In all the fifty states of the U.S, you will need car insurance if you want to drive. The car will need liability insurance at the very least, if you plan on taking the car out of the garage and on to the street. Wyoming is no different in this respect. Liability insurance will help the other car or person in the event of an accident. The minimum body injury liability is 25,000/50,000 and for property damage it is $20,000 or 25/50/20 in insurance parlance. It is the most basic form of all car insurance policies. It will cover something as simple as a broken head light or emergency medical service for the car or person you damaged.
The next option is to get comprehensive car insurance. In the state of Wyoming, this type of insurance is optional, however highly recommended. With comprehensive car insurance, you and your car will be covered in an accident, even if the other person does not have any insurance. With this insurance you will be able to fix your car and will only have to pay deductible, the amount which will be what you agreed when you first purchased the insurance. This will be different from person to person and the company you use.
One of the biggest reasons why it is recommended to get comprehensive coverage in Wyoming is because of the presence of wild life. Every year, thousands of people run into wild animals in Wyoming. If it is just a coyote or jack rabbit, it may not be a big deal. If it is a dear or a moose, then it is a whole different story. Running into an animal such as a moose can do serious damage to your car. Remember, a moose can weigh as much as a car or two. Therefore in a state such as Wyoming, it is important that you get a good, solid comprehensive insurance policy before driving around in the state.
In most states, the state government controls the laws regarding insurance coverage and policies, and Wyoming is no different. Nowadays there is the option of looking around on the internet for rate comparison. With Wyoming car insurance this is no different. It should not be difficult to find one that can be customized to suit you needs. Driving in Wyoming without at least basic insurance is considered to be a misdemeanor offense. If caught, you can expect to shell out at least $250 or up to $750. In some situations it may come with jail time.
The average auto premium in Wyoming is 130 dollars. As in many other states this can vary depending on the persons driving history, type of car, whether it is a leased car and so on. When looking for an insurance company, the recommended number of quotes to get before going forward with it is 3.