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Wyoming SR-22 & High-Risk Auto Insurance

Wyoming requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. The filing typically lasts 3 years and costs $15–$35, but high-risk premiums average $200–$400/mo depending on violation type and driving history.

Wyoming cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Wyoming

Wyoming mandates minimum liability coverage of 25/50/20: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. Drivers with DUIs, suspended licenses, uninsured accidents, or repeated violations typically must file SR-22 proof of insurance with the Wyoming Department of Transportation for 3 years. State law does not require uninsured motorist coverage, but approximately 14% of Wyoming drivers are uninsured—among the highest rates in the nation—making UM/UIM coverage critical for high-risk drivers vulnerable to rate spikes from another at-fault accident.

How Much Does Car Insurance Cost in Wyoming?

High-risk auto insurance in Wyoming costs significantly more than standard coverage due to DUI convictions, SR-22 filings, license suspensions, and at-fault accidents. Premiums vary by violation type, with DUI adding the highest surcharge—often 80–150% above standard rates. Drivers with SR-22 requirements should expect to pay $200–$400/mo for minimum liability coverage, with full coverage pushing premiums to $300–$500/mo or higher.

Minimum Liability
Covers Wyoming's 25/50/20 minimums with SR-22 filing. Best for drivers without financed vehicles who need the lowest legal coverage to maintain license reinstatement.
Enhanced Liability
Increases liability limits to 50/100/50 or 100/300/100 and typically includes UM/UIM coverage. Recommended for high-risk drivers with assets to protect or prior at-fault accidents.
Full Coverage
Includes comprehensive and collision coverage with liability and UM/UIM. Required for financed or leased vehicles and essential for high-risk drivers who cannot afford out-of-pocket vehicle replacement costs.

What Affects Your Rate

  • Type of violation: DUI convictions increase premiums 80–150%, while speeding or at-fault accidents add 20–50%
  • SR-22 filing requirement: adds $15–$35 filing cost plus high-risk classification surcharge
  • Length of time since violation: rates begin to decline 3–5 years after violation date with clean driving
  • Number of violations: multiple incidents within 3 years can push drivers into assigned risk pools with premiums exceeding $500/mo
  • Vehicle type and value: full coverage on newer vehicles compounds high-risk surcharges significantly
  • ZIP code and local uninsured rates: Wyoming's 14% uninsured driver rate elevates UM/UIM costs statewide

Compare Auto Insurance Rates in Wyoming

Find Your City in Wyoming

Cheyenne, Wyoming cityscape and street view

Cheyenne

suburban
Casper, Wyoming cityscape and street view

Casper

suburban
Downtown Texarkana wooden sign in snow with blue staircase structure behind it

Laramie

urban
Large pile of scattered trash and debris in remote landscape with mountains and cloudy sky in background

Gillette

urban
Steam rising from geothermal ground with evergreen forest and cloudy sky in background

Rock Springs

urban

Sources

  • Wyoming Department of Transportation – Driver Services Division
  • Wyoming Statutes Title 31 (Motor Vehicles) – Financial Responsibility Requirements
  • Insurance Research Council – Uninsured Motorists Study

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