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Cheapest SR-22 Car Insurance in Wyoming (2023)


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Updated: Oct 26, 2023
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The 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.

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2023

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:

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.

Company
Annual Premium
Monthly Premium

GEICO

$176

$15

State Farm

$182

$15

GEICO

$187

$16

State Farm

$201

$17

State Farm

$201

$17

GEICO

$201

$17

State Farm

$209

$17

State Farm

$222

$18

State Farm

$233

$19

State Farm

$233

$19

State Farm

$255

$21

Farmers

$260

$22

State Farm

$262

$22

GEICO

$265

$22

Farmers

$267

$22

GEICO

$277

$23

Farmers

$280

$23

Farmers

$284

$24

Farmers

$287

$24

GEICO

$291

$24

State Farm

$292

$24

State Farm

$292

$24

Farmers

$305

$25

State Farm

$320

$27

Farmers

$320

$27

Farmers

$327

$27

Farmers

$345

$29

GEICO

$350

$29

GEICO

$363

$30

GEICO

$375

$31

Allstate

$402

$34

Allstate

$404

$34

Allstate

$434

$36

Allstate

$440

$37

Allstate

$440

$37

GEICO

$453

$38

GEICO

$465

$39

Allstate

$474

$39

Allstate

$474

$40

Allstate

$475

$40

GEICO

$477

$40

Allstate

$499

$42

Allstate

$499

$42

Allstate

$514

$43

Allstate

$544

$45

Farmers

$603

$50

Farmers

$610

$51

Farmers

$627

$52

State Farm

$646

$54

State Farm

$700

$58

State Farm

$700

$58

State Farm

$745

$62

State Farm

$755

$63

Farmers

$789

$66

State Farm

$808

$67

State Farm

$808

$67

Farmers

$813

$68

Farmers

$854

$71

Farmers

$870

$72

State Farm

$871

$73

Farmers

$878

$73

Allstate

$912

$76

Allstate

$931

$78

State Farm

$932

$78

Farmers

$936

$78

Farmers

$985

$82

Allstate

$986

$82

Farmers

$1,010

$84

State Farm

$1,010

$84

State Farm

$1,010

$84

GEICO

$1,035

$86

Allstate

$1,036

$86

Allstate

$1,060

$88

Farmers

$1,067

$89

State Farm

$1,089

$91

GEICO

$1,105

$92

Allstate

$1,122

$93

Allstate

$1,127

$94

Allstate

$1,158

$97

Allstate

$1,198

$100

GEICO

$1,220

$102

Allstate

$1,221

$102

Allstate

$1,231

$103

Allstate

$1,298

$108

GEICO

$1,557

$130

GEICO

$1,627

$136

GEICO

$1,743

$145

Farmers

$1,905

$159

Farmers

$1,929

$161

Farmers

$1,986

$166

GEICO

$2,059

$172

GEICO

$2,130

$177

GEICO

$2,244

$187

GEICO

$2,661

$222

GEICO

$2,731

$228

GEICO

$2,847

$237

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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.

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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.

Company
Annual Premium
Monthly Premium

GEICO

$188

$16

GEICO

$264

$22

Farmers

$298

$25

Farmers

$357

$30

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WHAT IS NON-OWNER CAR INSURANCE?

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.

Driving Record
Annual Premium
Monthly Premium

At-Fault Accident

$1,299

$108

Ticket

$1,328

$111

Clean

$986

$82

DUI

$442

$37

At-Fault Accident

$337

$28

Ticket

$1,195

$100

DUI

$1,624

$135

DUI

$446

$37

Clean

$844

$70

Clean

$854

$71

Ticket

$353

$29

DUI

$1,631

$136

At-Fault Accident

$1,150

$96

Clean

$272

$23

Ticket

$1,186

$99

Clean

$242

$20

DUI

$1,766

$147

At-Fault Accident

$341

$28

At-Fault Accident

$364

$30

Ticket

$327

$27

At-Fault Accident

$1,159

$97

Ticket

$330

$27

Clean

$242

$20

DUI

$468

$39

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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

carInsurance
Clean Driving Record

Annual Premium for Minimum Coverage

$264
accident2
After a DUI

Annual Premium for Minimum Coverage

$442
Car insurance premiums after a DUI are on average: :$178 more

This 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:

1

Limited number of insurance options

Not all insurance companies offer coverage to drivers with SR-22s, which may limit your choices

2

Possible policy cancellation

If you don't maintain the required SR-22, the insurer may cancel your insurance policy.

3

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.

4

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.

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WYOMING LICENSE REINSTATEMENT FEE

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.

  • find icon

    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.

  • car icon

    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.

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    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.

  • seatbelt icon

    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.

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    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.

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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


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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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