (888) 217-6781 for a personalized comparison.

How much is uninsured motorist insurance in Wyoming?

Full coverage in Wyoming averages $152/month, liability-only averages $40/month. The cheapest option is USAA at $101/month. Compare multiple quotes for your best rate.

Can I get a free uninsured motorist insurance quote in Wyoming?

Yes — call (888) 217-6781 for a free, no-obligation quote. We compare 5+ carriers in Wyoming to find your lowest rate in under 2 minutes.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Wyoming Insurance Department — official state insurance regulator for Wyoming.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Wyoming DOT — Wyoming vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.