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Wyoming SR-22 Insurance After DUI & Violations

Wyoming requires 25/50/20 liability coverage and is an at-fault state.

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Wyoming 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

No

A defensive driving course does not remove points here

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Wyoming

The Wyoming Department of Transportation (WYDOT) mandates SR-22 filing for drivers with DUI convictions, license suspensions for point accumulation, uninsured accidents, and certain repeat violations. SR-22 filing confirms continuous coverage, and any lapse triggers immediate license re-suspension.

Liability Insurance

Wyoming's 25/50/20 minimums are mandatory for all drivers and required throughout the SR-22 filing period. High-risk drivers in Wyoming often carry 50/100/50 or higher to protect assets and reduce out-of-pocket exposure after an at-fault accident.

SR-22 Insurance

SR-22 is a certificate filed by your insurer to WYDOT proving you carry at least 25/50/20 liability coverage. Not all carriers offer SR-22 in Wyoming; non-standard insurers like The General, Direct Auto, and Progressive are common options for drivers with violations.

Full Coverage (Comprehensive + Collision)

Full coverage adds comprehensive and collision to your liability policy, covering damage to your own vehicle from accidents, weather, theft, and vandalism. In Wyoming's harsh winter climate—Cheyenne averages 60 inches of snow annually—collision coverage protects against weather-related accidents and wildlife strikes, which are common statewide.

Uninsured/Underinsured Motorist Coverage

This coverage pays for your injuries and vehicle damage when the at-fault driver has no insurance or insufficient limits.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk drivers who cannot obtain coverage from preferred or standard insurers due to DUIs, suspensions, or multiple violations. These policies often feature higher premiums, lower coverage limits, and stricter payment terms, but they provide the liability coverage and SR-22 filing required to reinstate your license in Wyoming. Carriers like Acceptance, Infinity, and Bristol West are active in the non-standard market and offer SR-22 filing.

What Drivers Pay in Wyoming

$165–$236/mo

Typical monthly rate in Wyoming, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Time since violation: Rates drop significantly after 3 years violation-free, with the steepest declines in years 3–5
  • SR-22 filing duration: Maintaining continuous coverage throughout the 3-year requirement is critical; lapses restart the clock and increase total premium costs
  • Geographic location: Cheyenne and Casper have more non-standard carrier options and competitive pricing than rural counties with limited insurer presence
  • Vehicle type and value: Newer vehicles requiring full coverage increase total premium costs, while older vehicles with liability-only reduce monthly payments
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Coverage Types

SR-22 Insurance

Certificate filed by your insurer to WYDOT proving continuous liability coverage. Required for DUI, suspensions, and uninsured accidents.

Non-Standard Auto Insurance

High-risk policies from carriers specializing in DUI, suspended license, and violation histories. Higher premiums but necessary for SR-22 compliance.

Full Coverage

Liability plus comprehensive and collision, covering damage to your vehicle from accidents, weather, theft, and vandalism.

Liability Insurance

Covers injuries and property damage you cause to others. Wyoming's 25/50/20 minimums are mandatory and required throughout SR-22 filing.

Uninsured Motorist Coverage

Pays for your injuries and vehicle damage when the at-fault driver has no insurance or insufficient limits.

Collision Coverage

Covers damage to your vehicle from accidents, regardless of fault. Required by lenders and recommended for vehicles worth more than $3,000–$5,000.

Find Your City in Wyoming

Cheyenne

suburban

Casper

suburban

Laramie

urban

Gillette

urban

Rock Springs

urban