SR-22 insurance in Wyoming is not an insurance policy. Rather, it’s a certificate proving financial responsibility that some drivers must submit to the state. It’s necessary for individuals who are found guilty of specific driving offenses, including DUI, driving without insurance and reckless driving.
Your insurer files an SR-22 form with the Wyoming DMV to verify that your policy meets the state’s minimum liability coverage requirements. This form is typically required when you need to reinstate driving privileges after they were revoked or suspended due to violations. You must maintain continuous coverage throughout the specific period for compliance with the court or DMV.
This guide provides an overview of what SR-22 insurance covers in Wyoming and how it can influence your annual premiums.
Who needs an SR-22 in Wyoming?
In Wyoming, individuals whose driving licenses were suspended or revoked due to certain violations may be required to obtain an SR-22.
Below are the violations that can trigger this requirement:
- DUI or DWI (driving under the influence or driving while intoxicated) conviction
- Reckless driving
- Driving without insurance
- Multiple traffic offenses within a short period
- If you’re involved in an accident and don’t have car insurance, the DMV may suspend your license and require you to file an SR-22
- Nonpayment of fines or penalties if you’re sued after an accident
The requirement to carry an SR-22 in Wyoming usually lasts for a period of 3 years, which may vary based on the severity of the offense. During this period, you must carry at least the minimum car insurance required by Wyoming law.
Learn more about how to find out if you still need an SR-22
How do I get an SR-22 in Wyoming?
If you need SR-22 insurance in Wyoming, you must buy a car insurance policy and have the insurance company file the SR-22 form with the Department of Motor Vehicles (DMV).
Getting the right auto insurance:
- Contact your current insurance company: Many insurance companies file SR-22 forms, but keep in mind that your rates will go up.
- Comparison shopping: It’s a good idea to compare rates from other insurance companies. Tell them you need an SR-22 so they give you accurate quotes.
- Meet state minimum car insurance requirements: You’ll need to purchase minimum liability coverage with limits of 25/50/20.
Filing the SR-22:
- Inform your insurer about your SR-22 requirement. They’ll handle the paperwork and submit the form to the DMV.
- Pay any associated fees. Expect an SR-22 filing fee from your insurance company on top of the increased premium for your high-risk status.
- Maintain continuous insurance. A lapse in coverage may result in the DMV suspending your license again.
Having an SR-22 may increase your car insurance costs because it signifies a riskier driver. To minimize the impact, compare quotes from different insurers and focus on safe driving habits to get lower rates in the future.
Discover your options for getting SR-22 insurance without a valid license
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How much is SR-22 insurance in Wyoming?
The cost of car insurance in Wyoming is $2,017 per year for full coverage with an SR-22, which is $76 lower than the national average of $2,093 annually. However, having a DUI on your driving record can significantly increase your premium to an average of $3,680 per year for full coverage.
Besides the higher premium, many insurance companies charge a small fee to submit the SR-22 form. If your license is suspended, your only option for getting it reinstated is to buy car insurance and file the SR-22 form.
How much is SR-22 insurance per month in Wyoming?
Drivers in Wyoming who have a DUI on their record can expect to pay $307 per month for a full coverage policy, which includes an SR-22.
Only some insurance companies provide car insurance for high-risk drivers, so you might need to look around to find one that does. When you do find an insurer, be prepared for higher premiums because of driving violations on your record.
However, by driving responsibly and avoiding speeding tickets, DUIs and other infractions, you can gradually improve your driving record and secure lower insurance rates in the future.
Affordable SR-22 insurance companies by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cheapest SR-22 insurance companies in Wyoming
American National provides the most affordable SR-22 car insurance for drivers in Wyoming, with an average annual premium of $1,067. State Farm and Farmers also offer competitive SR-22 insurance rates in Wyoming, according to CarInsurance.com data.
In Wyoming, after a traffic infraction such as a DUI, getting SR-22 insurance is mandatory. While the SR-22 form does not impact insurance costs, the offenses that necessitate it typically result in increased premiums. However, there are still insurers in Wyoming that offer affordable coverage for high-risk drivers.
| Company | Full coverage rates without SR-22 | Full coverage rates after filling SR-22 |
|---|---|---|
| American National | 827 | 1,067 |
| State Farm | 1,521 | 1,677 |
| Farmers | 1,623 | 2,134 |
| Geico | 2,514 | 2,539 |
| Allstate | 2,831 | 2,981 |
| USAA* | 1,230 | 1,249 |
Find out which providers offer the cheapest SR-22 car insurance
How long do I need SR-22 insurance in Wyoming?
In Wyoming, you are required to have SR-22 coverage for a period of 3 years. This confirms to the Wyoming DMV that you have the state-mandated minimum insurance coverage.
SR-22 insurance varies by state and the reason you need it. Usually, it’s required for three years but in some cases, it might be longer. For example, if someone has repeat violations, the requirement could extend out to five years, says Dr. James Brau, Joel C. Peterson professor of finance at Brigham Young University.
