Non-Owner SR-22 Suspended
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Non-Owner SR-22 Insurance in Wyoming Without a Car

Wyoming requires SR-22 filing for 3 years after most suspensions. Non-owner SR-22 policies satisfy state filing requirements without needing a vehicle, cost 30-60% less than standard owner SR-22, and provide liability coverage when you drive borrowed cars with permission.

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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.

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25/50 ($25,000 per person, $50,000 per accident)
Bodily Injury Liability
Covers medical expenses, lost wages, and legal costs when you injure someone in an at-fault accident. Wyoming's $25,000 per-person minimum covers less than one emergency room visit in a serious crash. Non-owner policies provide this coverage when you drive any vehicle you do not own, with the owner's permission.
$20,000 per accident
Property Damage Liability
Covers repair or replacement costs when you damage another person's vehicle or property in an at-fault crash. Wyoming's $20,000 minimum may not fully cover damage to newer trucks or SUVs common in Wyoming. Non-owner SR-22 includes this coverage when you borrow or rent a vehicle.
Not required, but offered
Uninsured Motorist Coverage
Pays your medical bills and vehicle damage when struck by a driver with no insurance or insufficient coverage. Wyoming requires carriers to offer UM coverage at limits matching your liability limits, but you can reject it in writing. Non-owner UM coverage applies when you are injured as a driver or passenger in a vehicle you do not own.
Filing proof for 3 years
SR-22 Certificate of Financial Responsibility
SR-22 is not insurance—it is a certificate your carrier files with the Wyoming Department of Transportation proving you maintain continuous coverage. The filing period runs 3 years from the date of conviction or suspension. If your policy lapses or cancels, your carrier notifies the state within 10 days, and your license is suspended again immediately until you refile.
State-Mandated Minimum Coverage · Wyoming

Wyoming Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$20,000

License Reinstatement Fee$50

Meeting the state minimum keeps you legal. See whether it's enough — get your Wyoming quote.

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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.
Minimum Liability Non-Owner
$45–$65/mo
Wyoming's 25/50/20 minimum only, no uninsured motorist coverage. Lowest cost option but minimal protection if you injure someone or are hit by an uninsured driver.
Standard Non-Owner Coverage
$60–$85/mo
Liability limits raised to 50/100/50 or 100/300/50, plus uninsured motorist coverage. Covers you adequately in most accidents and protects against uninsured drivers.
High-Limit Non-Owner
$80–$120/mo
Liability limits of 250/500/100 or higher, with matching uninsured motorist coverage. Provides protection if you cause a serious multi-vehicle accident while driving a borrowed car.

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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.

Find Your City in Wyoming

Cheyenne, Wyoming cityscape and street view

Cheyenne

suburban
Casper, Wyoming cityscape and street view

Casper

suburban
Downtown Texarkana wooden sign in snow with blue staircase structure behind it

Laramie

urban
Large pile of scattered trash and debris in remote landscape with mountains and cloudy sky in background

Gillette

urban
Steam rising from geothermal ground with evergreen forest and cloudy sky in background

Rock Springs

urban

Frequently Asked Questions

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