Wyoming Auto Insurance After License Reinstatement
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
$50
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Wyoming
Wyoming operates under a tort liability system—drivers responsible for accidents pay the other party's damages. The state requires proof of financial responsibility at registration and after any violation. SR-22 filing is the most common proof form after reinstatement. Wyoming Department of Transportation processes reinstatement applications and verifies SR-22 filing status before returning driving privileges.
Bodily Injury Liability
Property Damage Liability
SR-22 Certificate of Financial Responsibility
Uninsured Motorist Coverage
What Drivers Pay in Wyoming
$113–$235/mo
Typical monthly rate in Wyoming, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Have Your Proof of Insurance Ready to Reinstate
Get My Post-Reinstatement QuoteIf your license is suspended
Probationary License
application fee $15.
A coverage lapse is reported
The state acts on a lapse after 30 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 filing in Wyoming after license reinstatement?
Wyoming requires SR-22 filing for 1-3 years depending on the original suspension cause. DUI convictions typically require 3 years of continuous filing. Driving without insurance usually requires 1-2 years. Multiple points violations vary by case. The filing period starts on the date your carrier files the SR-22 with Wyoming DOT, not your reinstatement date, so set up coverage before you visit the DMV to avoid extending the timeline.
What happens if my SR-22 insurance lapses in Wyoming?
Your carrier notifies Wyoming DOT within 10 days of cancellation or non-payment. The state suspends your license immediately and you must pay a reinstatement fee, obtain new SR-22 coverage, and restart the filing period from the beginning. Most non-standard carriers in Wyoming send multiple payment reminders before cancellation, but missing a payment often triggers a 10-day notice with no grace period.
Can I get standard auto insurance in Wyoming after SR-22 filing ends?
Yes, but timing matters. Standard carriers typically require 3 years of continuous coverage after your SR-22 filing ends with no new violations or at-fault accidents. A DUI adds 5 years of surcharges from the conviction date, so your rate stays elevated even after the 3-year filing period ends. Re-shop at the 6-month and 1-year marks during SR-22 filing, then again when filing ends and annually after that—rate improvement comes from shopping, not from waiting with the same carrier.
Can I transfer my SR-22 filing if I move to Wyoming from another state?
No. SR-22 filings are state-specific and do not transfer. If you move to Wyoming while under SR-22 requirement in another state, you must obtain a new Wyoming SR-22 policy and notify your original state's DMV of your new filing. Wyoming DOT does not accept out-of-state SR-22 certificates. Most non-standard carriers can set up a new Wyoming SR-22 filing within 24-48 hours and coordinate the transition to avoid a coverage gap.
Coverage Types
Post-Reinstatement SR-22 Insurance
Liability insurance with electronic SR-22 filing that proves continuous coverage to Wyoming DOT. Required after most license suspensions. Carrier must maintain filing for the full duration—policy cancellation triggers automatic license re-suspension.
Non-Owner SR-22
SR-22 filing without a vehicle policy. Covers you when driving borrowed or rental cars. Satisfies Wyoming's filing requirement if you don't own a car but need to maintain your license and future insurability.
Non-Standard Auto Insurance
Policies designed for drivers with violations, suspensions, or SR-22 filing requirements. Higher premiums than standard market but accessible when major carriers decline to write you.
Full Coverage After Reinstatement
Liability, collision, comprehensive, and uninsured motorist with SR-22 filing. Required by lenders. Protects your vehicle investment and shields you from total loss if you're hit by an uninsured driver.
High-Risk Auto Insurance
Coverage for drivers with DUI, multiple violations, or at-fault accidents. Specialized underwriting and elevated premiums. Often the only option during the SR-22 filing period.