Minimum Coverage Requirements in Wyoming
Wyoming requires minimum liability coverage of 25/50/20 ($25,000 bodily injury per person, $50,000 per accident, $20,000 property damage). Drivers with DUI convictions, multiple violations, at-fault uninsured accidents, or license suspensions must file SR-22 with the Wyoming Department of Transportation for 3 years. Completing your SR-22 period does not automatically lower your rates—violations remain on your driving record for 3 years from the date of conviction, and insurers typically review your history at each renewal.
Meeting the state minimum keeps you legal. See whether it's enough — get your Wyoming quote.
Get your Wyoming quoteHow Much Does Car Insurance Cost in Wyoming?
Post-SR-22 drivers in Wyoming pay elevated premiums even after the filing requirement ends because the underlying violation remains on your driving record for 3 years from the conviction date. Rates decline gradually as the violation ages—most drivers see meaningful decreases at the 1-year, 3-year, and 5-year marks. Shopping annually is critical because carrier pricing for post-SR-22 profiles varies widely, and the insurer that offered the lowest rate during your SR-22 period may not be cheapest once your filing ends.
What Affects Your Rate
- Time since SR-22 completion—rates drop most significantly 3 years after the underlying violation, not 3 years after filing ends
- Violation type—DUI convictions carry longer rate impacts (5–7 years) than lapses or minor moving violations (3 years)
- Continuous coverage—even a single 30-day lapse after SR-22 ends can increase your rate by 10–20% and limit carrier options
- Carrier type—standard carriers re-entering the market for post-SR-22 drivers typically offer rates 15–30% lower than non-standard carriers
- Credit-based insurance score—Wyoming allows insurers to use credit history in pricing, and post-SR-22 drivers with improved credit see faster rate recovery
- Annual mileage and vehicle type—low-mileage drivers and those with vehicles under $25,000 in value qualify for lower post-SR-22 rates
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Wyoming requires 25/50/20 minimums, but post-SR-22 drivers should consider higher limits to avoid another filing requirement if damages exceed policy limits.
Full Coverage
Combines liability, collision, and comprehensive to protect both you and your vehicle. Required by lenders and recommended for post-SR-22 drivers with vehicles worth over $5,000 or active loans.
Comprehensive Coverage
Covers non-collision damage—theft, hail, animal strikes, vandalism, and weather events. Critical in Wyoming due to high wildlife collision rates and severe hailstorms in eastern plains counties.
Uninsured Motorist Coverage
Pays for your injuries and damages if you're hit by a driver with no insurance or insufficient coverage. Not required in Wyoming, but highly recommended for post-SR-22 drivers who cannot afford another out-of-pocket loss.
SR-22 Insurance
A certificate proving you carry minimum liability, filed by your insurer with the Wyoming Department of Transportation. Required for 3 years after specific violations, and any lapse restarts the entire period.
Non-Standard Auto Insurance
Policies designed for drivers with violations, lapses, or SR-22 requirements who cannot qualify for standard-market coverage. Rates are higher but provide the continuous coverage needed to complete SR-22 and rebuild your record.
