Wyoming motorcycle insurance

Illustration of Old Faithful at Yellowstone National Park in WyomingIllustration of Old Faithful at Yellowstone National Park in Wyoming

Wyoming’s national parks, towering mountain peaks, and endless highways will satisfy your adventurous rider’s spirit. Before your next ride, secure a motorcycle insurance policy and get to know the state’s riding laws.

What’s required of all motorcycle riders in Wyoming?

To legally operate a motorcycle in Wyoming, you must be at least 16 years old and have a valid Class M driver's license or any valid driver's license that includes the "M" classification. Here are some additional laws from the state’s Rules of the Road for Motorcyclists guide:

  • Helmets: Riders and passengers under 18 years old are required to wear DOT-certified helmets.

  • Headlights: Turn your headlights on whenever you ride, even during daylight hours.

  • Passengers: To legally carry passengers, your motorcycle must have a dedicated passenger seat and footrest.

  • Lane splitting: Lane splitting is illegal in Wyoming. Motorcycle riders are entitled to the full width of a lane.

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What are the motorcycle insurance requirements in Wyoming?

In Wyoming, you’re required to establish financial responsibility before registering your motorcycle. There are three ways you can do this:

  • Buy motorcycle insurance that covers bodily injury and property damage liability

  • Deposit money or security bonds with the Wyoming state treasurer

  • Secure a bond with a licensed surety company in Wyoming

The easiest and least expensive way is to buy a motorcycle insurance policy. The state law requires that insurance companies provide the following minimum motorcycle insurance coverage limits:

  • $25,000 for bodily injury liability of one person 

  • $50,000 for bodily injury liability sustained by two or more people

  • $20,000 for third party property damage 

Keep in mind that these are only the minimum required coverage limits. To help protect yourself if you’re at-fault in an accident and the associated costs exceed those limits, consider purchasing higher limits.

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Ready to insure your ride?

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Does Wyoming have any optional motorcycle insurance coverage?

Yes—and depending on your circumstances, these optional coverages can provide significant value. After all, the required coverages above can keep you on the right side of the law, but they don’t actually protect you or your bike if you’re involved in an accident. Here are a few optional coverages that can:

Uninsured motorist (UM)

According to the Insurance Information Institute, roughly one in eight U.S. drivers is uninsured. If you’re involved in an accident with an uninsured driver and they’re at fault, you may be left paying for your own damaged motorcycle. Adding UM coverage to your policy can also help protect you when:

  • The driver’s insurer denies coverage

  • The driver is insolvent and unable to pay for the damages

  • The accident is a hit-and-run and you don’t have the offender’s information

Note: Insurance providers in Wyoming are required to provide this coverage, but you can reject it in writing.

Medical payments

Medical payments coverage can help pay for your medical bills—and, in a worst-case scenario, funeral expenses—if you’re involved in an accident. And with hospital visits unlikely to become less expensive any time soon, this optional coverage could pay for itself with a single visit.


If you collide with something while riding—or even if your bike just tips over while parked—collision coverage can help you pay for repairs.


Comprehensive coverage can help reimburse you for repairs if your motorcycle is damaged by something other than a collision—for example, vandalism, theft, wind or hail damage, or animal encounters.

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Insuring your bike shouldn't be complicated

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How to get a motorcycle insurance quote

Insurance quotes are quick and free. You’ll just need to:

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Have your bike’s year, make, model, and vehicle identification number (VIN) on hand.

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Answer some additional questions about your bike (e.g. customizations, where it’s kept, whether you’ve taken a rider safety course, etc.).

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Select the coverages you want.

Wyoming motorcycle insurance discounts

To help you get the most value out of your motorcycle insurance policy, we offer a range of motorcycle insurance discounts. Here are a few of the discounts available to Wyoming riders—give us a call to see how many you could qualify for.

  • Homeownership

  • Harley Owners Group (H.O.G.) member

  • Multi-vehicle

  • Loyalty

  • Rider group

  • Transfer

  • Operator safety course

Sites to see in Wyoming

Wyoming is home to Yellowstone National Park, Grand Teton National Park, and countless other natural wonders. Here are a few more must-see stops and motorcycle routes to build your motorcycle adventure around: 

Chief Joseph Scenic Byway

Chief Joseph Scenic Byway—a 47-mile stretch of Wyoming 296 named after a famous chief of the Nez Perce Tribe—features several signs detailing local Native American history. As you ride, you’ll also enjoy spectacular views of the North Absaroka Mountains and the Clarks Fork of the Yellowstone River.

Beartooth Pass

The 69-mile Beartooth Highway—a section of U.S. Highway 212—straddles the border of Wyoming and Montana. In Wyoming, you’ll ride a dizzying 10,964 feet before you reach the Beartooth Pass summit, which offers panoramic views of the Beartooth Mountains, glacial lakes, and wild forests below. The road is usually closed during winter, and the summit even gets nice and chilly in summer, so be sure to pack your cold-weather motorcycle gear. 

Bighorn Scenic Byway

Bighorn Scenic Byway offers you amazing views of lush forests, meadows, and colorful rock formations as it snakes its way through Bighorn National Forest. The highlight of the ride is the spectacular Shell Falls in Shell Canyon. Watch for wildlife such as moose and elk on your way up.

Wyoming’s trails are calling your name. Bundle your motorcycle and ATV insurance and save.

Get a motorcycle quote in Wyoming

Be sure to secure a motorcycle insurance policy before you explore Wyoming. Request a quote online by entering your ZIP code below or call 866-324-7952.

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