Suspended License Insurance
Get a Quote

Wyoming Suspended License Reinstatement Guide

Wyoming requires 25/50/20 minimum liability coverage — $25,000 per person, $50,000 per accident for bodily injury, $20,000 for property damage — with average rates of $90–$140/month for suspended drivers. SR-22 filing is required for DUI, reckless driving, and certain violation-based suspensions, but not for administrative suspensions like unpaid fines. Reinstatement fees start at $200 and vary by suspension type.

Commercial Auto — insurance-related stock photo

Updated March 2026

State Requirements

Wyoming operates under a traditional tort liability system, requiring all drivers to carry proof of financial responsibility. The state mandates liability insurance with minimum limits of 25/50/20, and penalties for driving uninsured include license suspension, fines up to $750, and vehicle impoundment. Wyoming Department of Transportation oversees reinstatement procedures and SR-22 filing requirements, which apply specifically to DUI convictions, reckless driving, and accumulation of 12 points within 12 months.

Cost Overview

Wyoming's average auto insurance rates for suspended drivers range from $90–$140/month, approximately 60–90% higher than standard rates due to SR-22 filing status and high-risk classification. Rates vary significantly between rural counties with minimal collision risk and urban corridors like I-80 where weather-related accidents spike claims. Drivers without a vehicle can secure non-owner SR-22 policies for $35–$65/month to satisfy reinstatement requirements.

Minimum Coverage
State-required 25/50/20 liability with SR-22 filing. Satisfies reinstatement conditions but leaves you financially exposed beyond minimum limits.
Standard Coverage
Increased liability limits (50/100/50) plus uninsured motorist coverage. Recommended for suspended drivers who own a vehicle and need protection against Wyoming's 11% uninsured driver rate.
Full Coverage
Comprehensive and collision added to liability and uninsured motorist. Necessary if you have a loan or lease, or drive in rural Wyoming where wildlife collisions and hailstorms are frequent. Deductibles of $1,000 reduce premiums by 15–25% for suspended drivers.

What Affects Your Rate

  • Suspension type: DUI suspensions increase premiums 80–120% over the minimum, while administrative suspensions (unpaid tickets, failure to appear) add 50–70%.
  • SR-22 duration: Wyoming requires 3-year SR-22 filing for DUI, 2 years for reckless driving, and 1 year for uninsured violations — longer filing periods correlate with higher annual costs.
  • County location: Laramie and Albany counties average $95–$125/month for SR-22 policies, while Teton County (higher vehicle values, tourism traffic) ranges $140–$190/month.
  • Non-owner policies: Suspended drivers without a vehicle pay $35–$65/month for non-owner SR-22 coverage, 60–70% less than standard policies.
  • Points and violations: Each point over 12 within 12 months adds approximately 8–12% to your premium; drivers reinstating after point suspension typically pay 20–35% above SR-22 base rates.
  • Age and experience: Drivers under 25 with suspended licenses pay 40–60% more than drivers over 30 reinstating from the same violation type.

Compare Auto Insurance Rates in Wyoming

Coverage Options

Find Your City in Wyoming

Cheyenne, Wyoming cityscape and street view

Cheyenne

suburban
Casper, Wyoming cityscape and street view

Casper

suburban
Downtown Texarkana wooden sign in snow with blue staircase structure behind it

Laramie

urban
Large pile of scattered trash and debris in remote landscape with mountains and cloudy sky in background

Gillette

urban
Steam rising from geothermal ground with evergreen forest and cloudy sky in background

Rock Springs

urban

Frequently Asked Questions

Sources

  • Wyoming Department of Transportation Driver Services — wydot.gov/driver-license-id
  • Wyoming Department of Insurance — doi.wyo.gov
  • Insurance Research Council uninsured motorist data (2023)

Get Your Free Quote in Wyoming