Cheapest SR-22 Car Insurance in Wyoming (2024)

An SR-22 is a certificate of financial responsibility that you may be required to file after a moving violation. Your insurer files the SR-22 form to prove you have the required liability coverage. The form itself does not directly impact your rates, but violations that require SR-22 filing can increase your premiums significantly.

The least expensive providers for minimum coverage SR-22 insurance in Wyoming are: State Farm at $233 per year and GEICO at $453 per year.

The two cheapest insurers for non-owner SR-22 insurance in Wyoming are GEICO, which charges $264, and Farmers, which charges $357 per year.

The cheapest companies for minimum coverage SR-22 car insurance in Wyoming are:

• State Farm: $19 per month, $233 per year
• GEICO: $38 per month, $453 per year

The least expensive providers for full coverage SR-22 insurance in Wyoming are:

• State Farm: $67 per month, $808 per year
• Allstate: $102 per month, $1,229 per year

After a moving violation, expect your car insurance rates to climb, as insurers will view you as a higher risk. Yet, it's still possible to find cheap SR-22 car insurance by shopping around. Whether you need minimum coverage or full coverage car insurance, comparing quotes can lead to savings.

The companies with the cheapest non-owner SR-22 insurance in Wyoming are:

• GEICO: $22 per month, $264 per year
• Farmers: $30 per month, $357 per year

Non-owner car insurance can fulfill the liability coverage requirements for individuals who do not own a vehicle but need to file an SR-22 due to license suspension, revocation or serious traffic violations. This type of coverage is essential for maintaining legal driving status under these circumstances.

An SR-22 is a certification your insurance company files with Wyoming's state authorities to prove you have the required car insurance. It's not actual coverage but a form that shows you meet the state minimum.

If you have certain traffic violations like a DUI, driving without insurance or repeat traffic offenses, you or your insurer must file an SR-22 and maintain it for three years. If your SR-22 is canceled or lapses, your insurer will notify the state immediately.

An SR-22 verifies that you carry the minimum car insurance requirements which in Wyoming include:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $20,000 for property damage liability per accident

Even without a car, you'll need SR-22 non-owner car insurance. Remember, an insurance policy card cannot replace an SR-22 form.

Wyoming drivers who commit serious traffic offenses must file an SR-22. This form is proof that you carry the state minimum coverage auto insurance, which is necessary to keep your license. The SR-22 is typically required for three years.

If you're convicted of a DUI, caught driving without insurance, or commit a major traffic violation, expect to file an SR-22 through your insurer. They will also notify the state if your policy lapses. A detailed list of convictions that necessitate an SR-22 will follow in a separate section.

Filing for an SR-22 in Wyoming can lead to more than just higher rates and limited coverage options. You might face additional filing fees, risk having your policy canceled mid-term, or even be denied coverage altogether. It's important to keep your insurance active without any breaks. If you let it lapse, you could have to start your SR-22 requirement over. In Wyoming, the SR-22 requirement typically lasts for three years.

Knowing the consequences of not filing an SR-22 is key. It helps you avoid legal issues and keeps your insurance valid.

Below is the list of how an SR-22 negatively impacts your car insurance in Wyoming:

The average cost of SR-22 car insurance in Wyoming for drivers with a DUI is $1,657 annually for full coverage and $444 for state minimum coverage. In comparison, drivers with a clean record pay $896 for full coverage and $265 for state minimum coverage. This highlights the financial impact of a DUI on insurance rates.

The severity of your offense directly affects your premiums. It's not the SR-22 certificate that increases your rates, but the violations associated with it. If you have severe or repeated offenses, your insurer might not renew your policy or raise your rates at renewal. An SR-22 certificate is required for three years. During this period, you must maintain a minimum liability coverage of 25/50/20. This ensures you comply with state regulations while working to improve your driving record.

Filing an SR-22 in Wyoming is mandatory after serious offenses like DUI. Without it, you risk losing driving privileges. The state requires minimum coverage of 25/50/20 for three years, and insurers must notify upon cancellation.

Here are the steps to file an SR-22 in Wyoming:

If your SR-22 in Wyoming lapses, expect your driving rights to be re-suspended. You must have minimum coverage for three years. Your insurer will alert the state if your policy ends. The cost for a new SR-22 isn't listed, but it's vital for reinstating your license.

Having a violation like a DUI on your record can increase your car insurance premiums. For example, a driver aged 30-59 with a clean record might pay an annual premium of $265, but with a DUI, this could jump to $444. Despite this, there are ways to find more affordable coverage.

Drivers needing SR-22 documentation can still secure minimum coverage that meets legal requirements. It's important to compare rates and look for insurers that offer competitive prices for car insurance after a DUI.

Securing affordable SR-22 car insurance in Wyoming can be challenging. Get answers to your questions about finding cost-effective coverage here.