Updated May 2026
Minimum Coverage Requirements in Wyoming
Wyoming operates under a tort liability system and requires all drivers to maintain minimum liability coverage of 25/50/20: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. Drivers with suspensions due to DUI, uninsured operation, or multiple violations must file Form SR-22 with the Wyoming Department of Transportation for 3 years from the conviction or suspension date. Non-owner SR-22 policies satisfy Wyoming's filing requirement without a vehicle attached to the policy.
How Much Does Car Insurance Cost in Wyoming?
Non-owner SR-22 premiums in Wyoming typically run $45–$85 per month, 30-60% lower than owner SR-22 rates because there is no vehicle to insure for collision or comprehensive damage. The state filing fee is $25–$50, paid once at policy inception or at each policy renewal if the carrier refiles annually.
What Affects Your Rate
- Suspension cause determines base rate—DUI filings cost 40-80% more than uninsured motorist filings due to higher actuarial risk.
- Wyoming ZIP code affects rates—Cheyenne and Casper premiums run 10-20% higher than rural counties due to accident density and theft rates.
- Filing period length varies by offense—some judges order 5-year SR-22 periods for repeat DUI offenses, doubling total filing cost.
- Credit score impacts non-owner rates in Wyoming—poor credit can increase premiums by 30-50% even without a vehicle on the policy.
- Prior lapses add surcharges—if your SR-22 lapsed before and your license was re-suspended, expect an additional 15-25% penalty on the new policy.
- Multiple violations compound—drivers with stacked offenses like DUI plus driving while suspended pay 60-100% higher premiums than single-cause filers.
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Get Your Free QuoteCoverage Types
Non-Owner SR-22 Insurance
Liability-only policy that satisfies Wyoming's SR-22 filing requirement without a vehicle. Covers you when driving borrowed or rented cars with permission.
Liability-Only Non-Owner Coverage
Provides bodily injury and property damage liability when you drive a vehicle you do not own. Does not cover collision or comprehensive damage to any vehicle.
Uninsured Motorist Coverage
Pays your medical bills and repair costs when hit by a driver with no insurance. Available as an add-on to non-owner policies in Wyoming.
Occasional Driver Insurance
Non-owner SR-22 designed for drivers who borrow family or friend vehicles regularly but do not have title or registration in their name.
Compliance-Only Non-Owner Policy
Non-owner SR-22 policy purchased solely to maintain filing status with the Wyoming Department of Transportation, not for regular driving use.
Find Your City in Wyoming
Sources
- Wyoming Department of Transportation — SR-22 filing requirements and reinstatement procedures
- Wyoming Insurance Department — minimum liability coverage regulations
- National Association of Insurance Commissioners — Non-Owner Auto Insurance Database Report