SR-22 insurance in Wyoming

Understanding SR-22 insurance in Wyoming

SR-22 insurance isn't a type of insurance. It's a form your insurance company files with the state to prove you have the minimum car insurance required to drive in Wyoming. SR-22 insurance generally refers to auto insurance coverage that requires an SR-22 filed by your insurance company for you.

Most drivers in Wyoming don't need SR-22 insurance. Drivers who do need an SR-22 have been convicted of serious violations like reckless driving, DUIs, or multiple offenses in a short time. If you are required to file an SR-22, you will be informed of how long you need to keep it.

"Certain things trigger the requirement for an SR-22 filing, such as a DUI, having a lot of points on your license, getting into an accident without insurance, or having your license suspended or revoked. But in every case, the driver is notified by the DMV that they are required to have this form. You would have to check the box that you are required to have an SR 22 filing. The insurance company typically charges a fee to file or maintain that filing, which varies by insurance company," says Dorothy Cato with Skyway Insurance Services LLC in Monroe, North Carolina.

How much does SR-22 insurance cost in Wyoming?

Filing an SR-22 form doesn't cost much, but the fines and increased insurance rates can be expensive. On average, SR-22 insurance in Wyoming costs $2,018 per year, but the actual rate depends on the driver and the specific violation.

Insurance companies charge different rates, so it's smart to shop around and find the cheapest SR-22 insurance available.

Average SR-22 insurance cost in Wyoming by violation

The SR-22 itself isn't the reason your insurance rates will go up. The SR-22 is required because of a violation, and it's that violation that determines the impact on your rates.

For example, an SR-22 may be required for a DUI or driving without insurance. The rate increase will be based on the infraction, not the SR-22 itself.

This table shows the average rates for violations requiring an SR-22. As you can see, rates vary significantly based on violation.

SR-22 insurance cost by company for a first DUI

After a single DUI, the cheapest company on average is American National with average rates of $1,565. Affordable SR-22 coverage with a DUI is a little harder to find, but shopping around can help. Some insurance companies are willing to view the first DUI as a one-time mistake, offering more affordable rates than others.

The table below shows how average insurance rates change after one DUI, based on the company. Insurance rates do go up after a DUI, but the increase isn't as high as it is for multiple violations.

SR-22 insurance cost by company for reckless driving

The cheapest company for SR-22 insurance with a reckless driving conviction is State Farm at an average annual rate of $1,642. A reckless driving ticket may be handed out for a variety of driving behaviors, such as excessive speed, running traffic lights, texting while driving or tailgating. No matter the reason, reckless driving in Wyoming leads to fines, higher car insurance rates and an SR-22.

Compare average rates for reckless driving from various insurers below.

SR-22 insurance cost by company for driving without insurance

The cheapest company for car insurance after being ticketed for driving without insurance is American National at an average yearly rate of $1,193.

In Wyoming, drivers must have at least the minimum required auto insurance. If you don't, you can face fines, higher insurance rates and an SR-22.

Below are the car insurance rates by company for drivers with a lapse in coverage.

Non-owners SR-22 insurance in Wyoming

Wyoming might require you to file an SR-22 form even if you don't own a car, usually if it's needed to get your license back. If you occasionally borrow or rent a car, you can buy non-owner SR-22 insurance, which meets the legal requirements, and your insurance company can file the SR-22 with that policy.

It's important to remember that non-owner car insurance only gives you extra liability coverage when you drive someone else's car. If you buy a car, you'll need to get the proper insurance to drive it legally in Wyoming.

How long do you need an SR-22 in Wyoming?

In Wyoming, drivers typically need to keep an SR-22 for three years. If you don't keep your insurance active during this period, you'll be breaking the law and could face serious fines and other penalties.

Reasons for requiring SR-22 insurance in Wyoming

Most Wyoming drivers don't need to file an SR-22. However, drivers who exhibit careless behaviors may be required to file an SR-22, which is typically required when the driver has to prove that they have the minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. required by the state," says Cato.

Reasons you may need an SR-22 in Wyoming include:

• DUI
• Reckless driving
• Multiple infractions in a short amount of time
• Failure to maintain auto insurance
• Refusing a breathalyzer
• At-fault accidents involving severe injuries or death

Tips to lower SR-22 insurance costs in Wyoming

Although your insurance will increase if you need an SR-22, there are still ways to find affordable coverage.

Ways to lower auto insurance costs with an SR-22 include:

• Take advantage of all available discounts. Most insurers allow you to bundle discounts to maximize savings.
• Raise your deductible. Increase the amount you pay before insurance kicks in to lower rates.
• Take a defensive driving course. Some insurers offer a discount for taking a course, and some states remove points from your license, which can lower your insurance rates.
• Sign up for a usage-based program. If you can demonstrate good driving habits while they are being tracked, you could earn a discount.
• Shop around for SR-22 insurance. Compare rates from multiple companies to find the cheapest SR-22 insurance in Wyoming.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

53M+

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate 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

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions requiring an SR-22

• One DUI
• Two DUIs
• Reckless driving
• Driving without insurance

Helpful auto insurance tools and calculators

• Car insurance rates by vehicle
• Compare car insurance companies
• Auto insurance coverage calculator
• Speeding ticket calculator
• Traffic ticket calculator
• Used car insurance calculator
• Rideshare earning calculator
• Pay per mile calculator

You might also be interested in

• Wyoming car insurance laws and requirements: What is changing in 2025
• Wyoming DUI and insurance: How much does a DUI raise your insurance?
• Speeding ticket calculator in Wyoming
• Non-owner car insurance in Wyoming: Best and cheapest companies
• Low-income car insurance in Wyoming
• Wyoming car insurance coverage calculator
• Wyoming car insurance guide
• Cheapest car insurance for high-risk drivers in Wyoming
• Cheapest home and auto insurance bundle in Wyoming
• Best cheap car insurance in Wyoming for 2025