Wyoming · state requirements

Commercial auto insurance in Wyoming

For Wyoming businesses running pickups, vans, hot shot rigs and trucks: state minimums, WYDOT filings for hauling for pay, penalties and what coverage costs.

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What similar businesses pay

For-hire transport truck: About $926 a month
For-hire specialty truck: About $734 a month
Fine for driving uninsured: $500–$1,500

Published benchmarks, not quotes. Your price depends on underwriting.

Cost

What commercial auto insurance in Wyoming costs

About $926 a month

For-hire transport truck

Progressive Commercial national average, 2025

About $734 a month

For-hire specialty truck

Progressive Commercial national average for trucks such as gravel haulers, 2025

$500–$1,500

Fine for driving uninsured

W.S. 31-4-103(a), 2025 Wyoming Statutes

$50 application fee

WYDOT operating authority

WYDOT Operating Authority Manual, revised December 2020

These premium figures are national averages, not Wyoming data. Progressive’s 2025 averages are about $926 a month for for-hire transport trucks and $734 for specialty trucks such as gravel haulers; a pickup or van on service calls usually costs well below either. In Wyoming the bigger swing is the limit you must carry: 25/50/20 for an ordinary business vehicle, but $750,000 on file with WYDOT once you haul goods or passengers for pay in-state. Your price also depends on the vehicle, what you haul, how far you run and each driver’s record.

What moves your price

Whether you haul others’ goods or passengers for pay, which brings the $750,000 Form E floor
What you haul: oilfield equipment, livestock and machinery need a cargo filing; dirt, sand and logs do not
Vehicle type and weight, from service pickups to trucks over 26,000 pounds
Garaging location and whether vehicles run into other states or Canada
Each driver’s record and experience
The liability and motorist limits you choose above 25/50/20

Wyoming

What’s different in Wyoming

25/50/20 leaves $20,000 for the damage you cause

W.S. 31-9-405 sets the floor at $25,000 per injured person, $50,000 per accident and $20,000 for property damage, for each vehicle. One crash into a newer pickup or loaded trailer can use up $20,000, and anything above your limit becomes a claim against your business.

Uninsured motorist cover stays on unless you reject it

W.S. 31-10-101 puts uninsured motorist cover on every policy for a vehicle registered or principally garaged in Wyoming unless the named insured rejects it. Once you reject it, the same insurer need not add it back at renewal unless you ask in writing, so a rejection signed years ago can still apply.

Business policies are not in WYDOT’s online check

WYDOT’s insurance verification program covers personal lines only; vehicles on a commercial policy are exempt. The card in the cab is your proof: under W.S. 31-4-103, showing a valid insurance card counts as compliance, and a driver who cannot show proof has 7 days to produce it.

The owner is charged for letting an uninsured vehicle run

W.S. 31-4-103 bars an owner from operating or permitting the operation of an uninsured vehicle. It is a misdemeanor: a $500 to $1,500 fine, up to 6 months in jail or both. A second offense means surrendering the plates and registration, and a conviction brings 3 years of proof filings, with a license suspension if they are not filed within 30 days.

Hauling for pay in-state needs a $750,000 Form E

Carrying other people’s goods or passengers for pay inside Wyoming, at any weight, makes you a contract carrier under WYDOT’s rules. Your insurer must file a Form E for a $750,000 combined single limit before authority is issued; WYDOT lists hot shot, towing, taxi and hunting guide work as examples.

No cap on injury damages, and a 50% fault bar

Wyoming’s constitution bars laws that limit damages for injury or death, so a serious crash claim has no statutory ceiling. Under W.S. 1-1-109, a claimant more than 50% at fault recovers nothing, and one at 50% or less has the award cut by their share. Injury and property damage suits can generally be filed for 4 years.

Coverage

Coverage Wyoming businesses need

Commercial auto liability

Pays for injuries and property damage your vehicles cause to others. Buy well above 25/50/20; a for-hire operation needs at least a $750,000 combined single limit on its WYDOT Form E.

How commercial auto works →

Uninsured motorist

Pays for your driver’s and passengers’ injuries when an at-fault driver has no insurance. It comes with the policy, at no less than 25/50, unless you reject it under W.S. 31-10-101.

How commercial auto works →

Underinsured motorist

Not required in Wyoming: the state Supreme Court held in Broderick v. Dairyland (2012) that the uninsured motorist statute is silent on underinsured cover. Add it if you want protection when the other driver’s limits run out.

How commercial auto works →

Physical damage

Collision and comprehensive for your own vehicles; liability pays only for others’ losses. Lenders usually require it on financed vehicles.

How commercial auto works →

Motor truck cargo

Pays for the load. WYDOT requires a $10,000 Form H cargo filing from contract carriers hauling goods of appreciable value, such as oilfield equipment, livestock, machinery and household goods.

Hired and non-owned auto

Covers your business when employees drive their own cars or rentals for work, which a policy listing only owned vehicles leaves out.

