Cheapest SR-22 insurance in Wyoming

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If you’ve been asked to file an SR-22, you might be worried about the impact on your car insurance costs. An SR-22 isn’t a type of insurance but rather a certificate that proves you meet your state’s minimum car insurance requirements.

It’s often required after serious driving violations, such as a DUI, reckless driving or driving without insurance. Unfortunately, having an SR-22 on your record typically leads to higher premiums, making finding the most affordable options essential.

The cost of SR-22 insurance can vary significantly depending on your location, driving history, and insurance provider. To help you save money, we’ve researched the cheapest SR-22 insurance options in every state.

In Wyoming, State Farm offers the most affordable SR-22 insurance policies at $1,564 per year and Farmers at $1,688 per year.

Whether you’re looking for a budget-friendly policy or just trying to navigate this complex process, this guide has the information you need to get back on the road without breaking the bank.

What is an SR-22?

An SR-22 certificate of financial responsibility proves you have the minimum liability insurance coverage your state requires. If you’re considered a high-risk driver because of traffic violations, a DUI/DWI conviction, or other reasons, your state or a court might require you to get an SR-22. This is a certificate your insurance company files on your behalf with your state Department of Motor Vehicle (DMV).

An SR-22 isn’t a type of insurance, but it’s often required after serious offenses. Having an SR-22 can make your insurance more expensive, and not all insurers will cover you because you’re considered a high-risk driver.

Do I need to buy SR-22 insurance in Wyoming?

As mentioned before, an SR-22 isn’t an insurance policy. It’s a form your insurance company files with your state’s DMV to show that you have the required minimum coverage, even with certain driving offenses on your record. The filing fee is usually low, but insurance with an SR-22 can be expensive.

Here are few offenses that might require an SR-22:

• DUI, DWI or other serious moving violations
• Reckless driving
• Accidents resulting in suspension or revocation
• Accumulation of too many driving violation points
• Driving without insurance

If you are convicted of any of these violations, you might need an SR-22. After buying an insurance plan that meets your state’s requirements, ask your insurance company to send the SR-22 form to the DMV.

You usually have to keep the SR-22 for at least three years. If you don’t, your license could be suspended.

Average SR-22 car insurance cost in Wyoming

The average cost of SR-22 car insurance in Wyoming is $1,808.

This is $793 more expensive than the SR-22 insurance in New Hampshire, the least expensive state.

However, it’s also $2,233 cheaper than in Michigan, the most expensive state for SR-22 insurance.

However, several factors can affect the cost of SR-22 insurance, including why you need the SR-22, your driving history and your city.

Our agents make it hassle-free to get the right quote.

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Cheapest SR-22 insurance companies in Wyoming

Having an SR-22 usually raises your insurance rates, but not all companies charge the same rates. The companies below offer some of the cheapest rates in Wyoming.

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Cheap SR-22 insurance in Wyoming by city

As mentioned before, where you live can significantly impact the cost of insurance with an SR-22. Below, you’ll find the cheapest SR-22 insurance rates in major cities across Wyoming.

SR-22 insurance requirements in Wyoming

The Wyoming DMV requires all drivers to have the following minimum car insurance coverage:

• $25,000 for injury or death per person
• $50,000 for injury or death per accident
• $20,000 for property damage per accident

These are just the minimum requirements. Experts recommend getting more coverage than the mandated minimum coverage. Although it may raise your premium, the added coverage could prove highly beneficial.

How much does SR-22 in Wyoming cost with a DUI?

Some insurance companies are much more forgiving than others if you have a DUI. Some charge a few hundred dollars more, while others charge thousands more per year.

Note: In the table below, “filing only” represents the cost of a policy including the fee to file the SR-22 – without considering the reason why someone needed an SR-22.

How to get the cheapest SR-22 insurance in Wyoming

You may face sky-high insurance premiums if you need an SR-22 in Wyoming. However, there are ways to save on car insurance whether or not you require an SR-22.

First, shopping around is always a good idea. There can be an enormous difference in the rates you will get from different insurance companies. Some companies specialize in high-risk drivers and offer you better SR-22 rates.

Another way to get the cheapest insurance with an SR-22 is to improve your driving record. Sure, that might be easier said than done, but it can be worth putting in the time if you want a better rate. You can get a quick win by taking a defensive driving course. Ask your insurer if they offer any of these courses and if they can help you qualify for a discount.

You can also ask about safe driving programs. These usage-based programs track your driving habits and may reward you with lower premiums for safe driving.

There are a few ways someone required to get SR-22 insurance can find the most affordable policy while still meeting all the legal requirements.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, Wyoming, recommends the following:

• Shopping around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
• Pay upfront: Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.
• Opt for non-owner insurance: If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be a cost-effective option as it is typically 5% to 15% cheaper than a standard policy. Keep reading for more information on non-owner insurance options.

Non-owner SR-22 insurance in Wyoming

Some states may require you to obtain an SR-22 even if you don’t own a car. This filing ensures you meet the state’s minimum liability coverage requirements, which is often necessary to reinstate your driver’s license after a suspension or revocation resulting from violations like a DUI or multiple traffic offenses.

Non-owner insurance policies are for individuals who don’t own a vehicle but must fulfill SR-22 requirements or want to maintain continuous coverage. This type of coverage provides liability protection when driving a car you don’t own and helps you meet state mandates for reinstating your license after violations such as a DUI or multiple traffic offenses.

It’s often a more affordable option than a standard policy since it only covers liability.

Read more about how non-owners car insurance works in Wyoming

Who needs SR-22 insurance?

Remember, an SR-22 is not a separate insurance policy. It’s a certificate that proves to your state’s DMV that you have the required minimum insurance coverage.

For example, if you have a DUI, the state will require you to show that you have enough insurance to meet financial responsible.

Remember, not all driving offenses need an SR-22. You’ll be notified if you do. If you’re unsure, check with your local DMV office or a lawyer who specializes in traffic law.

How long do you need SR-22 insurance in Wyoming?

You usually need to keep an SR-22 for three years.

During this time, you must have continuous insurance coverage with no lapses. If your policy gets canceled or lapses, your insurer has to inform the state, which could lead to penalties or a suspended license.

The bottom line on SR-22 in Wyoming

Wyoming’s average SR-22 insurance rate is $1,808, compared to the overall average car insurance cost in Wyoming, which is $1,763. That means Wyoming’s SR-22 rate is $46 more per year.

But remember that there are a lot of factors that can affect insurance premiums.

What our expert says

Q: How can you save on SR-22 insurance?

Sebastian HovCEO, 18 Insurance.

“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Methodology

Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.

Bob Haegele

Contributing Researcher

 

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Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others.