Auto Insurance with an SR-22 in Wyoming

The Zebra
Nov. 16, 2018

If you're required by law to get an SR-22 in Wyoming, you're not the only one. This fairly common legal requirement is triggered by a citation like a DUI, a citation for driving without proof of insurance, an at-fault collision, a ticket for driving with a suspended license, or accumulating excessive points on your license.

Getting affordable insurance with an SR-22 certificate in Wyoming might not be easy, but the savings are worth the trouble. We examined how much a Wyoming SR-22 typically costs and how to get one — let's take a look.


Find affordable car insurance after an SR-22!



How much does Wyoming SR-22 insurance cost?

Insurance with an SR-22 requirement in Wyoming tends to be costly. This isn't a direct cost of the certificate — filing fees could be as cheap as $15 to $35 — but a product of the insurance rate increases from the issue that prompted the SR-22.

Insurance companies charge risky drivers more on account of the more substantial risk of an incident. The price increase you could face depends on the frequency and severity of your violations — listed below are average insurance prices after an SR-22 in Wyoming.


WYOMING CAR INSURANCE RATES AFTER COMMON VIOLATIONS
High-risk rating factorAverage yearly rateIncrease vs. clean record
No violations$1,338.41
At-fault accident (>$2,000)$1,628.00$289.59
Speeding (21-25 mph > limit)$1,766.87$428.46
Reckless driving$2,184.08$845.67
Racing$1,793.00$454.59
Leaving the scene of an accident$1,960.88$622.47
DWI$2,296.19$957.78

If you want to purchase affordable auto insurance with an SR-22 certificate, The Zebra is ready to assist. Enter your ZIP code below to find personalized auto insurance quotes from top insurers.


How to get an SR-22 in Wyoming


Currently insured:

With an active insurance policy, obtaining an SR-22 certificate isn't too tough. Just call your insurer and ask them to file an SR-22 certificate request on your behalf. If your insurance company isn’t willing to file a request, you’ll need to shop for a new policy with a new insurance company.

For uninsured drivers:

When applying for auto insurance, you might be saddled with an up-front fee to cover the SR-22 request and to account for your less-than-optimal insurance profile. Needing an SR-22 certification could keep you from getting coverage from some companies, while others would be happy to sell you a policy.

For drivers who don’t own a vehicle:

Not owning a vehicle makes it tougher to get an SR-22, since you typically need to show proof of insurance to get a certificate. If you don't own a vehicle, purchase a non-owners auto insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it won’t provide protection for physical damages to your vehicle.

Methodology

Between September and December 2017, The Zebra performed auto insurance rate analysis using its proprietary quote engine, incorporating data from rating platforms and public rate filings. The Zebra assessed nearly 53 million rates to identify trends for specific car insurance pricing factors across all U.S. ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.

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