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Wyoming Motorcycle Insurance Requirements

Wyoming Motorcycle Insurance Requirements

Wyoming is located in the Western region of the United States in a mountainous area. In terms of area, it is the tenth largest state. In regards to population, it has the second lowest population density of all states. The geography in this state is comprised of mountain ranges, foothills, and high elevation prairies. It is known for being home to the Eastern Rocky Mountains as well as the High Plains. Wyoming has been nicknamed “Equality State” because it was the first state that allowed women to vote, hold positions in public office, and serve as members of a jury.

It has also been referenced as the “Cowboy State” due to its state symbol (of a cowboy on a bucking horse), and is sometimes called “Big Wyoming” because the state is of significant size. This state’s economy is heavily geared towards mineral extraction, travel, tourism, and agriculture – those are the four main economic contributors. Many people enjoy visiting this state to see its various national parks and monuments including: Yellowstone National Park, Grand Teton National Park, Fossil Butte National Monument, Devils Tower National Monument, and Independence Rock.

Wyoming Motorcycle Insurance

Do you own a motorcycle? Do you plan on driving it in Wyoming? If so, you need to be aware of the state laws. Before you drive your motorcycle on state roads, you must prove that you have coverage to pay for any damages that you may cause in an accident – this is called “financial responsibility. The state does not allow anyone to operate a motor vehicle if they do not establish responsibility – this helps keeps the roads safe and fair.

How to Establish Financial Responsibility in WY

There are a variety of ways in which residents are allowed to establish financial responsibility in the state of Wyoming. The most common way to establish responsibility is to purchase insurance, but there are alternatives that you can utilize as well. Read below to view all your options and determine the method that works best for you.

  • Insurance Policy: Buy an insurance policy from a state-authorized insurer that provides liability coverage.
  • Cash Deposit: Individuals are allowed to make a cash deposit with the Wyoming State Treasurer; security bonds are also acceptable.
  • Surety Bond: You are allowed to obtain a bond from a company that is licensed to do operate in this state.

Motorcycles / Two-Wheeled Vehicles Defined

As a resident, it is important to understand the proper classification of your vehicle in this state. Many people do not realize that definitions for motorcycles, mopeds, and scooters are not the same (i.e. universal) across the United States. For this reason, it is important to know how the state defines your vehicle and the requirements that you must follow.

Motorcycle: Every motor vehicle that has a seat or saddle for the use of the rider and is deisgned to travel on not more than three wheels in contact with the ground. These may have a sidecar attached for the purpose of transporting a single passenger. For registration and titling purposes, the definition for “motorcycle” also includes motorized bicycles and scooters. Excluded from this definition are mopeds, tractors, and motorized skateboards.

Motor-Driven Cycle: Any motorcycle, including motor scooters and motorized bicycles that have engines that do not exceed 150 cc piston displacement or 5-brake horsepower. Excluded from this definition are motorized skateboards.

Moped: A vehicle equipped with 2 or 3 wheels, foot pedals for human propulsion, an automatic transmission, and a motor with a cylinder capacity that does not exceed 50 cc piston displacement or 2-brake horsepower. These vehicles are incapable of exceeding 30 mph on a level surface.

Note: If you have reviewed the above definitions and are still confused about your vehicle’s classification, be sure to contact the Wyoming Department of Transportation (DOT) at the following number: (307)-777-4375. They have trained representatives to help you get questions answered and things figured out.

Wyoming Motorcycle Insurance Requirements

If you are looking for an insurance policy, it helps to know the minimum amount necessary for a liability policy. If your policy fulfills the amounts below for bodily injuries and property damage, you can legally drive. It is important to keep in mind that your insurance provider may recommend increasing your coverage. Individuals that feel as though the amounts listed below do not provide adequate protection may want to increase their protection limits.

