Wyoming SR-22 Insurance: What it is and How Much it Costs

SR-22 insurance is an official document proving you own a car insurance policy meeting your state's minimum liability coverage requirements. Drivers in Wyoming found guilty of major traffic violations, such as DUI, must file an SR-22 through their insurance company. After filing an SR-22, your existing car insurance policy premiums can become more expensive. With a quote of $272 per year on average, State Farm is the cheapest SR-22 car insurance company in Wyoming.

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Advertising & Editorial DisclosureLast Updated: 12/1/2022
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Which Wyoming Insurance Companies Offer the Cheapest SR-22 Insurance?

After filing an SR-22, your car insurance rates will be more expensive than a standard car insurance policy due to the severity of the violation. On average, a minimum coverage car insurance policy for a person filing an SR-22 due to a DUI in Wyoming costs $528 per year, while drivers with clean records pay an average of $282 per year.

For those who have filed SR-22 and are in need of the cheapest car insurance in Wyoming, State Farm is the best option. The company offers the cheapest SR-22 insurance in Wyoming at an average of $272 per year.

Cheapest Companies for SR-22 Insurance in Wyoming

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MoneyGeek calculated the prices for a policy meeting Wyoming's minimum car insurance requirements and for a full coverage policy covering $100,000 in bodily injury liability expenses per person, $300,000 in injuries per accident and $100,000 in property damage coverage.

Your insurance rates can be impacted by factors like the SR-22 filing cost, your driving violation and the loss of discounts. The average insurance rates quoted can vary by company, so it’s a good idea to compare quotes from at least three insurers.

Those willing to pay a little bit more for better insurance can also shop for the best car insurance companies in Wyoming.

Key Takeaways


There's a one-time filing cost of around $25 for filing an SR-22 form.


By filing for SR-22, companies will no longer consider you eligible for any good driver discounts. This can make SR-22 insurance more expensive.


Prices may vary based on the severity of your traffic violation, with significant offenses like hit-and-run attracting higher rates than a DUI.

What Is SR-22 Insurance in Wyoming? Who Needs It? How Do You Get It?

Although commonly referred to as SR-22 insurance, this is not an insurance policy. It is a form filed by your insurer showing that you meet the minimum liability coverage requirements of your state. Any driver who commits a serious traffic violation, such as a DUI or reckless driving, is required to file SR-22 to reinstate their driving privileges.

You file SR-22 through your insurance company. Your insurer must then send the SR-22 form electronically to the Department of Transportation in Wyoming. By filing SR-22 after a severe traffic offense like a DUI in Wyoming, your standard car insurance policy can be more pricey than what you’d pay if you had a clean record.

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The SR-22 forms filed in Wyoming must prove that the driver meets the state's minimum car insurance requirements, which are:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $5,000 property damage liability coverage per accident

Read more with MoneyGeek's Wyoming car insurance resources or estimate rates with our Wyoming car insurance calculator.

Who Needs SR-22 Insurance in Wyoming? And for How Long Do They Need It?

Violations that mandate SR-22 insurance vary by state. However, regardless of your location, you will most certainly be required to file an SR-22 if you commit one of the following major traffic violations:

  • DUI
  • Reckless driving
  • Driving without insurance coverage
  • Driving with a suspended license

When committing a minor violation, such as a ticket or a standard accident, you don’t need to file an SR-22. The cost of insurance after an accident or obtaining a ticket might not be as expensive as that of someone who filed an SR-22.

How long you need SR-22 insurance in Wyoming depends on the gravity of the offense you committed. You may be required to hold an SR-22 for at least three years.

How Do You Get SR-22 Insurance in Wyoming?

You need to ask your insurance company to file an SR-22 form with the state if you are convicted of a traffic violation and want to reinstate your driving privileges. Filing SR-22 insurance classifies you as a high-risk driver and hence, insurers may be hesitant to cover you. Additionally, when you get an insurance policy after filing SR-22, you can expect to pay substantially higher rates than you were paying without a traffic violation in your record.

Non-Owner SR-22 Insurance in Wyoming

Committing a serious traffic offense, like a DUI, can result in your driving license getting suspended in Wyoming. To reinstate your license, you may be required to file an SR-22, even if you aren’t a car owner.

A non-owner auto insurance policy in your name is the cheapest way to prove that you are financially responsible and have the state minimum liability insurance coverage. This policy acts as proof of insurance to get your license reinstated. It also works for those who don’t own a car but instead borrow or rent cars.

For SR-22 filers with a DUI record, a non-owner car insurance policy in Wyoming costs an average of $570 per year. However, rates can vary. On average, USAA provides the cheapest non-owner SR-22 insurance in Wyoming at $172 per year, but the company only offers policies to active and veteran military members and their families. GEICO is the cheapest widely available insurer for non-owner car insurance at $598 per year on average.

The Average Cost of Non-Owner SR-22 Car Insurance in Wyoming

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MoneyGeek estimated non-owner auto insurance rates in Wyoming for a driver with a DUI on their record. The policy considered contains $50,000 in bodily injury liability per person, $100,000 in bodily injury liability per accident and $50,000 in property damage liability per accident.

FAQs About SR-22 Insurance in Wyoming

Drivers in Wyoming with a serious offense on their record might have questions about SR-22 insurance rates, the filing process and who to approach for the best prices. We have answered some questions here.

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MoneyGeek analyzed renters insurance premiums from six of the top insurance companies in Wyoming that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Wyoming. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.