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.
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 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 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.