How commercial auto works →

Umbrella or excess

Adds limits above your auto liability when a customer asks for $1 million or more.

How umbrella / excess works →

Rules

Wyoming requirements

Wyoming sets one liability floor for every registered vehicle and adds WYDOT filings for anyone hauling goods or passengers for pay in-state. Interstate for-hire carriers also face federal minimums under 49 CFR Part 387.

Requirement	Applies to	What it means
Minimum liability	Owners of every vehicle registered in Wyoming	25/50/20 for each vehicle, applying in the US and Canada, under W.S. 31-9-405(b).
Uninsured motorist	Policies on vehicles registered or principally garaged in Wyoming	Included at no less than 25/50 unless the named insured rejects it, under W.S. 31-10-101. Underinsured cover is optional.
Proof of insurance	Drivers at traffic stops and inspections	A valid insurance card is proof; without it the driver has 7 days to produce proof, under W.S. 31-4-103(b). Commercial policies are outside WYDOT’s online verification.
Penalty for no insurance	Owners who drive or permit driving of an uninsured vehicle	Misdemeanor: $500–$1,500 fine, up to 6 months in jail or both; plates and registration surrendered on a second offense, under W.S. 31-4-103(a).
Contract carrier authority	Hauling others’ property or passengers for pay in-state, any weight	WYDOT operating authority, a $50 fee and a $750,000 Form E filed by the insurer; certificates of insurance are not accepted, per WYDOT’s Operating Authority Manual.
Cargo filing	Contract carriers hauling goods of appreciable value	Form H for $10,000; mobile home movers also file a $5,000 MC61E. Loads such as dirt, sand, gravel and logs need no cargo filing, per WYDOT.
Private carrier authority	Businesses hauling their own goods in-state in vehicles over 26,000 lb	WYDOT operating authority, a USDOT number and a $50 fee, but no insurance filing; the 25/50/20 floor still applies.
Filing cancellation	Contract carriers	The insurer gives WYDOT 30 days’ notice on Form K. A new filing must arrive before the cancellation date, or authority is revoked and you reapply with a new $50 fee.
Apportioned vehicles	Commercial vehicles registered in Wyoming and another jurisdiction	Exempt from the Wyoming mandate if insured under a policy that meets the other jurisdiction’s law, under W.S. 31-4-103(d)(iv).

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Pay less

How to lower the cost

Have your insurer file the Form E in your exact legal name, matching your USDOT record; WYDOT does not count a filing made under any other name.
Replace a cancelled policy before the Form K date: a lapse revokes WYDOT authority and means a new application and another $50 fee.
If you haul only loads with no appreciable salvage value, such as dirt, sand, gravel or logs, WYDOT requires no Form H, so size cargo cover to what you actually carry.
Raise physical damage deductibles on older vehicles you could afford to repair.
Check each driver’s motor vehicle record at hire and every year.
Compare several quotes at renewal; Florin is an independent broker that compares options from several insurers.

Before you start

What underwriters ask for

USDOT number and WYDOT operating authority letter, if you have them
Whether you haul your own goods or others’ for pay, and what you haul
Vehicle list with VINs, gross vehicle weights, values and any lienholder
Garaging addresses and how far vehicles run, including other states or Canada
Driver list with license numbers, dates of birth and years of experience
Loss runs from your current and prior insurers
The limits your customers or contracts require on certificates
Whether you want uninsured and underinsured motorist cover, and any past rejection

Common questions

Commercial auto insurance in Wyoming: questions

Does Wyoming require PIP or no-fault coverage?

No. Wyoming is an at-fault state, so the driver who causes a crash pays through liability coverage; medical payments cover is optional.

Is underinsured motorist coverage required in Wyoming?

No. The Wyoming Supreme Court held in Broderick v. Dairyland (2012) that the uninsured motorist statute does not reach underinsured drivers, so UIM is cover you add by choice.

Do I need WYDOT authority for a hot shot pickup that stays in Wyoming?

Yes, if you haul other people’s property for pay. WYDOT requires contract carriers of any weight to hold operating authority with a $750,000 Form E, and hot shot freight also needs a $10,000 Form H.

Do farmers and ranchers need WYDOT operating authority?

Generally not when hauling produce or commodities they own or are exchanging with other farmers or ranchers, according to WYDOT’s manual. The 25/50/20 floor still applies to every registered vehicle.

Is Wyoming part of the Unified Carrier Registration program?

No. WYDOT notes that Wyoming is not a UCR member, so Wyoming-based interstate carriers register through a member state.

How long does someone have to sue after a crash in Wyoming?

Generally 4 years for injury and property damage claims under W.S. 1-3-105, and 2 years for wrongful death under W.S. 1-38-102.

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Sources (9)

Figures are published third-party estimates, not quotes. Coverage depends on policy terms and underwriting, and rules vary by state. Updated November 2026.