Cheapest SR-22 Car Insurance in Wyoming (2023)
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, Content DirectorThe two cheapest SR-22 auto insurance providers in Wyoming offering a minimum coverage policy for drivers with DUIs on their records are State Farm at $233 per year and GEICO at $453 per year. The most affordable full coverage SR-22 policies in Wyoming are $808 per year with State Farm and $1,127 per year with Allstate.
Auto insurance premiums often increase following a driving offense because insurance companies view you as high-risk and more likely to file claims. If you're looking for affordable SR-22 car insurance in Wyoming, a few of the best options include GEICO at $188 per year and Farmers at $298 per year.
Cheapest Companies for SR-22 Car Insurance in Wyoming
Cheapest Companies for SR-22 Car Insurance in Wyoming
In Wyoming, the two cheapest companies for a full coverage policy for drivers with a DUI:
- State Farm: $808 per year
- Allstate: $1,127 per year
The two cheapest companies for a minimum coverage policy for drivers with a DUI:
- State Farm: $233 per year
- GEICO: $453 per year
Car insurance premiums tend to increase after a driving violation, but you could still find affordable coverage by comparing rates.
To help you find the best options, the table below highlights the cheapest car insurance companies for SR-22 insurance in Wyoming.
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What Is SR-22 in Wyoming?
An SR-22 is a certificate of financial responsibility mandated by the state, not an insurance policy. It proves a driver has the minimum required liability coverage. The filing period for an SR-22 in Wyoming can vary depending on the severity of the offense. To find specific information for Wyoming, refer to a reliable government source. Generally, the filing period ranges from one to five years. Repeat offenses can lead to longer filing periods.
Despite not being an insurance policy, you'll see SR-22 insurance mentioned throughout this piece to keep things moving quickly.
When required to file an SR-22, your insurance provider fills out the necessary form on your behalf and submits it to the Wyoming Department of Motor Vehicles (DMV). Filing an SR-22 may increase your insurance rates since you're considered a high-risk driver.
Once you have fulfilled the terms of your SR-22, your insurance company must file a Financial Responsibility Cancellation Form to inform the state that your mandatory SR-22 filing period has ended.
Cheapest Companies for Non-Owner SR-22 Car Insurance in Wyoming
If you're in Wyoming and require non-owner SR-22 car insurance, two of the cheapest options available are:
USAA may be a great option for military community members as it has non-owner SR-22 car insurance at an annual premium of $145.
You may need to file an SR-22 and get non-owner car insurance if you drive but don't have a vehicle, whether because yours was totaled or you committed your violation in another person's car. It could even be a requirement for regaining your license.
The table below lists the cheapest car insurance companies for non-owner SR-22 car insurance in Wyoming, including the minimum and maximum rates.
Non-owner car insurance is a type of insurance coverage designed for individuals who don't own a car but still need liability protection. This includes renters, rideshare drivers, professional drivers and individuals who must file SR-22 forms but don't own a vehicle.
Even after your SR-22 period, you should still look into Wyoming non-owner car insurance options if you drive and don't own a car.
Average Cost of SR-22 Car Insurance in Wyoming
For drivers in Wyoming with a DUI on their record, the average annual cost of minimum coverage SR-22 insurance is $442, while the average annual cost of full coverage SR-22 insurance is $1,631.SR-22 filing may also be required for offenses like speeding or at-fault accidents.
Driving offenses can significantly impact insurance rates as insurers consider high-risk drivers. To meet SR-22 requirements and reinstate your driving privileges, you need insurance.
To ensure the best rates for SR-22 insurance in Wyoming, compare insurance rates regularly, either at each renewal or annually.
How SR-22 Affects Car Insurance Rates in Wyoming
Filing an SR-22 can impact car insurance options and may lead to increased premiums. This is because an SR-22 filing tells insurers that the driver has been involved in high-risk behavior on the road.
The cost of SR-22 insurance is influenced by several factors, including the severity of the offense, the state's requirements and the driver's driving history.
Car Insurance Rate Comparison Based on Driving Records in Wyoming
Annual Premium for Minimum Coverage
$264Annual Premium for Minimum Coverage
$442This is 67% more expensive.
Other Effects of SR-22 on Car Insurance in Wyoming
Filing an SR-22 may result in the following impacts on car insurance in Wyoming:
Limited number of insurance options
Not all insurance companies offer coverage to drivers with SR-22s, which may limit your choices
Possible policy cancellation
If you don't maintain the required SR-22, the insurer may cancel your insurance policy.
Length of required filing
The duration of SR-22 filing requirements varies by state and can range from one to three or even five years.
Filing fees
In some states, you may be required to pay a one-time SR-22 filing fee, which can range from $15 to $50
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How to Get SR-22 Insurance in Wyoming
To get insured after a violation in Wyoming, you usually go through the following steps:
- Find an insurance company offering insurance to drivers with violations on their driving records.
- Purchase an insurance policy meeting the minimum liability requirements in Wyoming.
- Ask your insurance company to file an SR-22 form on your behalf, pay any necessary fees and keep it current.
These steps are crucial for obtaining car insurance coverage, especially after a violation. It's important to find an insurance company that covers drivers with violations.
By obtaining an SR-22 form and keeping it up to date, you can demonstrate financial responsibility and compliance with state regulations.
The cost to reinstate your driver's license in Wyoming varies. The license reinstatement fee after an SR-22 varies from state to state and frequently ranges from $75 to $150.
These fees are subject to change, so check with your local DMV or relevant government agency in Wyoming for the most up-to-date information on reinstatement fees.
How to Get Cheaper Car Insurance in Wyoming After a DUI
After a DUI, insurance will likely be pricier, but there are ways to lower your overall costs. Maintaining a clean driving record, completing alcohol education programs and comparing quotes from multiple insurance providers can help you find the best rates for SR-22 car insurance in Wyoming.
Compare quotes immediately
Comparing quotes immediately can help you find cheaper car insurance after a DUI. By obtaining quotes from multiple insurance providers, you can compare rates and coverage options to see Wyoming's most affordable SR-22 car insurance.
Complete DUI classes or programs
Completing DUI classes or programs can positively impact your insurance rates. Some insurance companies lower premiums for those who take these classes.
Look for discounts
Look beyond base prices and investigate discounts when seeking cheaper car insurance after a DUI. While some discounts may no longer be available, such as safe-driver discounts, there are still many other discounts you can take advantage of. Contact insurance providers directly to ask about available discounts and eligibility criteria.
Practice safe driving
Practicing safe driving should help you avoid additional strikes on your driving record. By reducing your driving distances, driving less frequently and following traffic laws, you can prevent future violations that would increase your insurance costs.
Shop rates over time
Shopping rates over time could help you maintain cheaper car insurance. Even if you currently have a good rate, you should compare quotes from different insurance companies before your policy renews. Insurance rates can change, and staying proactive could ensure you continue to have the best policy for your needs.
Non-standard auto insurance is designed for high-risk drivers who may struggle to find coverage through traditional providers. It provides coverage tailored to these drivers' needs.
Frequently Asked Questions About SR-22 Insurance in Wyoming
Here, you can find answers to common inquiries to ensure you understand the ins and outs of SR-22 insurance in Wyoming.
About Mark Fitzpatrick

sources
- Wyoming Department of Motor Vehicles. "Wyoming Department of Transportation - Driver License (state.wy.us)." Accessed June 7, 2023.