Wyoming SR-22 & High-Risk Auto Insurance After Filing
Wyoming requires 25/50/20 liability coverage and is an at-fault state.
Compare Rates After SR-22Wyoming 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
$50
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Wyoming
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.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive Coverage
SR-22 Insurance
What Drivers Pay in Wyoming
$113–$235/mo
Typical monthly rate in Wyoming, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
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)
- 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
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If your license is suspended
Probationary License
application fee $15.
A coverage lapse is reported
The state acts on a lapse after 30 days.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage 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.