Minimum Coverage Requirements in Wyoming
Wyoming requires minimum liability coverage of 25/50/20: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $20,000 property damage per accident. Drivers with a DUI, suspended license, uninsured accident, or certain serious violations typically must file SR-22 proof of insurance with the Wyoming Department of Transportation for 3 years. SR-22 is not insurance itself—it's a certificate your insurer files electronically to verify you maintain continuous coverage at or above state minimums. A lapse during your SR-22 period triggers immediate suspension and restarts the 3-year clock.
How Much Does Car Insurance Cost in Wyoming?
Wyoming high-risk insurance premiums vary sharply based on violation type, age, vehicle, and carrier. DUI offenders typically pay 60–120% more than standard profiles, while drivers with multiple at-fault accidents see increases of 40–80%. SR-22 filers in rural counties like Sublette or Fremont may pay 10–15% less than Cheyenne or Casper drivers due to lower accident frequency, but carrier availability narrows outside urban centers.
What Affects Your Rate
- Violation type: DUI penalties exceed suspension-only or at-fault accident surcharges by 30–50% on average
- Time since violation: premiums decline 10–20% at each policy renewal if no new incidents occur
- Age and gender: drivers under 25 with SR-22 face premiums 20–40% higher than those over 30 for identical violations
- Vehicle type: insuring a newer or high-value vehicle with full coverage and SR-22 can double premiums compared to liability-only on an older car
- Credit score: Wyoming allows credit-based insurance scoring, and a DUI combined with poor credit can increase rates an additional 15–30%
- County of residence: Laramie County and Natrona County drivers pay 10–15% more than rural counties due to higher claim frequency
See how much your violation actually affects your rates
Not every carrier surcharges the same way. Compare quotes from carriers that rate violations differently.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate filed by your insurer to the Wyoming Department of Transportation proving you carry at least state-minimum liability. Required for DUI, suspensions, and uninsured accidents.
Liability Insurance
Covers bodily injury and property damage you cause to others. Wyoming mandates 25/50/20, but a single serious accident can exceed these limits by tens of thousands.
Non-Standard Auto Insurance
Policies from carriers specializing in high-risk drivers: those with DUIs, suspensions, multiple violations, or SR-22 requirements.
Full Coverage
Combines liability, comprehensive, and collision. Required by lenders if you finance or lease a vehicle, and protects your car if you cause an accident or it's damaged by weather, theft, or vandalism.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage if an uninsured driver hits you. Wyoming doesn't require it, but approximately 11% of drivers statewide lack insurance.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, minus your deductible. Not required by Wyoming unless mandated by your lender.
