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.
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 rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. Wyoming's 25/50/20 minimums are the legal floor, but high-risk drivers should consider 50/100/50 or higher to avoid personal asset exposure after another at-fault accident.
Full Coverage
Combines liability, comprehensive, and collision coverage. Required by lenders if you finance or lease a vehicle, and essential for high-risk drivers who cannot afford to replace a totaled vehicle out-of-pocket.
SR-22 Insurance
A certificate filed by your insurer proving you carry minimum liability coverage. Required for DUI, suspended license, uninsured accidents, and court orders in Wyoming.
Non-Standard Auto Insurance
Specialty coverage for drivers with DUI, suspensions, multiple violations, or SR-22 requirements. Non-standard carriers accept high-risk profiles that standard insurers decline.
Uninsured/Underinsured Motorist Coverage
Protects you when an at-fault driver lacks adequate insurance. Not required in Wyoming, but highly recommended given the state's 14% uninsured driver rate.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of fault. Required by lenders and essential for high-risk drivers who cannot afford out-of-pocket replacement.
