Motorcycle Insurance in Wyoming - Compare Quotes & Save
Riding across I-80, I-90, US-14/16/20 through Yellowstone, and the open highways of the Cowboy State demands coverage built for long distances, wildlife encounters, and variable mountain weather. We’ll set the right liability, UM/UIM, and MedPay, protect your bike with comprehensive & collision, and schedule accessories - all while unlocking real rider discounts.
Wyoming Requirements (What You Must Know)
Minimum Liability
Current Wyoming minimums are $25,000 per person / $50,000 per accident for bodily injury and $20,000 for property damage. We’ll quote higher limits that better fit Wyoming’s long rural roads and tourism traffic.
No PIP / MedPay Option
Wyoming is a fault state with no mandatory PIP. Add Medical Payments (MedPay) coverage to help pay medical bills quickly after a crash, especially important in areas far from major hospitals.
Helmet Law
Wyoming has no universal helmet law. Riders under age 18 must wear DOT-approved helmets. Eye protection is required unless the motorcycle is equipped with a windscreen.
Registration & Lane Splitting
All motorcycles must be titled and registered with the county treasurer. Lane splitting is not permitted in Wyoming. Annual safety inspections are not required.
This is a summary. Your policy controls. We’ll review carrier forms and endorsements with you before binding.
Build the Right Coverage for Wyoming Riding
Liability (BI/PD)
- Start at $100k/$300k or $250k/$500k BI on high-speed highways
- Property Damage: $50k-$100k recommended for rural routes
UM/UIM
- Match to your BI limits to protect you from underinsured drivers common in rural areas
- Stacking options vary by carrier
MedPay
- Helps with medical bills regardless of fault
- Popular limits: $5k-$25k
Comprehensive & Collision
- Wildlife strikes, hail, wind, theft, and crash damage
- Choose deductibles that fit your cash cushion
Custom Parts / Accessories
- Most policies include a small amount automatically (e.g., $1,000)
- Schedule added value for saddlebags, crash bars, windscreens, lighting, and touring seats
Roadside & Trip Interruption
- Towing, jumpstarts, flats - critical on remote Wyoming highways
- Hotel/meals after a covered breakdown or claim (carrier-specific)
Safety pays: ABS-equipped models show markedly lower fatal crash rates in national studies - many insurers offer an ABS discount.
Wyoming Riding Realities (and How We Insure Around Them)
- Open roads & high speeds: Long stretches with wildlife, weather changes, and tourism traffic - higher BI/PD and UM/UIM limits are strongly recommended.
- Wildlife & weather risk: Deer, elk, antelope strikes, hail, and sudden snow are common. Comprehensive coverage with lower deductibles and roadside assistance provide peace of mind.
- Seasonal & remote riding: Many riders store bikes in winter. Low annual mileage and garaging discounts can lower premiums significantly.
Getting Your Wyoming Motorcycle Endorsement
Course Path (Recommended)
- Enroll in an approved Basic RiderCourse (BRC)
- Pass the course; bring completion card to the DMV
- Add the M endorsement (often no road test needed)
Permit + Testing Path
- Get a motorcycle instruction permit (knowledge test)
- Practice under permit restrictions
- Take the DMV road test; add M endorsement
Bike Size & Restrictions
Testing on a very small-displacement bike can trigger a restriction. Completing an approved course typically removes this - ask us if you’re unsure.
See Why Customers Love Us
What Wyoming Riders Typically Choose
| Coverage | Common Choices | Notes |
|---|---|---|
| BI/PD Liability | $100k/$300k/$50k or $250k/$500k/$100k | Higher limits for rural roads & wildlife claims |
| UM/UIM | Match BI | Protects you from underinsured drivers |
| MedPay | $5k-$25k | Helps cover medical costs quickly in remote areas |
| Comp/Collision | $250-$1,000 deductibles | Lower if you ride in wildlife-heavy or hail-prone areas |
| Accessories | $3k-$10k+ | Document with photos & receipts for touring gear |
| Roadside | Included or add-on | Towing and trip interruption vital on long Wyoming highways |
Get a Fast Motorcycle Insurance Quote
Answer a few questions about your bike, riding habits, and gear. We’ll compare carriers side-by-side, match UM/UIM to your BI, and schedule accessories so you’re fully covered.
Get Your Motorcycle Insurance Quote in Wyoming
Prefer to talk? Call or text: 833-586-3264.
Motorcycle Insurance FAQ - Wyoming
Is lane splitting legal in Wyoming?
No. Lane splitting is not permitted in Wyoming. Riders may be cited under general traffic laws for unsafe lane changes or improper passing.
Does Wyoming require PIP on motorcycles?
No. Wyoming is a fault-based state with no no-fault PIP coverage. Adding MedPay is highly recommended for faster medical expense coverage.
What are the current Wyoming minimum motorcycle insurance limits?
25/50/20 - $25,000 per person / $50,000 per accident bodily injury and $20,000 property damage. We recommend carrying significantly higher limits.
Do I need a helmet in Wyoming?
Only riders under 18 are required to wear a DOT-approved helmet. Eye protection is required unless your motorcycle has a windscreen.
Do motorcycles require safety inspections in Wyoming?
No annual safety inspections are required. However, your motorcycle must be in safe operating condition and properly registered.
Will ABS lower my motorcycle insurance premium?
Many carriers offer discounts for ABS-equipped motorcycles. National studies also show significantly lower fatal crash rates for ABS bikes.
