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Wyoming SR-22 Car Insurance (With Quotes)

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Courtney Roy

By: Courtney Roy

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Companies for SR-22 Insurance in Wyoming (2022)

For drivers with SR-22 in Wyoming, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after an SR-22.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Wyoming. The following are the best insurance rates from carriers that offer car insurance for drivers with an SR-22 in Wyoming.

CarrierAvg. Monthly Cost
Safeco$111
Dairyland$128

How Much Does SR-22 Insurance Cost in Wyoming?

In Wyoming, typically insurance companies charge around $25 for filing an SR-22. In Wyoming, there's also a $50 reinstatement fee. But it doesn't stop at that $75 total. There's also the bump to your insurance bill.

Fortunately, Wyoming's rates are competitive and rank seventh in the nation for cheapest car insurance. So you're starting pretty low before the SR-22 does its damage. Drivers with no violation pay $146 per month on average, and the SR-22 pops the price up to $181. If you do the math, you calculate a $35 increase, translating to a 24 percent higher premium.

No Violation - Avgerage Monthly Rate
$146
With SR-22 - Average Monthly Rate
$181
$35 ▴
23.97% ▴
Difference in Average Monthly Rate
Percent Change in Average Monthly Rate

Insurify's comparison tool will help you make sure you're getting the best possible quote even after an SR-22. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

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What Is an SR-22, and Who Needs One in Wyoming?

Drivers in Wyoming are required to get SR-22 insurance after a ticket for driving without insurance, a DUI, or another serious offense, or the state could take away your driving privileges. To get back on the road, you'll need an SR-22. It's a form that the insurance company files on your behalf with the state to prove you have insurance meeting the minimum coverage the law requires.

Many think the SR-22 is insurance or that it causes your rate to go up. It's simply paperwork, and the ticket or conviction is what actually kicks up your price. To start driving as cheaply as possible, compare coverages and quotes to find the best SR-22 company and cost.

How Much Does Credit Score Affect SR-22 Insurance Costs in Wyoming?

In Wyoming, the law allows insurance companies to use your credit when setting your rate. As you might expect, those with the best credit pay the least. Depending on your credit, you hand over about $40 more for having an SR-22, if you have a good credit score. Even with an SR-22, moving from poor to excellent credit could save you $40 per month, or $480 per year.

Credit TierAvg. Monthly Rate - No Violation Avg. Monthly Rate - SR-22 Difference
Excellent$148$183$35
Good$165$205$39
Average$166$206$40
Poor$180$223$43

How to Find the Best SR-22 Insurance Rate in Wyoming

Finding the best deal when you need an SR-22 can be a frustrating experience. You'll end up spinning your wheels, going from website to website, looking for a company that gives you the right match of price and coverage. Insurify takes all the hassle out of the process and allows you to compare quotes across the industry for your unique driving profile in just a few minutes. Unlike everything else with the SR-22, Insurify's online quote-comparison tool is 100 percent free.

Non-Owner SR-22 Insurance in Wyoming

Non-owner policies are for drivers who do not own a vehicle but still want to meet the law's requirements for an SR-22. Because you'll drive less, your non-owner policy will be cheaper than traditional car insurance. The non-owner policy will work for you if you drive rentals or occasionally borrow cars that belong to someone outside your household.

Alternatives to an SR-22 in Wyoming

What's the best way to avoid the SR-22 altogether? In Wyoming, there's no way to get around the process, apart from giving up driving. For most people, that's impossible. To make the best of a tough situation, you can compare coverages to find an affordable rate.

How Do I Get SR-22 Insurance in Wyoming

The first step in the process is finding a company that offers a price you can afford. Insurify is a free quote-comparison tool that allows you to unlock savings and discounts based on your unique driver profile. You can save time and money while securing the SR-22 needed to get back on the road as soon as possible.

Frequently Asked Questions

  • The state will decide the length of time you need an SR-22. The usual minimum is three years, while serious offenses can cause the time frame to increase.

  • Your SR-22 will effectively transfer from one state to another until your three years are up. Premiums change because states have different minimum coverage requirements. So it's always a smart idea to shop around for the best rate when you change locations.

  • Even if you don't own a car, the state will require an SR-22. In that case, you need a non-owner policy. It's surprisingly cheaper than standard car insurance because you're expected to drive less. Just make sure you only get it to drive rentals or the occasional borrowed vehicle from someone who doesn't live with you.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.

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