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Wyoming DUI & Violation Insurance Requirements

Wyoming requires 25/50/20 liability coverage and is an at-fault state.

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Wyoming 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

No

A defensive driving course does not remove points here

Source: state DMV, insurance department and statute records, verified July 2026

Minimum Coverage Requirements in Wyoming

Most Wyoming drivers don't realize their current insurer won't cancel immediately after a DUI or serious violation — they'll issue a non-renewal notice at the end of your policy term, giving you 30–60 days to find replacement coverage. During that window, the state typically requires you to maintain continuous coverage and file proof with the Wyoming Department of Transportation. If your license was suspended, reinstatement typically requires SR-22 filing before you can legally drive again.

SR-22 Filing

SR-22 is not insurance — it's a certificate your insurer files with the Wyoming Department of Transportation proving you carry at least the state minimum liability coverage. Not all carriers offer SR-22 filing, which is why violation drivers often need to switch to a non-standard carrier.

Non-Standard Auto Insurance

Non-standard auto insurance is coverage sold by carriers that specialize in high-risk drivers — those with DUIs, violations, lapses, or suspensions on their record.

Liability Insurance

Violation drivers must maintain these minimums continuously during the SR-22 filing period — any lapse restarts the clock and may extend your suspension.

High-Risk Auto Insurance

High-risk auto insurance covers drivers classified as higher liability due to DUIs, multiple violations, at-fault accidents, or license suspensions.

What Drivers Pay in Wyoming

$165–$236/mo

Typical monthly rate in Wyoming, drivers after a speeding ticket

Rate data: ValuePenguin and CarInsurance.com, 2026

What Affects Your Rate

  • Time since violation: rates begin decreasing after 3 years and normalize after 5 years for most violations
  • Location within Wyoming: Cheyenne and Casper typically have higher non-standard rates due to carrier availability and claims density
  • Prior driving history: a clean record before the violation results in lower increases than multiple prior incidents
  • Age and experience: drivers under 25 with violations typically pay the highest rates in the non-standard market
  • Vehicle type: newer or high-value vehicles requiring full coverage significantly increase total premium cost
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Get Back to a Fair Rate After a Violation

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Coverage Types

SR-22 Insurance

The certificate your carrier files with Wyoming proving you maintain continuous coverage. Required after DUI, driving without insurance, or license suspension for reinstatement.

Non-Standard Auto Insurance

Coverage from carriers specializing in high-risk drivers. Typically your only option when your current insurer non-renews after a violation.

High-Risk Auto Insurance

Policies designed for drivers with DUIs, multiple violations, at-fault accidents, or suspensions. Rates reflect elevated statistical risk.

Liability Insurance

Covers damage you cause to others. The legal minimum in Wyoming is typically 25/50/20, which must be maintained continuously during SR-22 filing.

Find Your City in Wyoming

Cheyenne

suburban

Casper

suburban

Laramie

urban

Gillette

urban

Rock Springs

urban