Wyoming Motorcycle Insurance

Cowboy State Coverage

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Wyoming requires that all riders be able to show proof of financial responsibility upon request. The least expensive way to maintain the required proof is by carrying a Wyoming-approved motorcycle insurance policy.

Two items complicate Wyoming motorcycle insurance issues. First, Wyoming is an ”at fault” state. The second is that Wyoming uses a comparative negligence system when assessing responsibility for an accident. The comparative negligence clause means that if you are found to be partially at fault, your ability to recover damages will be reduced by your ”percentage” of responsibility.

Wyoming Motorcycle Insurance Law

To most people it may seem obvious what a motorcycle is, but every state must clearly define one for the purposes of law enforcement and insurance. In Wyoming a motorcycle is defined as:

”Every motor vehicle having a seat or saddle for the use of the rider and designed to travel on not more than three (3) wheels in contact with the ground but which may have attached thereto a sidecar for the purpose of transporting a single passenger. For the purpose of registration and titling ‘motorcycle’ includes motorized bicycles and scooters, but excludes mopeds, motorized skateboards and off-road recreational vehicles.”

Whether you call it the Equality State or the Cowboy State, Wyoming offers a plethora of stunning rides. There are plenty of wide open stretches of highway to pound across and the congested streets of Cheyenne can make for an interesting ride. Whether you are in congested urban sprawl or wide open country, you and your bike must have certain equipment in order to be considered street legal in Wyoming. That equipment includes:

  • Eye protection: not required.
  • Handlebar height: handgrips must be below shoulder height.
  • Helmet: required for all riders and passengers under age 18.
  • Mirrors: only one is required.
  • Turn Signals: not required.
  • Passenger Seat/Footrest: both are required if carrying a passenger. No restrictions on a passenger’s age.
  • Headlight: required, modulating daytime headlight approved.
  • Muffler: required, but no acoustical limits set.
  • Safety Inspection: not required.

Wyoming Motorcycle Insurance Requirements

The legislature in Wyoming has established that the minimal motorcycle insurance limits are to be:

  • $25,000 for death or bodily injury to one person.
    $50,000 for death or bodily injury to two or more persons.
    $20,000 for damage or destruction of property.

The minimum coverage in Wyoming may not adequately cover an accident. If the caps fall short, you may have to fill in any gaps out-of-pocket. Then there is your bike to consider. That is why you should always carry additional coverage. You may want to consider the following coverages:

  • Collision coverage: this protection covers your bike in an accident under nearly every circumstance. It may or may not include uninsured/under-insured coverage.
  • Uninsured/Under-insured motorist coverage: at any given time nearly 9 percent of the motorists in Wyoming are uninsured. With so many uninsured motorists on the roads you can understand the need for this type of coverage. The under-insured aspect of the policy protects you in case the other driver is from a state with lower minimum requirements or the injuries exceed the policy caps of an at fault motorist.
  • Comprehensive coverage: this protection covers items like fire, wind, water, theft, and vandalism.
  • Bodily injury coverage: this protection covers certain costs if you injure or kill someone in an at-fault accident. It is important to remember that this coverage protects your passenger as well.

Wyoming Motorcycle Insurance Quotes

It’s nearly impossible to estimate the rates you’ll be required to pay without knowing a little of your bike, riding history, and prospected coverage. We have created an easy to use tool so that you can request quotes and compare policies on the web. All you need have to do is enter your rider and motorcycle information to receive quotes from trusted insurers in your area.

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