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. The state mandates SR-22 filing for drivers with DUI convictions, multiple violations within 12 months, at-fault accidents without insurance, or license suspensions for traffic violations. High-risk drivers often need more than state minimums to satisfy reinstatement requirements or protect against underinsured claims. Wyoming does not require uninsured motorist coverage, but approximately 7% of drivers in the state are uninsured, making it a critical gap coverage for high-risk drivers rebuilding their records.
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 DUIs, violations, SR-22 requirements, and at-fault accidents. Average annual premiums for high-risk drivers range from $2,400 to $4,800, compared to $1,200–$1,800 for clean-record drivers. Rural areas like Laramie and Gillette often see lower base rates than Cheyenne or Casper, but violation type—especially DUI—has more impact than location.
What Affects Your Rate
- DUI or DWI conviction—adds 80–150% to base premiums for 3–5 years in Wyoming
- SR-22 filing requirement—increases rates 40–80% depending on carrier and violation type
- At-fault accidents—each incident adds 20–50% to premiums for 3 years
- Multiple moving violations within 12 months—compounds rate increases by 30–60%
- Coverage lapse history—even a 30-day gap can raise rates 10–25% with non-standard carriers
- Location within Wyoming—Cheyenne and Casper see higher rates than rural counties due to accident frequency and population density
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer to prove continuous coverage to the Wyoming DOT. Required after DUI, uninsured accidents, or license suspensions for 3 years.
Liability Insurance
Covers injury and property damage you cause to others. Wyoming requires 25/50/20 minimums, but higher limits protect against lawsuits exceeding state minimums.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when an uninsured or underinsured driver hits you. Optional in Wyoming but critical for high-risk drivers with limited savings.
Non-Standard Auto Insurance
Policies designed for drivers with DUIs, violations, SR-22 requirements, or coverage lapses who cannot qualify for standard carriers. Higher premiums but accessible approval.
Full Coverage
Liability plus collision and comprehensive, covering both your liability to others and damage to your own vehicle from accidents, theft, weather, or animal strikes.
Collision Coverage
Pays for damage to your vehicle after an at-fault accident, minus your deductible. Required by lenders for financed or leased vehicles.
