Cheapest SR-22 insurance in Wyoming

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State Farm offers the cheapest SR-22 insurance in Wyoming at $1,564 per year. Farmers is another affordable option at $1,688 per year. What you pay will depend on your driving record, your location, and the insurer you choose.

SR-22 isn’t an insurance policy on its own. It’s a form your insurer files with the state to show you have the minimum required coverage, commonly needed after a DUI, reckless driving, or a lapse in insurance. Drivers who need an SR-22 are treated as higher risk, so premiums are usually higher than average.

The SR-22 filing period lasts around three years, though your state and the specifics of your violation will determine the exact timeline. Expect your rates to go up right away, but consistent clean driving from here on out is what will gradually bring them back down. While you’re in that window, comparing quotes across insurers can help make sure you’re getting the best rate available to you.

How to keep your costs down during your SR-22 period

Compare at least three quotes before you commit. SR-22 surcharges vary widely between insurers, so the first quote you get is rarely the cheapest.
Ask each company how long the surcharge lasts. Some drop the high-risk rate sooner than others, which can matter more than the starting price.
Keep your record clean from here. Avoiding new violations is the single biggest thing that lowers your rate over time.
Don’t let the policy lapse. A gap in coverage can reset your filing period and signal even higher risk to insurers.
Confirm your insurer actually filed the form. You’re responsible for staying compliant, so verify the SR-22 is on file with the state before you assume you’re covered

What is an SR-22?

An SR-22 is a certificate your insurance company files with the state to verify that you’re carrying the legally required minimum coverage. It’s usually required after major violations like a DUI, DWI, reckless driving, or driving uninsured.

Think of an SR-22 as a certificate rather than a policy – it’s a form your insurance company files with the state to prove you’re carrying the required coverage. Drivers who need one are considered higher risk, which typically means higher premiums and, in some cases, fewer insurers willing to take them on.

How does SR-22 insurance work in Wyoming?

SR-22 insurance in Wyoming costs an average of $1,808 per year
State Farm offers the cheapest SR-22 coverage in Wyoming at $1,564 annually
An SR-22 is a state-required filing that proves you carry minimum car insurance coverage

When do you need an SR-22 in Wyoming?

You may need an SR-22 in Wyoming after serious driving violations such as a DUI, reckless driving, driving without insurance or accumulating too many points on your license.

The specific offenses that require one vary by state, but these are the most common:

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

After buying an insurance plan that meets your state’s requirements, ask your insurance company to send the SR-22 form to the DMV.

What happens if you don’t maintain SR-22 coverage?

Most drivers need to keep an SR-22 on file for about three years, depending on state requirements and the reason for the filing. During that time, your insurance coverage must remain active without any lapses.

If your policy is canceled or expires, your insurer will notify the DMV. From there, expect a suspended license and registration, reinstatement fees, and a new SR-22 filing. In many states, the three-year clock restarts from zero, so a lapse halfway through can cost you another full three years of filings. Worse, a coverage gap brands you an even higher risk, which means steeper premiums when you re-insure and a real chance some insurers won’t cover you at all.

How much does SR-22 insurance cost in Wyoming?

Drivers in Wyoming pay an average of $1,808 per year for SR-22 insurance. That’s $793 more than New Hampshire, the cheapest state for SR-22 coverage, and $2,233 less than Michigan, the most expensive.

Your rate will vary based on the violation behind the SR-22, your driving history and your ZIP code.

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Cheapest SR-22 insurance companies in Wyoming

State Farm offers the cheapest SR-22 insurance in Wyoming at $1,564 per year. While SR-22 insurance is usually more expensive than standard coverage, rates can vary significantly between insurers.

The companies below offer some of the cheapest SR-22 insurance 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

*USAA is only available to military community members and their families.

Which cities have the cheapest SR-22 insurance in Wyoming?

SR-22 rates in Wyoming depend heavily on where you live. Urban areas tend to come with higher premiums due to increased traffic, higher theft rates, and more frequent claims. Smaller towns and suburbs usually sit on the cheaper end of the scale.

Below are the major cities in Wyoming with the cheapest average SR-22 rates.

