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Wyoming SR-22 & High-Risk Auto Insurance

Wyoming requires SR-22 filing for DUI convictions, license suspensions, and serious violations. The filing requirement typically lasts 3 years and costs $15–$35 to file, but high-risk premiums average $2,100–$4,200 annually depending on violation type. Most speeding tickets and minor violations do not trigger SR-22 requirements.

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Updated March 2026

State Requirements

Wyoming requires minimum liability coverage of 25/50/20: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. SR-22 filing is required for DUI convictions, driving while suspended, accumulating 12 or more points in 12 months, refusing a chemical test, or being involved in an accident without insurance. Wyoming uses a point system where 12 points within 12 months triggers a suspension, and points remain on your driving record for three years from the violation date. For drivers with violations, state minimums often leave significant financial exposure in an at-fault accident.

Cost Overview

High-risk auto insurance in Wyoming costs significantly more than standard rates due to violation type, driving history, and SR-22 filing status. A DUI conviction typically doubles or triples premiums, while a single at-fault accident or speeding ticket increases rates by 20–40%. Based on available industry data, high-risk drivers in Wyoming pay between $2,100–$4,200 annually for liability coverage and $3,200–$5,400 for full coverage, compared to state averages of $900–$1,400 for clean-record drivers.

Minimum Liability
State minimum 25/50/20 liability coverage for high-risk profiles including DUI, SR-22 requirement, or multiple violations. Rates reflect non-standard carrier pricing and SR-22 filing.
Standard Liability
Higher liability limits (50/100/50 or 100/300/100) for high-risk drivers who need greater financial protection after a violation. Recommended for drivers with assets to protect or multiple at-fault claims.
Full Coverage
Liability plus collision and comprehensive for high-risk drivers with financed vehicles or SR-22 requirements. Deductibles of $500–$1,000 help manage premium costs.

What Affects Your Rate

  • DUI conviction increases premiums 100–200% for 3–5 years in Wyoming
  • SR-22 filing requirement adds $15–$35 to file but signals high-risk status to all carriers
  • Points remain on Wyoming driving records for 3 years and affect rates during that period
  • At-fault accidents increase rates by 30–50% for 3–5 years depending on claim severity
  • Lapses in coverage longer than 30 days trigger non-standard carrier placement and higher rates
  • Rural Wyoming zip codes (outside Cheyenne, Casper) often see 10–20% lower premiums due to reduced accident frequency

Compare Auto Insurance Rates in Wyoming

Coverage Options

Find Your City in Wyoming

Cheyenne, Wyoming cityscape and street view

Cheyenne

suburban
Casper, Wyoming cityscape and street view

Casper

suburban
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Laramie

urban
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Gillette

urban
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Rock Springs

urban

Frequently Asked Questions

Sources

  • Wyoming Department of Transportation - Driver Services Division
  • Wyoming Statutes Title 31 (Motor Vehicles)
  • Wyoming Department of Insurance - Consumer Resources
  • Insurance Institute for Highway Safety (IIHS) - State Laws

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