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
State Requirements
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.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Cost Overview
$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 remain on Wyoming driving records for 3 years and affect rates during that period
- Lapses in coverage longer than 30 days trigger non-standard carrier placement and higher rates
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See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 last in Wyoming?
Wyoming requires SR-22 filing for 3 years from the date of filing or until reinstatement requirements are met. If your coverage lapses at any point during the 3-year period, the requirement resets and you start the 3-year clock over from the new filing date. Maintaining continuous coverage without lapses is the only way to satisfy the requirement.
How many points suspend your license in Wyoming?
Wyoming suspends your license if you accumulate 12 or more points within a 12-month period. Speeding 11–20 mph over the limit adds 3 points, 21+ mph over adds 6 points, and reckless driving adds 8 points. Points remain on your driving record for 3 years and affect insurance rates during that period, even if your license is not suspended.
What happens if I let my SR-22 lapse in Wyoming?
If your SR-22 coverage lapses in Wyoming, your insurance company notifies the Department of Transportation within 10 days, your driver's license is suspended immediately, and the 3-year SR-22 requirement period restarts from the date you file a new SR-22. You cannot legally drive during the suspension and must pay reinstatement fees in addition to obtaining new SR-22 coverage to restore your license.
How long do points stay on your license in Wyoming?
Points remain on your Wyoming driving record for 3 years from the date of the violation, not the conviction date. After 3 years, the points are removed and no longer count toward the 12-point suspension threshold. However, insurance companies may surcharge your premiums for violations for 3–5 years depending on the carrier and violation type, even after points are removed from your state record.
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Wyoming's 25/50/20 minimums are low, and a moderate injury claim can exceed $25,000 per person, leaving you personally liable for the difference.
SR-22 Insurance
A certificate filed by your insurer proving continuous coverage to the Wyoming DOT. Required for DUI, suspensions, and serious violations for a minimum of 3 years.
Full Coverage
Combines liability, collision, and comprehensive to protect both your liability and your vehicle's value. Required by lenders for financed or leased vehicles.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage if you're hit by a driver with no insurance. Wyoming does not require UM/UIM but insurers must offer it.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUIs, SR-22 requirements, lapses, or multiple violations. Non-standard carriers accept high-risk profiles that standard insurers decline or price prohibitively.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident or single-vehicle crash, minus your deductible. Required by lenders but optional if you own your vehicle outright.