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

Will my SR-22 costs go down over time?

As your SR-22 requirement ends, you will see an improvement in your rates but they won;t go back to your how low they were before the violation
The underlying violation can stay on the record for 3 to 5 years, but a DUI is likely to stay on your record for much longer
Maintain a clean driving record and compare insurers at renewal period so that you can the best rate possible

What are the minimum SR-22 insurance requirements in Wyoming?

The Wyoming DMV mandates all drivers in Wyoming 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

State minimum coverage keeps you legal on the road, but it may not be enough to fully protect you in a costly at-fault accident. Higher coverage means a higher premium, but it also means you’re not paying out of pocket for damages that exceed your limits.

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

Drivers with a DUI usually pay significantly higher SR-22 insurance rates, though costs vary widely by insurer. The table below compares annual SR-22 rates for drivers with a DUI in Wyoming.

This table shows two different costs:

SR-22 with one DUI – what you’d likely pay per year if you’re filing an SR-22 because of a DUI conviction. This includes the higher rate insurers charge after a DUI.
SR-22 filing only – your regular premium plus just the SR-22 filing fee, with no DUI. If your SR-22 is for something other than a DUI, look at this column to estimate what the filing alone adds to your cost.

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

*USAA is only available to military community members and their families.

How to get the cheapest SR-22 insurance in Wyoming

The SR-22 form itself only costs a small one-time filing fee, usually around $25 to $50. What actually drives up your bill is the high-risk premium that comes with needing one. That’s the part you can lower, by comparing quotes, improving your driving record, and choosing the right coverage. Rates for high-risk drivers vary widely from one insurer to the next, so shopping around can make a real difference in what you pay.

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.

Compare high-risk insurers

Some insurers specialize in high-risk drivers and may offer much lower SR-22 rates than standard carriers. Getting quotes from multiple companies is often the fastest way to save.

Can you get an SR-22 without owning a car?

Drivers who need an SR-22 but don’t own a vehicle can file one through non-owner SR-22 insurance. It provides the minimum required liability coverage when you drive someone else’s car and lets you reinstate your license after violations like a DUI or multiple traffic offenses. Because it doesn’t cover a vehicle of your own, it’s usually cheaper than a standard car insurance policy.

This situation is more common than it sounds. Many drivers lose their license after a violation and still have to prove they’re insured to get it back, even when they don’t own a car. Non-owner SR-22 insurance is what makes that possible.

Is SR-22 insurance expensive in Wyoming?

An SR-22 requirement signals to insurers that you’ve had a serious violation. That can be a DUI, reckless driving, or a coverage lapse. Once your violation is on your record, your premiums will reflect it. Even so, rates differ more than you’d expect between insurers, and comparing quotes can go a long way toward keeping costs manageable.

A few other ways to lower what you pay are:

Cut your mileage where you can. Using public transport or carpooling may qualify you for pay-per-mile or low-mileage discounts.
Make use of every discount you’re eligible for. Bundling policies, signing up for autopay, and taking a defensive driving course are all simple ways to reduce your rate.
Keep your record clean going forward. Nothing is more important than maintaining a clean record if you want to lower your rate. A DUI can stay on your record for up to 10 years in many states, but steady, clean driving during that period is what will bring your premiums down over time.

Frequently asked questions

Can you get SR-22 insurance without owning a car?

Yes. Non-owner SR-22 insurance is available for drivers who don’t own a vehicle but still need to meet state insurance requirements. It provides liability coverage when driving someone else’s car and is usually cheaper than a standard policy.

What happens if your SR-22 insurance lapses?

If your SR-22 coverage lapses or your policy is canceled, your insurance company will notify the state DMV. This can lead to penalties such as license suspension, reinstatement fees or an extension of your SR-22 requirement period.

Can you switch insurance companies while you have an SR-22?

Yes, you can change insurers while maintaining an SR-22. Your new insurance company must file a new SR-22 with the state before your old policy is canceled to avoid a lapse in coverage.

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

Sources:

Shouse Law Group. “SR22 Wyoming.” Accessed June 2026.
Progressive Insurance. “What is an SR-22?” Accessed June 2026.

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.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.