If the Wyoming Department of Transportation (DOT) has deemed you a high-risk or dangerous driver, you might be required to obtain an SR-22 certificate. An SR-22 is a document from your insurance company that verifies you have adequate liability insurance.

Although an SR-22 is often referred to as "insurance"—it isn’t actually insurance. Rather, it’s a form your insurer files with the state. It verifies that you have the minimum required liability coverage to legally drive in North Dakota.

An SR-22 filing is handled by your insurance company on your behalf.

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What is an SR-22 in Wyoming?

When the State of Wyoming deems someone a high-risk driver, they’ll require proof that the driver carries the state’s minimum liability insurance.

Wyoming requires the following minimum

liability coverage

$25,000 per person and $50,000 per accident toward

bodily injury liability

$20,000 toward

property damage liability

Key Takeaway Wyoming uses a 25/50/20 minimum liability insurance structure.

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Who needs an SR-22 form in Wyoming?

Drivers who need an SR-22 in Wyoming have usually been convicted of a vehicular crime.

You might need an SR-22 in Wyoming if you’ve been convicted of the following driving violations:

Driving without insurance

Reckless driving

DUI or DWI

Being involved in a fatal accident

Failing to pay a judgment

Repeated traffic offenses

If you’re involved in an accident and don’t have insurance, Wyoming will require you to obtain an SR-22, even if you weren’t at fault in the accident. Even if you didn’t cause the accident, you still committed a crime by driving a car without insurance.

MORE:

What happens if you’re deemed at-fault in an accident without car insurance?

How to get an SR-22 in Wyoming

You’ll need to find an insurance company that will file an SR-22 on your behalf. Any insurance company licensed to operate in Wyoming can offer an SR-22, though some companies don’t, and some companies will only offer SR-22 certificates to some drivers.

The Wyoming DOT will also send you a letter in the mail from Driver Services informing you of any fees or fines you need to pay. This will usually include a $50 reinstatement fee if you’ve had your license suspended.

Once you’ve acquired adequate insurance, your insurance company will handle your SR-22 filing on your behalf. From there, your suspension will be lifted and you’ll be allowed to legally drive again.

Key Takeaway Your insurance company will file the necessary paperwork with the Wyoming DOT.

How much does SR-22 insurance cost in Wyoming?

Insurance companies consider an SR-22 to be a sign of a

high-risk driver

, making car insurance considerably more expensive for those with an SR-22 filing.

This is because insurance companies assume you’re more likely to commit traffic violations in the future.

In addition to the hike in your car insurance premium, the Wyoming DOT will require you to pay fees, fines, and judgments before restoring your driving privileges. There’s also a $50 reinstatement fee that must be paid prior to having your license’s suspension lifted.

Most car insurance companies will also charge a filing fee of their own for processing your SR-22 certification. This is usually a one-time fee of $50 or less. Your car insurance company will tell you more when you discuss your SR-22 insurance with them.

Key Takeaway Needing an SR-22 in Wyoming will raise the cost of your insurance premium.

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How an SR-22 impacts your insurance in Wyoming

An SR-22 in Wyoming will last for a minimum of three years from the date your driving privileges were restored.

Some violations will require a longer SR-22 period. The Wyoming DOT will inform you of how long you need to maintain your SR-22.

During your SR-22 period, you must not allow your car insurance to lapse.

If your insurance lapses

or gets canceled while you have an SR-22 in Wyoming, your license will be suspended and your SR-22 period will be extended.

Your SR-22 period will also be extended if you commit further traffic violations or are involved in an at-fault car accident.

Key Takeaway Wyoming requires an SR-22 certificate for a minimum of three years. Allowing your insurance to lapse or get canceled will lengthen this period.

MORE:

What happens if you’re caught driving with no car insurance?

How to find cheap car insurance in Wyoming

The best way to save money on car insurance is to shop around. Needing an SR-22 filing can be intimidating, but you should review as many quotes as possible and find the best rates available to you.

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