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. 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.
Cost 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
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Frequently Asked Questions
Sources
- Wyoming Department of Transportation - Driver Services Division
- Wyoming Department of Insurance - Consumer Information
- Insurance Research Council - Uninsured Motorist Statistics