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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’s an SR-22?
An SR-22 is a certificate of responsibility (CFR) that shows you’ve purchased the required minimum liability auto coverage required by your state. If you’re categorized as a higher-risk driver due to traffic violations, a DWI/DUI conviction, or other reasons, your state or a court order may require you to get an SR-22.
You might hear about “SR-22 insurance,” but an SR-22 is not a separate insurance policy – it’s just a term sometimes used to refer to any insurance policy bought by someone who’s required to have an SR-22.
Key Takeaways
- An SR-22 isn’t a separate insurance policy but a form your insurer files with the state to show you have the minimum coverage.
- You might need an SR-22 in Wyoming due to DUI, reckless driving, or license suspension/revocation.
- Filing an SR-22 isn’t expensive, but those with an SR-22 often pay higher premiums.
Do I need to buy SR-22 insurance in Wyoming?
As mentioned earlier, an SR-22 isn’t an insurance policy; it’s a form your insurance company files with your state’s DMV. This form informs the state that you still carry the minimum required insurance despite certain driving offenses on your record. The filing fee is generally inexpensive, though insurance with an SR-22 can be costly.
Examples of 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 have any of these offenses on your record, you may need an SR-22. Once you buy an insurance plan that meets your state’s requirements, request your insurer to file the SR-22 form with the DMV.
You usually need to keep an SR-22 for at least three years. Failing to do so could lead to a license suspension.
Average SR-22 car insurance cost in Wyoming
The average SR-22 car insurance cost in Wyoming is $1,808.
Wyoming’s rate is $793 more expensive than SR-22 insurance in the New Hampshire, the cheapest state. However, it’s also $2,233 less than in Michigan, the most expensive state for SR-22 insurance.
However, there are a lot of factors that might affect the cost of SR-22 insurance, such as the reason for the SR-22, your driving history, and the city in which you live.
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.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $1,564 | $130 |
| Farmers | $1,688 | $141 |
| GEICO | $2,155 | $180 |
| Allstate | $2,514 | $210 |
| USAA* | $1,120 | $93 |
Note: USAA is only available to military community members and their families.
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Cheap SR-22 insurance in Wyoming by city
As discussed above, where you live greatly affects how much SR-22 insurance costs. Below, you’ll find the cheapest SR-22 insurance rates in major cities across Wyoming.
| City | Average annual premium |
|---|---|
| Cody | $1,558 |
| Powell | $1,558 |
| Guernsey | $1,558 |
| Riverton | $1,558 |
| Afton | $1,558 |
| Laramie | $1,558 |
| Rock Springs | $1,558 |
| Antelope Valley-Crestview | $1,558 |
| Cheyenne | $1,572 |
| Casper | $1,604 |
SR-22 insurance requirements in Wyoming
The Wyoming DMV requires all drivers to meet the following minimum requirements for car insurance coverage:
- $25,000 for injury/death per person
- $50,000 for injury/death per accident
- $20,000 for damage to property per accident
These are just the minimum requirements. Experts advise drivers to get more than the minimum insurance. It may lead to a higher premium, but the extra coverage could be well worth it.
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.
| Company | SR-22 with 1 DUI | SR-22 Filing only |
|---|---|---|
| State Farm | $1,695 | $1,564 |
| Allstate | $3,060 | $2,514 |
| Farmers | $3,424 | $1,688 |
| GEICO | $5,488 | $2,155 |
| USAA* | $2,035 | $1,120 |
Note: USAA is only available to military community members and their families.
How to get the cheapest SR-22 insurance in Wyoming
If you need an SR-22 in Wyoming, your insurance premiums might be very high. However, there are ways to save on car insurance, whether you need an SR-22 or not.
First, it’s a good idea to shop around. Different insurance companies can offer very different rates. Some companies specialize in high-risk drivers and may give you better SR-22 rates.
Another way to lower your insurance costs with an SR-22 is to improve your driving record. It might take some effort, but it’s worth it if you want better rates. A simple step is taking a defensive driving course, which can result in having points removed from your record. Check with your insurer to see if completing such a class could get you a discount. You can also look into usage-based insurance. These programs use technology to monitor your driving habits in exchange for (potentially) lower rates.
Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:
- 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.
- 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 5% to 15% cheaper than a standard policy.
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?
Resources and Methodology
Sources:
- Shouse Law Group. “SR22 Wyoming.” Accessed January 2025.
- Progressive Insurance. “What is an SR-22?” Accessed January 2025.
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.
Compare SR-22 insurance rates with other states
- What's an SR-22?
- Do I need to buy SR-22 insurance in Wyoming?
- Average SR-22 car insurance cost in Wyoming
- Cheapest SR-22 insurance companies in Wyoming
- Cheap SR-22 insurance in Wyoming by city
- SR-22 insurance requirements in Wyoming
- How much does SR-22 in Wyoming cost with a DUI?
- How to get the cheapest SR-22 insurance in Wyoming
- Non-owner SR-22 insurance in Wyoming
- Who needs SR-22 insurance?
- How long do you need SR-22 insurance in Wyoming?
- The bottom line on SR-22 in Wyoming
- What our expert says
- Resources and Methodology