Minimum Coverage Requirements in Wyoming
Wyoming requires minimum liability coverage of 25/50/20: $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage. SR-22 filing is typically required for DUI convictions, driving without insurance, license suspensions, and serious violations. Most drivers with standard point violations from speeding tickets or at-fault accidents do not need SR-22 but will see rate increases of 20–50% depending on severity. Wyoming uses a 12-point suspension threshold, with points remaining on your record for 1 year from the conviction date.
How Much Does Car Insurance Cost in Wyoming?
High-risk auto insurance premiums in Wyoming vary widely based on violation type, driver age, location, and coverage level. A driver with a single at-fault accident may see a 20–30% rate increase, while a DUI conviction with SR-22 filing can double or triple premiums. Wyoming's rural geography and lower population density typically keep base rates lower than urban states, but high-risk multipliers apply equally.
What Affects Your Rate
- Violation type: DUI convictions and uninsured accidents trigger the highest rate increases, often 100–200%, while single at-fault accidents or speeding tickets increase rates 20–50%.
- SR-22 filing requirement: The filing itself costs $15–$35, but the high-risk classification that requires SR-22 is what drives premiums up significantly.
- Points on license: Wyoming's point system suspends your license at 12 points within 12 months. Points fall off 1 year from conviction date, but insurance surcharges may last 3–5 years.
- Age and experience: Drivers under 25 with violations pay the highest premiums, often $400–$600/mo for full coverage, while drivers over 30 with similar records may pay $250–$400/mo.
- Location: Cheyenne and Casper have higher average premiums than rural areas due to accident frequency and vehicle theft rates, though differences are smaller than in urban states.
- Carrier availability: Not all standard carriers write high-risk policies in Wyoming. Non-standard carriers specializing in SR-22 and violation coverage are often the only option immediately after a DUI or suspension.
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 injuries and property damage you cause to others. Wyoming minimums are 25/50/20, but high-risk drivers should carry 100/300/100 to protect assets and reduce exposure during rate recovery.
Full Coverage
Combines liability, comprehensive, and collision coverage. Protects your vehicle and others' in an accident, theft, or weather event.
SR-22 Insurance
SR-22 is a certificate proving you carry liability insurance, filed by your carrier to the Wyoming Department of Transportation. Required for DUI, uninsured violations, and certain suspensions.
Non-Standard Auto Insurance
Coverage designed for drivers with DUIs, suspensions, multiple violations, or lapses who cannot get standard policies. Non-standard carriers specialize in high-risk profiles and SR-22 filing.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage if you're hit by a driver with no insurance or insufficient coverage. Wyoming does not require this coverage but you can add it to any policy.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders on financed vehicles.
