Wyoming DUI and insurance: How much does a DUI raise your insurance?

Does a DUI raise car insurance rates in Wyoming?

Wyoming car insurance averages $1,758 with a clean driving record. However, average car insurance rates after a DUI increase to $3,316, which is $1,558 more.

Car insurance companies charge much higher rates if you are proven to be a risky driver. If you have multiple DUIs, average rates dramatically increase to $5,324.

How much does a DUI raise your insurance in Wyoming?

The cheapest insurer after a DUI is American National, with average premiums of $1,565. The next most affordable option is State Farm, where rates are $77 higher than those of American National. Allstate offers the third-lowest car insurance rates for drivers with a DUI.

Not only is driving under the influence dangerous, but it's also expensive. You'll face hefty fines and increased car insurance rates for years. However, every company weighs a DUI differently and offers different rates, so comparing quotes from multiple insurers is essential.

This table shows average car insurance rates after a DUI in Wyoming.

Company	Annual premium for clean records	Annual premium after a DUI	Annual premium after multiple DUIs
American National	$827	$1,565	$2,049
State Farm	$1,521	$1,642	$1,642
Allstate	$2,831	$3,495	$4,408
Farmers	$1,623	$3,620	$6,182
GEICO	$2,514	$6,449	$13,009
USAA	$1,230	$2,228	$2,774

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PEOPLE ASK:

What happens when you get a DUI in Wyoming?

If you're convicted of a DUI in Wyoming, consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, car insurance rates will increase, and DUI will stay on your record for 10 years.

If someone gets a DUI in your car, does it go on your insurance?

Typically, the insurance follows the car, not the driver, so your car insurance won't increase since the DUI won't be on your driving record.

However, your premiums may increase if your vehicle is involved in a crash resulting from a DUI. Your car may also be held as a crime scene after the incident, which means you won't be able to access it until the police have cleared it.

How long does a DUI affect your insurance in Wyoming?

Even though a DUI may remain on your driving record for life, it won't affect your insurance rates forever. In Wyoming, a DUI impacts car insurance and stays on your record for 10 years. Your premiums should begin to decrease after a few years of keeping a clean driving record without further violations.

PEOPLE ASK:

Will I have difficulty getting car insurance after a DUI?

It may be more challenging to find affordable car insurance after a DUI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DUI, you may consider shopping for new coverage to compare rates.

How much does a DUI raise insurance by age group?

Younger drivers typically pay higher car insurance rates than older, more seasoned drivers because they have less driving experience. While a DUI increases costs for everyone, a teen's premiums climb even more after a conviction. The average car insurance rate for a teen with a DUI is $3,340.

Below are the cheapest insurers after a DUI for each age group:

For teens: American National has the most affordable rate at $3,340.
For young adults: American National offers the lowest-priced coverage for young adults at $1,634.
For adults: American National provides the best rate, averaging $1,565.
For seniors: State Farm delivers the cheapest average rate at $1,436.

This table illustrates how a DUI affects car insurance rates across different age groups.

Company	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
American National	$2,185	$3,340	$1,155	53%
State Farm	$4,164	$4,504	$340	8%
Farmers	$3,836	$8,395	$4,559	119%
GEICO	$5,910	$9,548	$3,638	62%
Allstate	$8,943	$11,772	$2,829	32%
American National	$2,185	$3,340	$1,155	53%
State Farm	$4,164	$4,504	$340	8%
Farmers	$3,836	$8,395	$4,559	119%
GEICO	$5,910	$9,548	$3,638	62%
Allstate	$8,943	$11,772	$2,829	32%
USAA	$3,568	$6,184	$2,616	73%
USAA	$3,568	$6,184	$2,616	73%

How much does a DUI raise your insurance in your city?

The cheapest city in Wyoming for car insurance with a DUI is Cheyenne, while the most expensive city is Afton at an average of $3,362. Where you live affects car insurance rates, regardless of a DUI. Drivers in areas with higher traffic rates and more vehicle thefts pay higher insurance rates since their cars are more likely to be damaged. Those higher rates are then raised significantly with a DUI.

