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Wyoming SR-22 & High-Risk Auto Insurance

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

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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

SR-22 filing is typically required for DUI convictions, driving without insurance, license suspensions, and serious violations. Wyoming uses a 12-point suspension threshold, with points remaining on your record for 1 year from the conviction date.

Bodily Injury Liability

Wyoming's minimum 25/50 liability limits are among the lowest in the nation and typically insufficient for drivers with violations. High-risk drivers should consider 100/300 limits to protect assets and demonstrate financial responsibility, especially during SR-22 filing periods when any lapse or additional violation triggers steeper consequences.

Property Damage Liability

This limit may not cover a totaled newer vehicle or multi-car accident. Wyoming does not forgive liability gaps — if you cause damage beyond your limit, you pay the remainder or face collection and potential license suspension.

Uninsured/Underinsured Motorist Coverage

If you're hit by an uninsured driver, you rely on your own collision and medical payments coverage or personal funds. High-risk drivers who carry only state minimums are especially vulnerable — one accident with an uninsured motorist can erase months of rate recovery progress if you have to pay your own repair and medical costs.

Full Coverage (Comprehensive + Collision)

Full coverage combines comprehensive (theft, weather, vandalism) and collision (accident damage to your vehicle). Lenders require it on financed vehicles.

SR-22 Insurance

SR-22 is not a type of insurance — it's a certificate your insurer files with the Wyoming Department of Transportation to prove you carry at least state minimum liability. Any lapse in coverage during the SR-22 period triggers automatic license suspension and restarts the 3-year clock, so continuous coverage is critical.

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

  • 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.
  • 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.
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Coverage 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.

Find Your City in Wyoming

Cheyenne

suburban

Casper

suburban

Laramie

urban

Gillette

urban

Rock Springs

urban