Car Insurance Driving Record
Get a Quote
A two-lane paved road curves through sagebrush flats toward a jagged, partly snow-dusted mountain range lit by low sun under orange-tinted clouds, with a large shrub in the right foreground.

Wyoming SR-22 & High-Risk Auto Insurance

Wyoming requires 25/50/20 liability coverage and is an at-fault state.

Get Quotes Based on Your Record

Wyoming at a Glance

25/50/20

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

No

A defensive driving course does not remove points here

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Wyoming

Drivers with DUI convictions, at-fault uninsured accidents, repeated violations, or license suspensions typically must file SR-22 proof of financial responsibility with the Wyoming Department of Transportation for 3 years. High-risk drivers often need coverage beyond state minimums to access non-standard carrier markets and avoid out-of-pocket exposure after another incident.

Liability Insurance

Wyoming law requires 25/50/20 liability minimums, but these limits are low for drivers with SR-22 requirements. Non-standard carriers in Wyoming often require 50/100/50 or higher limits to write high-risk policies, and higher limits reduce exposure if another violation occurs during the SR-22 period.

SR-22 Insurance

SR-22 is not a separate insurance policy — it is a state-mandated filing your insurer submits to the Wyoming Department of Transportation proving you carry at least minimum liability coverage. Not all insurers offer SR-22 filing; drivers typically work with non-standard carriers experienced in high-risk profiles to maintain continuous proof during the 3-year requirement period.

Full Coverage

Full coverage — liability plus collision and comprehensive — is not required by Wyoming law but is mandatory if you finance or lease a vehicle.

Uninsured Motorist Coverage

Wyoming insurers must offer uninsured and underinsured motorist coverage, though drivers can reject it in writing.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk drivers who cannot access standard market rates due to DUIs, suspensions, or multiple violations. Non-standard insurers may require higher liability limits, larger down payments, and monthly payment plans, but they provide the coverage needed to reinstate a license and fulfill SR-22 filing obligations.

What Drivers Pay in Wyoming

$165–$236/mo

Typical monthly rate in Wyoming, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Time since violation — rates begin to decrease 12–24 months after SR-22 filing if no new incidents occur
  • Location within Wyoming — Cheyenne and Casper have higher premiums than rural counties due to traffic density and claim frequency
  • Number of violations — a second DUI or combination of DUI and at-fault accident can double premiums compared to a single offense
A man in a black cap, dark jacket and jeans with brown boots leans against the front of a dark pickup truck on gravel ground, with distant hills and a bright hazy sky behind.

Get a Rate That Matches Your Record Today

Get Quotes Based on Your Record

Coverage Types

Liability Insurance

Covers injury and property damage you cause to others. Required by law and by SR-22 filing.

SR-22 Filing

State-mandated proof of financial responsibility filed by your insurer with the Wyoming Department of Transportation.

Full Coverage

Liability, collision, and comprehensive combined. Protects your vehicle and others.

Uninsured Motorist Coverage

Covers your injuries and damage if hit by a driver without insurance.

Non-Standard Auto Insurance

Policies from carriers specializing in high-risk drivers with DUIs, suspensions, or SR-22 requirements.

Collision Coverage

Pays to repair or replace your vehicle after an at-fault or single-vehicle accident.

Find Your City in Wyoming

Cheyenne

suburban

Casper

suburban

Laramie

urban

Gillette

urban

Rock Springs

urban