Updated April 2026
Minimum Coverage Requirements in Wyoming
Wyoming requires minimum liability coverage of 25/50/20 — $25,000 per person for bodily injury, $50,000 per accident, and $20,000 for property damage. 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.
How Much Does Car Insurance Cost in Wyoming?
High-risk auto insurance premiums in Wyoming vary widely based on violation type, age, location, and driving history. Drivers with a single DUI typically pay $220–$400/mo, while those with multiple violations or a combination of DUI and at-fault accidents can exceed $450/mo. Wyoming's rural roads and lower population density result in fewer accidents than urban states, but high-risk drivers still face significant rate increases due to non-standard carrier underwriting and SR-22 filing requirements.
What Affects Your Rate
- Violation type and severity — DUI increases premiums 80–150%, while reckless driving adds 40–90%
- Time since violation — rates begin to decrease 12–24 months after SR-22 filing if no new incidents occur
- Age and experience — drivers under 25 with high-risk violations pay 20–40% more than older drivers with similar records
- Location within Wyoming — Cheyenne and Casper have higher premiums than rural counties due to traffic density and claim frequency
- Coverage level and deductible — choosing a $1,000 deductible over $500 can reduce full coverage premiums by 10–15%
- Number of violations — a second DUI or combination of DUI and at-fault accident can double premiums compared to a single offense
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Sources
- Wyoming Department of Transportation — Driver Services and SR-22 Requirements
- Wyoming Insurance Department — Minimum Coverage and Financial Responsibility
- Insurance industry data on high-risk premiums and non-standard carrier rates