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Wyoming Insurance Guide
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Insurance in Wyoming
Find comprehensive insurance information for Wyoming (WY) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the West region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Wyoming (WY) |
| Region | West |
| Population | ~577K residents |
| Health Marketplace | Healthcare.gov |
| Insurance Regulator | Wyoming Department of Insurance |
Health Insurance in Wyoming
Wyoming residents can find health coverage through:
- Healthcare.gov - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Wyoming
Wyoming has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Wyoming
Protect your home with coverage tailored to Wyoming’s specific risks and requirements.
Life Insurance in Wyoming
Find life insurance options available to Wyoming residents to protect your family’s financial future.
How Wyoming Compares
Understanding how Wyoming stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Wyoming | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,178 | $1,935 | -39% (below average) |
| Health Insurance (monthly) | $867 | $477 | +82% (among the highest) |
| Home Insurance (annual) | $1,267 | $2,377 | -47% (below average) |
| Uninsured Rate | 12.9% | 9.5% | +36% (among the worst) |
Key Insights
- Health insurance benchmark premiums rank #50 highest. Premium tax credits can significantly reduce costs for eligible residents.
- The uninsured rate is among the highest in the country (#46). Marketplace plans with subsidies can help close this gap.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Wyoming Department of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Healthcare.gov - Wyoming (opens in new tab) - Federal health insurance marketplace for Wyoming
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Wyoming address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Wyoming Department of Insurance
- Phone
- 307-777-7401
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Wyoming?
Wyoming requires minimum liability coverage of 25/50/20: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. Uninsured motorist coverage is not required but is recommended.
How do I get health insurance in Wyoming?
Wyoming uses the federal marketplace at Healthcare.gov. Open enrollment runs November through January. Wyoming has not expanded Medicaid, so marketplace plans with premium tax credits are important for coverage, though options may be limited in rural areas.
Does Wyoming homeowners insurance cover hail damage?
Yes, standard homeowners insurance covers hail damage in Wyoming. Wyoming experiences frequent severe thunderstorms with damaging hail. Understand your wind/hail deductible, which may be percentage-based in high-risk areas.
Is wildfire coverage included in Wyoming homeowners insurance?
Yes, standard homeowners insurance typically covers wildfire damage in Wyoming. However, properties in high-risk wildfire areas may face higher premiums or coverage restrictions. Creating defensible space around your home can help with insurability.
What is the average cost of car insurance in Wyoming?
Wyoming drivers pay approximately $1,100-$1,300 per year for full coverage auto insurance, which is below the national average. Cheyenne and Casper have slightly higher rates than very rural areas, though the state overall has low rates due to low population density.
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[wyoming] Insurance Types
Compare insurance options available to [wyoming] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
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