Updated March 2026
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.
Cost 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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Frequently Asked Questions
Sources
- Wyoming Department of Transportation - Driver Services Division
- Wyoming Statutes Title 31 - Motor Vehicles
- Insurance Research Council - Uninsured Motorists Study
- Wyoming Department of Insurance - Consumer Resources