Wyoming SR-22 & High-Risk Auto Insurance
Wyoming requires 25/50/20 liability coverage and is an at-fault state.
Find SR-22 Coverage NowWyoming 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
State Requirements
Drivers convicted of DUI, those who cause an uninsured accident, or anyone with a suspended license typically must file SR-22 proof of financial responsibility with the Wyoming Department of Transportation for three years.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Collision Coverage
Comprehensive Coverage
Cost Overview
$235–$296/mo
Typical monthly rate in Wyoming, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
What Affects Your Rate
- Location: Urban areas like Cheyenne and Casper see higher rates due to claim frequency, while rural counties may see lower base rates but higher wildlife collision risk
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf 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
Frequently Asked Questions
How long do I need SR-22 in Wyoming after a DUI?
Wyoming requires SR-22 filing for 3 years from the date of license reinstatement following a DUI conviction. If your insurance lapses at any point during those 3 years, your license is suspended and the 3-year period restarts from the date you refile and reinstate. Maintaining continuous coverage without a single lapse is essential to completing the requirement on schedule.
What happens if my SR-22 insurance lapses in Wyoming?
If your SR-22 policy cancels or lapses for any reason, your insurer notifies the Wyoming Department of Transportation within 10 days and your license is suspended immediately. The 3-year SR-22 requirement period resets from the date you refile a new SR-22 and reinstate your license, potentially adding years to your total requirement. Avoid lapses by setting up automatic payments and confirming coverage before any policy changes.
Do all insurance companies in Wyoming offer SR-22 filing?
No. Many standard insurers do not offer SR-22 filing or will non-renew your policy after a DUI or major violation. You will need to work with a non-standard or high-risk carrier that specializes in SR-22 certificates and accepts drivers with suspensions, DUIs, or at-fault uninsured accidents. Independent agents with access to multiple non-standard markets can help you compare options and find the lowest available rate.
Can I buy SR-22 insurance online in Wyoming?
Some non-standard carriers allow online quotes and SR-22 purchases, but many high-risk insurers require phone or agent contact to underwrite your specific violation history. Working with an independent agent who specializes in high-risk and SR-22 coverage in Wyoming can streamline the process and provide access to multiple non-standard carriers at once. Expect to provide details about your DUI, suspension, or at-fault accident during the application process.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving you carry Wyoming's minimum coverage continuously for 3 years. Required after DUI, suspension, or at-fault uninsured accident.
Liability Insurance
Covers injury and property damage you cause to others. Wyoming's 25/50/20 minimum is often insufficient for serious accidents, leaving high-risk drivers exposed to lawsuits for uncovered damages.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an uninsured or underinsured driver hits you. Not required in Wyoming but covers a significant gap given the state's uninsured driver rate.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, suspensions, lapses, or multiple violations who cannot qualify for standard carrier rates. Non-standard insurers specialize in SR-22 filing and high-risk acceptance.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault or single-vehicle accident. Optional unless required by a lender, but critical for high-risk drivers who cannot afford to replace a totaled car out of pocket.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes. High-risk status affects comprehensive premiums less than collision or liability, making it a relatively affordable add-on.