This table shows average DUI car insurance rates by city. Compare rates in large cities to rural areas to see how your location impacts rates.

City	Annual premium for clean record	Annual premium after a DUI	Dollar increase	% Increase
Afton	$1,769	$3,362	$1,593	90%
Casper	$1,724	$3,211	$1,487	86%
Cheyenne	$1,676	$3,183	$1,507	90%
Cody	$1,758	$3,324	$1,566	89%
Guernsey	$1,755	$3,318	$1,563	89%
Laramie	$1,765	$3,336	$1,571	89%
Powell	$1,758	$3,324	$1,566	89%
Riverton	$1,762	$3,325	$1,563	89%
Rock Springs	$1,766	$3,295	$1,529	87%
Afton	$1,769	$3,362	$1,593	90%
Casper	$1,724	$3,211	$1,487	86%
Cheyenne	$1,676	$3,183	$1,507	90%
Cody	$1,758	$3,324	$1,566	89%
Guernsey	$1,755	$3,318	$1,563	89%
Laramie	$1,765	$3,336	$1,571	89%
Powell	$1,758	$3,324	$1,566	89%
Riverton	$1,762	$3,325	$1,563	89%
Rock Springs	$1,766	$3,295	$1,529	87%

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How to get car insurance after a DUI in Wyoming

Insurers will label you a high-risk driver after a DUI, but you can still secure car insurance. Finding suitable coverage following a DUI conviction may require some additional effort.

If you already have car insurance and receive a DUI, your insurer will likely continue your policy; however, your premiums will increase at renewal time.

If you need car insurance after a DUI or want to find the most affordable rates, take the time to compare different policies. Get quotes from several insurers to find the cheapest option in Wyoming, as each company sets its own rates after a DUI.

Wyoming DUI insurance requirements and penalties

A DUI in Wyoming means you must meet specific requirements for high-risk drivers. In Wyoming, you will need an SR-22. An SR-22 is a form filed by your insurance company that shows the state that you have at least the minimum amount of car insurance required by law. While an SR-22 doesn't increase your car insurance rates, the cause behind the form does.

A DUI can lead to fines, a driver's license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.

The table below indicates Wyoming DUI laws and penalties based on first and subsequent offenses.

Increased penalty for high BAC	Administrative license suspension after a first offense	Limited driving privileges during suspension	Ignition interlocks	Open container laws	Repeat offender laws
0.15	90 days	Yes	Mandatory for high BAC (0.15 or higher) and repeat convictions	No	No
0.15	90 days	Yes	Mandatory for high BAC (0.15 or higher) and repeat convictions	No	No

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*BAC is blood alcohol concentration

How long after a DUI does your insurance go down?

A DUI impacts car insurance rates for at least three years, although the exact duration depends on the state. In some places, such as California, a DUI can influence your rates for up to 10 years.

Drivers in Wyoming can expect elevated car insurance rates after a DUI and expect it to stay on their record for 10 years.

Tips to save money after a DUI

A DUI will cost you thousands of dollars in fines, fees, and increased car insurance rates. Fortunately, there are ways to get lower rates after a DUI.

Ways Wyoming drivers can save on car insurance after a DUI include:

Raise your deductible to lower rates
Look for car insurance discounts, like multi-policy and vehicle safety feature savings
Keep your driving record clean going forward
Take a defensive driving course
Improve your credit score
Compare rates from multiple companies

Methodology

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C.

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Additional rate data is drawn based on:

One and two DUI convictions
Ages ranging from 16 to 75

Learn more about our data and methodology.

Wyoming DUI insurance: Frequently asked questions

How far back do insurance companies look for a DUI?

Depending on the state, a DUI may stay on your driving record for up to 10 years. In most situations, a DUI influences car insurance rates for three to five years.

Will my insurance drop me after a DUI in Wyoming?

Most insurers won't drop your policy after just one DUI, but your premiums will increase significantly. However, if you have multiple DUIs, your insurer may refuse to continue coverage. The greater the risk you pose, the more difficult it becomes to find car insurance.