Minimum Coverage Requirements in Wyoming
Wyoming requires minimum liability coverage of 25/50/20: $25,000 bodily injury per person, $50,000 per accident, and $20,000 property damage. 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. These minimums protect other drivers but may leave high-risk drivers underinsured—collision damage to your own vehicle and medical costs above $25,000 are not covered. SR-22 filing confirms continuous coverage, and any lapse triggers immediate license re-suspension.
How Much Does Car Insurance Cost in Wyoming?
High-risk insurance premiums in Wyoming are driven by violation type, time since offense, driving history, and carrier risk appetite. DUI convictions typically increase rates by 80–150%, while at-fault accidents and suspended licenses add 40–100% to base premiums. Urban areas like Cheyenne and Casper offer more carrier competition and slightly lower rates than rural counties, where non-standard options are limited.
What Affects Your Rate
- Violation type: DUI convictions carry the highest surcharges, typically 80–150% above standard rates, while at-fault accidents add 40–80%
- 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
- Credit score and payment history: High-risk drivers with poor credit may face 20–50% higher premiums than those with good credit, even with identical violations
- Vehicle type and value: Newer vehicles requiring full coverage increase total premium costs, while older vehicles with liability-only reduce monthly payments
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 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.
