Does Wyoming set its own trucking insurance minimums?

Yes. Wyoming publishes its own financial-responsibility rules for intrastate carriers, and they are not a copy of the federal levels. Each figure the state publishes renders in the tables here with the official source beside it.

Do federal insurance minimums still apply to a Wyoming carrier?

Interstate operations file proof of coverage with FMCSA under 49 CFR Part 387 no matter which state the carrier is based in. The state rules on this page govern intrastate-only operations; the federal table shows the levels an interstate filing must meet.

What insurance does a new Wyoming carrier line up first?

Primary liability comes first: the state and federal filings both ride on an active liability policy. Cargo coverage follows where the state or your shippers require it, and physical damage on the truck is a lender requirement rather than a state rule.

Where do these figures come from?

Every dollar amount renders from the state agency publication or statute cited beside it, or from the federal regulation for the contrast table. When an agency publishes no figure, the field reads "Not confirmed" with a note on what the agency does say.

Wyoming Trucking Insurance Requirements (2026)

By Evan Reid, Founder of Haul Handbook · Updated Sep 27, 2026

What Wyoming requires

These are the state-level rules attached to Wyoming intrastate operating authority. A field reading "Not confirmed" means the agency publishes no figure; the note explains what the agency does say.

Liability minimum: From $750,000; the operation-type table below lists each class
Cargo minimum: $10,000 (Form H cargo of 10,000 dollars is required of contract carriers except those hauling raw agricultural products (other than livestock), sand (except in pneumatic trailers), rock, dirt, gravel, or other commodities with no appreciable salvage value. Carriers moving house trailers or mobile homes also file Form MC61E for 5,000 dollars of physical damage cover per unit.)
Differs from federal: Yes

Minimum liability by operation type

General freight is not the floor for every carrier; buy against the row that matches what you haul.

Wyoming minimum liability coverage by operation type
Operation type	Minimum liability
Contract (for-hire) motor carrier, any vehicle weight	$750,000

Scroll sideways to see every column.

Who files the proof of insurance

Your insurance company makes these filings with the state, not you. Ask for them by form name when you bind coverage.

Liability proof: Form E
Cargo proof: Form H (cargo); Form MC61E (house trailer or mobile home)
Cancellation: Form K

Filings are made by the insurer, filed continuous until cancelled, on no less than 30 days written notice (Form K). Wyoming is not an e-file state: filings are scanned and emailed to [email protected] or mailed. Wyoming does not accept ADCO or ACORD certificates, binders, abstracts or insurance ID cards for intrastate authority, and filings must carry the carrier's exact legal name as it appears on its USDOT record.

The federal minimums, for contrast

Cross a state line for hire and the federal financial-responsibility levels take over, filed with FMCSA by your insurer. The amounts below render from 49 CFR Part 387 (property carriers 387.303, brokers and freight forwarders 387.307, endorsements 387.15), as displayed on FMCSA's insurance filing requirements page; the filing mechanics live in our BMC-91 and BMC-34 insurance filings guide.

Federal minimum public liability levels by operation (49 CFR Part 387)
Operation	Vehicle	Liability minimum
For-hire property carrier, non-hazardous	GVWR under 10,001 lb	$300,000
For-hire property carrier, non-hazardous (general freight)	GVWR 10,001 lb or more	$750,000
For-hire carrier of certain hazardous materials	Any	$1,000,000
For-hire and private carriers of explosives, poison gas, or radioactive materials	Any	$5,000,000
For-hire carrier of household goods	GVWR 10,001 lb or more	$750,000
For-hire carrier of passengers	15 or fewer passengers	$1,500,000
For-hire carrier of passengers	16 or more passengers	$5,000,000
Broker of property or household goods	None	None
Freight forwarder of property	None	None
Freight forwarder of household goods	None	None

Scroll sideways to see every column.

Where insurance fits in the Wyoming launch

Coverage sits early in the sequence: the federal filing sequence needs your insurer's proof of coverage on file before authority activates, and the state rules above attach to the credential covered on the Wyoming intrastate authority page. For the full order of operations, work through start a trucking company in Wyoming.