Minimum Liability Insurance

  • $25,000 bodily injury per person

  • $50,000 bodily injury per accident

  • $20,000 property damage per accident

The above coverage is often abbreviated as a “25/50/20” policy – each of the numbers represents the amount of financial protection necessary to satisfy the state’s minimum requirements. If you decide to get the minimum amount of protection on a policy, you can legally drive. However, it is important to realize that if accident damages exceed your coverage limits, you will end up paying the extra amount from your own personal savings.

Wyoming Motorcycle Laws: Safety & Licensing Requirements

As you may already know, each state has specific laws and rules that must be followed by motorcyclists. You should know and be able to follow all safety rules concerning usage of helmets, eye protection, and headlights. You should also obtain the necessary licensing required to operate a your motorcycle in this state. If you are unfamiliar with the safety laws, read below for a brief overview.

  • Helmets: All individuals under 18 years of age are required to wear helmets. All helmets must be in compliance with Wyoming DOT standards.
  • Eye Protection: Although not required by law, it is highly recommended that you use eye protection while operating a motorcycle.
  • Headlights: Motorcyclists are required to use their headlights during the daytime.
  • License: To legally operate a motorcycle, you must first obtain a Class M license or Motorcycle Endorsement on your driver’s license. You can obtain the proper licensing by passing a knowledge-based test, followed by a driving test with the Dept. of Transportation. If you have already completed a Basic Rider Course with the Motorcycle Safety Foundation, you will likely be able to waive testing and obtain your license.

Proof of Insurance / Financial Responsibility in WY

While driving, you must always carry proof of insurance. Depending on your preferred method of establishing financial responsibility, forms of proof are subject to variation. In general, most drivers will either provide an insurance identification card, or a certificate (for a bond or cash deposit). If you do not have proof of coverage, you will be subject to legal consequences.

  • Insurance ID: Your insurance provider will give you an insurance identification card and instruct you to keep this with you at all times while operating your motorcycle.
  • Certificate: If you went the route of a bond or cash deposit, you should receive an official certificate. Keep this with you as proof that you meet the financial responsibility laws.

In addition to having physical proof of insurance while driving, the state also keeps electronic records of vehicles that have been insured. Most states have an electronic insurance verification system that is used to keep tabs on coverage. Upon purchasing an insurance policy, your provider will send a memo to the state with your coverage information; this will be kept on file.

Penalties for Driving Without Insurance in WY

Everyone that is caught operating a motor vehicle without insurance will be penalized. Penalties will range in terms of severity depending on how many offenses you have committed for driving without insurance. This is a very serious offense in the state of Wyoming – various penalties are listed below.

  • Fine: You will be automatically be issued a fine for driving without proof of insurance.
  • Jail: Drivers that have committed multiple offenses may have to serve jail time.
  • Suspended License: Your driver’s license and plates will be confiscated for a suspension period. You will not be able to drive until this period has been served.
  • Suspended Registration: The registration for your motorcycle will be suspended until you have a valid insurance policy.
  • SR22: You will need to provide the state with evidence that you have a valid insurance policy. An SR-22 allows the state to keep track of your insurance coverage. If your policy is not renewed or lapses, the state will know about it.

Note: All of these penalties can be avoided by obtaining valid insurance coverage and renewing it upon expiration.

Wyoming Motorcycle Insurance Companies

There are plenty of motorcycle insurance providers to choose from in the state of Wyoming. When shopping for a policy, it’s a good idea to conduct a basic company comparison. Your goal should be to compare prices with coverage and find one company in your city that is offering the most protection for your money. To help you with your search, you can use the free form below (or at the top of the page) to enter your Zip Code. This will allow you to see the top-rated insurers in your location.

It will be up to you to fill out some forms and collect free quotes. It may take a few hours to collect quotes from each company and compare various amounts of coverage. When you have finally compared the amount of coverage you will be getting with the rates that you were quoted, you can choose a company to work with for your policy. After you have obtained a policy, you will be free to cruise through the Cowboy State!

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