Teen Driver Insurance in Wyoming: Parents' Guide
Wyoming requires 25/50/20 liability coverage and is an at-fault state.
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Wyoming at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
15
Minimum learner's permit age, 50 supervised driving hours
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Teen drivers in Wyoming follow a three-stage graduated licensing system: learner's permit at age 15 (50 supervised driving hours required), intermediate license at 16 (no more than one non-family passenger under 18 for the first six months, driving curfew 11 p.m.–5 a.m.), and unrestricted license at 17 after completing six months on the intermediate license. Wyoming law (W.S. 26-24-101) mandates that all insurers doing business in the state must offer a good student discount to drivers under age 25 who maintain at least a B average or equivalent GPA—making this one of the most important cost-reduction tools available to parents adding a teen driver.
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$145–$348/mo
Typical monthly rate in Wyoming, adding a driver aged 16–19 to a parent's policy
Rate data: Insurify and ValuePenguin, 2025
What Affects Your Rate
- Teens willing to accept monitoring can significantly reduce their first-year premiums.
- Wyoming does not mandate driver's ed for licensing, but the insurance discount often justifies the course cost within the first year.
- Add-to-parent vs. separate policy: In nearly all cases, adding a teen to a parent's existing policy costs significantly less than the teen purchasing a standalone policy.
- Graduated licensing stage: During the learner's permit phase, teens are typically covered under the parent's policy at no additional cost or a minimal increase, as they must always drive with a licensed adult. Premium increases take effect when the teen receives an intermediate license and begins driving independently.
Add Your Teen Without Doubling Your Bill
Compare Teen Driver RatesRules for new drivers
Night driving
11pm-5am
Passengers
no more than 1 passenger younger than 18
Source: IIHS and state DMV records, verified July 2026
Frequently Asked Questions
What are Wyoming's graduated licensing rules and how do they affect insurance?
Wyoming teens must hold a learner's permit for at least 10 days and complete 50 hours of supervised driving (10 at night) before applying for an intermediate license at age 16. The intermediate license restricts passengers (no more than one non-family passenger under 18 for the first six months) and driving hours (curfew 11 p.m.–5 a.m.). After six months, restrictions ease, and at 17 the teen can apply for an unrestricted license. During the learner's permit phase, most insurers charge little or no premium increase, but rates jump significantly when the teen receives the intermediate license and begins driving independently.
Do I need to tell my insurance company when my teen gets a learner's permit?
Yes, you should notify your insurer when your teen gets a learner's permit, though most insurers charge little or no additional premium during this stage since your teen must always drive with a licensed adult. The significant premium increase occurs when your teen receives an intermediate license at 16 and begins driving independently. Failing to disclose a licensed teen driver can result in claim denials.
Coverage Types
Liability Insurance
The only coverage Wyoming legally requires. State minimums (25/50/20) are low, and most advisors recommend parents increase liability to 100/300/100 or higher when adding a teen driver to protect family assets.
Collision Coverage
Pays to repair your teen's vehicle after an at-fault accident. Essential if the car is financed or worth more than $5,000; often optional if your teen drives an older paid-off vehicle.
Comprehensive Coverage
Covers theft, vandalism, weather, and animal strikes. In Wyoming, where deer and other wildlife collisions are common on rural roads, comprehensive protects against risks a careful teen driver cannot avoid.
Uninsured/Underinsured Motorist
Protects your teen (and family) if they're hit by a driver with no insurance or insufficient coverage. Wyoming does not require this, but insurers must offer it.
Full Coverage Package
Liability, collision, and comprehensive bundled together. Required by lenders if your teen's vehicle is financed, and generally recommended if the car is worth more than $5,000.
Medical Payments Coverage
Pays medical expenses for you and your passengers after an accident, regardless of fault. Coverage limits typically range from $1,000 to $10,000.