Cheapest SR-22 Car Insurance in Wyoming

State Farm offers the cheapest SR-22 insurance in Wyoming at $19 monthly for minimum coverage, 49% less than the state average of $37. It's also the most affordable for full coverage at $67.

GEICO offers Wyoming's cheapest non-owner SR-22 insurance at $22 monthly or $264 annually. Non-owner insurance is a great option if you need to meet state minimum coverage and don't own a car. 

The table below shows providers and their average costs for minimum coverage.

Wyoming's average cost of car insurance for drivers with an SR-22 is $446 annually for minimum coverage, 68% more than the $266 average for drivers with clean records.

SR-22 drivers face an average annual cost of $1,658 for full coverage, while clean-record drivers pay around $898. This is an 85% increase for those with an SR-22.

Having an SR-22 form doesn't raise your insurance rate by itself. The type of violation determines the cost. The table below compares SR-22 insurance prices for common violations across age groups in Wyoming.

An SR-22 is a form proving you have minimum coverage. In Wyoming, drivers with certain violations must file an SR-22 to reinstate their license. Insurers view these drivers as high-risk, leading to higher premiums.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. It's a certification your insurer files with the state to prove you have enough insurance. This helps meet the reinstatement requirements of Wyoming's Financial Responsibility law.

Wyoming requires drivers to have an SR-22 for up to three years after serious traffic violations. This form proves you meet the state’s minimum coverage requirements. To comply with SR-22 laws, you must have these liability limits:

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

In Wyoming, SR-22 certificates are usually required for up to three years.

Along with using an SR-22 for up to three years to comply with Wyoming's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Wyoming during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To reinstate your license after a serious violation, keep your SR-22 coverage active throughout the required period. If you don't have insurance, you'll need an SR-22 quote. Finding SR-22 insurance can be more challenging than for drivers with clean records, as insurers may cancel your policy or deny coverage once you file.

High-risk drivers in Wyoming may find fewer companies offering coverage, often leading to higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee if you're filing for the first time. User these tips to find cheaper SR-22 insurance:

Non-owner insurance covers those who drive frequently but don't own a vehicle, ensuring financial protection when driving someone else's car. It's perfect for renters or rideshare drivers, covering third-party injuries or property damage in an at-fault accident.

This policy is also more affordable than standard insurance. Compare quotes from different insurers to find the best rates. Once you purchase a non-owner policy, your insurer can file an SR-22 form to help you comply with state laws, enabling your license to be reinstated after up to three years.

Wyoming drivers with major offenses must file an SR-22 to show they have minimum coverage. For serious or repeated offenses, this form must be kept for up to three years. While SR-22 insurance is more expensive, budget-friendly rates are available from cheap car insurance providers.

Below are frequently asked questions about SR-22 certifications in Wyoming:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Wyoming drivers with various profiles and needs.

Wyoming Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Wyoming's minimum coverage requirements, with the following limits:

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

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.