State Requirements
Wyoming requires minimum liability coverage of 25/50/20: $25,000 for bodily injury per person, $50,000 per accident, and $20,000 for property damage. 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. High-risk drivers should consider limits above state minimums, as a single accident can exceed $25,000 in injury costs and minimum coverage leaves you personally liable for the difference.
Meeting the state minimum keeps you legal. See whether it's enough — get your Wyoming quote.
Get your Wyoming quoteCost Overview
High-risk auto insurance in Wyoming costs significantly more than standard coverage due to DUI convictions, at-fault accidents, and SR-22 filing requirements. Based on available industry data, high-risk drivers in Wyoming typically pay $2,100–$4,200 annually for minimum liability with SR-22, with costs varying by violation type, age, location, and choice of carrier. Rates decline gradually as violations age off your record—most insurers look back 3–5 years for major violations and 3 years for minor infractions.
What Affects Your Rate
- Violation type and severity: DUI convictions increase premiums 80–150%, while at-fault accidents raise rates 40–70% depending on claim severity
- Time since violation: Premiums decline 10–20% per year as violations age, with most insurers offering standard rates after 3–5 clean years
- SR-22 filing requirement: The filing itself adds $15–$35, but the underlying DUI or suspension is the primary rate driver
- 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
- Non-standard carrier selection: Some high-risk specialists in Wyoming offer payment plans and lower down payments but higher total premiums; shopping multiple non-standard carriers can yield 20–30% savings
- Age and experience: Young high-risk drivers (under 25) with DUIs face compounded penalties, often paying $4,000–$6,000+ annually, while drivers over 30 with one violation may stay in the $2,000–$3,500 range
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Get Your Free QuoteCoverage 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.
