Non-Owner SR-22 Insurance in Wyoming Without a Car
Wyoming requires 25/50/20 liability coverage and is an at-fault state.
Get My Non-Owner SR-22 QuoteWyoming at a Glance
25/50/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$50
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Wyoming
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.
Bodily Injury Liability
Property Damage Liability
Uninsured Motorist Coverage
SR-22 Certificate of Financial Responsibility
What Drivers Pay in Wyoming
$113–$235/mo
Typical monthly rate in Wyoming, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- Filing period length varies by offense—some judges order 5-year SR-22 periods for repeat DUI offenses, doubling total filing cost.
Cover Your Filing Before You Own a Car Again
Get My Non-Owner SR-22 QuoteIf your license is suspended
Probationary License
application fee $15.
A coverage lapse is reported
The state acts on a lapse after 30 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Can I get SR-22 insurance in Wyoming without owning a car?
Yes. Non-owner SR-22 policies satisfy Wyoming's filing requirement without a vehicle. The carrier files Form SR-22 with the Wyoming Department of Transportation on your behalf, and the policy provides liability coverage when you drive a borrowed or rented vehicle with the owner's permission.
How long do I need to maintain SR-22 filing in Wyoming?
Wyoming requires SR-22 filing for 3 years from the date of conviction or suspension for most offenses, including DUI, uninsured operation, and driving while suspended. Some judges order 5-year filing periods for repeat DUI offenses. The filing period must be continuous—if your policy lapses, the clock resets and you must start the 3-year period over once you refile.
What happens if my non-owner SR-22 policy lapses in Wyoming?
Your carrier notifies the Wyoming Department of Transportation within 10 days of cancellation or lapse. The state suspends your license immediately. You must purchase a new non-owner SR-22 policy, pay reinstatement fees, and restart the 3-year filing period from the date of the new filing.
Does non-owner SR-22 cover me if I buy a car during the filing period?
No. Non-owner SR-22 only covers vehicles you do not own. If you purchase, lease, or are gifted a vehicle during your 3-year filing period, you must convert to a standard owner SR-22 policy with comprehensive and collision coverage, or stack a separate owner policy on top of your non-owner policy. Failure to notify your carrier results in no coverage if you crash the newly acquired vehicle.
Which carriers write non-owner SR-22 policies in Wyoming?
Progressive, The General, National General, and Dairyland write non-owner SR-22 policies in Wyoming. State Farm and GEICO typically do not offer non-owner SR-22. Availability varies by ZIP code—rural counties may have fewer carrier options than Cheyenne or Casper.
Can I reject uninsured motorist coverage on a non-owner SR-22 policy in Wyoming?
Yes, but you must reject it in writing at policy inception. Wyoming requires carriers to offer UM coverage at limits matching your liability limits. Most SR-22 filers accept UM coverage because Wyoming has a meaningful uninsured driver population, and non-owner UM protects you if hit while driving a borrowed vehicle.
Coverage 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.