What happens if I cancel my insurance?
If you discontinue your SR-22 insurance in Wyoming before the mandated period ends, you could face severe consequences.
- Driver’s license suspension: If your SR-22 policy is canceled, your insurance provider will notify the state. This typically leads to a suspension of your driver’s license since insurance coverage must be maintained for the mandated period.
- Fines and penalties: In some states, you might face additional fines or penalties for not complying with the SR-22 requirement.
- Extended probationary period: If your SR-22 is part of a probation period for a driving offense, canceling it might restart your probationary period.
- Increased insurance costs: A lapse in coverage and violations on your driving record resulting from SR-22 policy cancellation can lead to significantly higher insurance premiums in the future.
It’s crucial to maintain continuous coverage for the required period. Any gaps or cancellations can result in penalties and suspension of your driver’s license.
How to get an SR-22 removed in Wyoming
To get rid of your SR-22, you must wait until the required time period is up. In Wyoming, this period is typically 3 years from when you first filed the SR-22.
Brau explains that you should maintain continuous insurance coverage without any lapses. If you cancel your policy or let it expire, the SR-22 will no longer be valid. Wait out the required period. During this time, drive responsibly and maintain your insurance coverage.
“Check with your state’s DMV and confirm the exact duration and any additional requirements for removal. Some states may require you to submit a formal request or provide proof of good driving behavior,” he says.
“Once the required period has passed, ask your insurer to file an SR-26 form with the DMV. This form notifies them that you no longer need an SR-22. After your insurer submits the SR-26, check with the DMV to ensure the SR-22 is officially removed from your record.”
How does an SR-22 affect car insurance rates in Wyoming?
Requiring an SR-22 certificate can substantially increase your car insurance premiums. Insurance providers typically categorize drivers with SR-22s as high-risk, which often translates to higher rates.
The specific amount by which your premiums will rise can vary depending on factors like your driving history and the reason for the SR-22 filing.
Don’t settle for the first offer. Compare quotes from multiple insurers to get the best deal on car insurance with an SR-22. If you stay violation-free and comply with the SR-22 requirements, your rates could go down over time.
Select your age, gender and type of violation to see average annual SR-22 insurance rates by company.
Note: These rates are for a full coverage policy with limits of 100/300/100 with a $500 deductible.
Non-owner SR-22 insurance for Wyoming drivers
If you find yourself in a situation where you need an SR-22 in Wyoming but don’t own a car, there is a solution. Non-owner SR-22 insurance can help you reinstate your Wyoming driver’s license and meet the requirements.
Non-owner car insurance provides liability coverage when you don’t own a vehicle. This type of policy allows the insurance company to issue the SR-22 form to the DMV on your behalf. Not all insurance companies offer non-owner car insurance or file SR-22 forms, so shop around in Wyoming for a company that can provide the coverage you need.
Frequently asked questions: SR-22 insurance in Wyoming
How do I check my SR-22 status online in Wyoming?
There are two ways to check the status of your SR-22. Visit the official website of your state’s Department of Motor Vehicles (DMV). Most states allow you to check your SR-22 status through their online services. You can also contact your state’s DMV directly via phone.
Do I need an SR-1P or SR-22 in Wyoming?
Both the SR-22 and SR-1P are forms submitted by your insurance provider to the Wyoming DMV to confirm that you meet the minimum liability coverage requirements. The SR-1P is for two-wheelers like motorcycles, mopeds, and scooters. If you’ve been cited for riding without insurance or have had your license suspended while operating a motorcycle, you’ll need to file SR-1P.
What happens to your SR-22 insurance in Wyoming if you move?
Your SR-22 insurance obligation in Wyoming remains even after you move. To comply with legal requirements, find a new insurance provider licensed in your new state. They’ll handle the paperwork to transfer the SR-22 obligation from Wyoming to your new location. Keep your coverage active until you get the new SR-22.
The SR-22 requirements in your new state may differ from those in Wyoming. It’s important to check with your new insurance provider and the local DMV to learn the state’s requirements.
Does Geico offer SR-22 in Wyoming?
Yes, Geico provides SR-22 insurance in Wyoming. As a major car insurance provider, Geico can file an SR-22 form with the state on your behalf and offer the required insurance coverage to comply with state laws.
Resources & Methodology
Sources
SR-22 Adviser. “SR-22 Requirements by State.” Accessed November 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get SR-22 car insurance rates in Wyoming. The rates are based on the sample profile of a 40-year-old driver with a clean driving record and good insurance score. We have compared 50,73,544 from 138 national and regional car insurance companies across 548 cities and 1,468 ZIP codes to evaluate the premiums.
Note: USAA is only available to military community members and their families.
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Laura Longero
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Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Guide to car insurance (with rates) in cities of Wyoming