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. Drivers convicted of DUI, caught driving without insurance, or accumulating excessive violations typically must file SR-22 proof of financial responsibility with the Wyoming Department of Transportation for 3 years. For high-risk drivers, carrying only state minimums leaves significant personal liability exposure—medical costs from serious accidents routinely exceed $25,000 per person, and at-fault drivers remain personally liable for amounts above policy limits.
How Much Does Car Insurance Cost in Wyoming?
High-risk insurance costs in Wyoming depend primarily on violation type, points accumulated, and how recently the incident occurred. DUI convictions typically result in the highest premiums—$190–$400/mo or $2,400–$4,800/year—while multiple speeding tickets or at-fault accidents without DUI may cost $150–$280/mo. Rates decrease as you move further from the violation date without additional incidents, with most drivers seeing meaningful reductions after 3–5 years of clean driving.
What Affects Your Rate
- Violation type: DUI/DWI convictions result in premiums 150–200% higher than multiple speeding tickets
- License points: Wyoming suspends licenses at 12 points in 12 months; drivers near this threshold face non-standard carrier placement
- Time since violation: most carriers reduce rates 10–15% annually after year 3 of clean driving post-SR-22
- SR-22 filing requirement: adds $15–$35 filing cost plus 40–80% premium increase for 3-year duration
- Prior lapses: coverage gaps during SR-22 period restart the 3-year clock and may add 20–40% to premiums
- Rural vs. urban location: Cheyenne and Casper drivers pay 10–20% more than rural areas due to higher accident and theft rates
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Wyoming requires 25/50/20 minimums, but medical costs and vehicle damage in multi-car accidents often exceed these limits, leaving you personally liable for the difference.
SR-22 Filing
Certificate of financial responsibility filed by your carrier to the Wyoming Department of Transportation proving continuous coverage. Required for 3 years following DUI, uninsured driving, or court order.
Non-Standard Auto Insurance
Coverage from insurers specializing in high-risk drivers with DUIs, suspensions, or multiple violations. These carriers accept SR-22 filings and provide the continuous coverage required to maintain your license.
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage if you're hit by a driver without insurance. Wyoming does not require UM coverage, but approximately 13% of state drivers are uninsured.
Full Coverage
Combines liability, collision, and comprehensive to protect both your legal liability and your vehicle's value. Required by lenders if you finance or lease your car, even during SR-22 periods.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who caused the crash. Especially valuable for high-risk drivers whose rates would spike further after another at-fault claim.
