Wyoming Golf Cart Insurance (2026)
Golf cart insurance requirements in Wyoming, including $25,000/$50,000/$20,000 minimum liability and $80–$210/year average cost.
Key Facts
Wyoming Golf Cart Insurance Map
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Overview
Wyoming requires liability insurance for all motor vehicles operated on public roads, including golf carts registered as low-speed vehicles (LSVs). The state minimum liability coverage is 25/50/20. Wyoming's low population density and rural character contribute to some of the most affordable auto insurance rates in the nation.
Golf cart use in Wyoming is very limited, primarily concentrated in resort communities and some smaller towns during summer months. Communities near Jackson Hole, Cody, and Thermopolis may see some golf cart usage. Wyoming's harsh winters, high altitude, and wide-open landscapes mean that golf carts are practical only in specific settings and for limited periods of the year.
Wyoming has one of the smallest insurance markets in the country due to its small population (the least populated state). Mountain West Farm Bureau is a prominent regional carrier, and national carriers provide additional options. The state's affordable cost of living and low traffic density keep insurance rates very low.
Wyoming-Specific Notes
- Most Affordable: Wyoming has some of the lowest auto insurance rates in the nation due to low population density and minimal traffic.
- Mountain West Farm Bureau: A regional carrier serving Wyoming with competitive rates for rural residents.
- Very Limited Use: Wyoming's harsh climate, high altitude, and vast distances severely limit practical golf cart use.
- Short Season: Golf cart use is primarily limited to June through September in most of the state.
- Jackson Hole Area: The Jackson/Teton Village area may see limited resort-related golf cart use.
- No State Income Tax: Wyoming has no state income tax, contributing to a low overall cost of living.
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Frequently Asked Questions
Common questions about golf cart insurance in Wyoming.
Do I need insurance for my golf cart in Wyoming?
Yes, if your golf cart is registered as an LSV for use on public roads. Wyoming requires liability insurance with minimums of 25/50/20 for all registered motor vehicles. Golf carts used only on ranches, private property, or resort grounds are not subject to state insurance requirements.
How much does golf cart insurance cost in Wyoming?
Golf cart insurance in Wyoming typically costs between $80 and $210 per year for basic liability coverage, making it one of the most affordable states in the nation. Full coverage may run $185-$350 annually. Wyoming low population and minimal traffic keep rates very low.
What does golf cart insurance cover in Wyoming?
Golf cart insurance in Wyoming covers bodily injury liability, property damage liability, and optional coverages like comprehensive (wildlife damage, hail, winter storage, theft), collision, medical payments, and uninsured motorist coverage. Comprehensive coverage is recommended to protect against Wyoming severe weather and potential wildlife encounters.
Is a golf cart practical in Wyoming?
Golf carts have very limited practical use in Wyoming due to harsh winters, high altitude (which reduces battery range), vast distances between destinations, and high-speed rural roads. They are most practical in small-town settings, resort communities, and campgrounds during summer months. If you do use a golf cart on public roads, it must be registered as an LSV and insured.
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