Updated March 2026
State Requirements
Wyoming requires minimum liability coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. The state mandates SR-22 filing for drivers convicted of DUI, driving without insurance, repeat serious violations, or involvement in an at-fault accident without coverage. Drivers required to file SR-22 must maintain continuous coverage for 3 years or face license suspension and requirement period restart.
Cost Overview
High-risk auto insurance rates in Wyoming vary significantly based on violation type, with DUI convictions typically increasing premiums by 150–300% over standard rates. Wyoming's relatively low population density and rural driving conditions result in baseline rates below the national average, but high-risk drivers still face substantial increases. Rates typically decrease after 3–5 years as violations age off your record, with the most significant drops occurring after SR-22 filing requirements end and major violations reach the 3-year mark.
What Affects Your Rate
- Type of violation: DUI increases premiums 150–300%, while multiple speeding tickets increase rates 60–120%
- SR-22 filing requirement adds significant premium increase beyond the $15–$50 filing fee itself
- Time since violation: rates drop 20–40% as violations age past the 3-year mark
- Geographic location: Cheyenne and Casper high-risk rates run 15–25% higher than rural Wyoming due to accident frequency
- Prior insurance lapse duration: gaps over 30 days result in 40–60% higher rates than continuous coverage
- Available carriers: Wyoming's limited non-standard carrier market reduces competition and keeps high-risk rates elevated
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with Wyoming DOT, required for 3 years after DUI, uninsured accidents, or serious violations. The filing itself costs $15–$50, but the underlying high-risk policy drives the total premium increase.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUIs, multiple violations, or lapses who cannot qualify for standard carrier policies. Non-standard carriers accept higher-risk profiles but charge 150–300% more than standard rates and typically require 6–12 months claims-free before offering full coverage.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Wyoming minimums of 25/50/20 are low relative to average accident costs, leaving high-risk drivers vulnerable to lawsuits that can attach wages and property.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Not required in Wyoming but recommended given the state's 11% uninsured driver rate and limited availability of collision coverage for high-risk drivers.
Collision Coverage
Pays for your vehicle damage regardless of fault, but most non-standard carriers in Wyoming will not offer collision to drivers with recent DUIs or multiple at-fault accidents for the first 6–12 months. When available, deductibles range from $1,000–$2,500.
Comprehensive Coverage
Covers non-collision damage including theft, weather, vandalism, and animal strikes. More readily available to high-risk drivers than collision coverage since comprehensive claims do not indicate at-fault driving behavior.
