Wyoming Hardship License Insurance After Suspension
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 as a fault-based state, meaning the at-fault driver's liability insurance pays for damages. The state requires proof of financial responsibility after most suspensions, typically satisfied through SR-22 filing. Wyoming Department of Insurance regulations mandate continuous coverage — any lapse restarts the SR-22 filing clock and can extend the underlying suspension period.
Bodily Injury Liability
Property Damage Liability
SR-22 Filing
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
What Affects Your Rate
- DUI convictions increase premiums 150–200 percent for the first three years of SR-22 filing.
- Rural zip codes outside Cheyenne and Casper typically see 10–15 percent lower base rates, offset by limited carrier availability.
- Drivers under 25 pay approximately 40–60 percent more than drivers over 30 with identical violation history.
- Continuous coverage with no lapses for 12 months can reduce SR-22 premiums by 15–25 percent with some non-standard carriers.
- Multiple violations within 24 months may limit you to state-assigned risk pool coverage, which runs 30–50 percent higher than voluntary non-standard market rates.
Get Insured for the Drive to Work
Keep Driving to WorkIf 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 does Wyoming require SR-22 filing after a DUI?
Wyoming typically requires SR-22 filing for three years after a DUI conviction, measured from the conviction date, not the filing date. The Wyoming Department of Transportation tracks the filing electronically — any coverage lapse during the three-year period restarts the clock and extends the total filing duration.
Can I get a hardship license immediately after suspension in Wyoming?
Wyoming allows hardship license applications 30 days after most suspensions, but DUI cases require completion of a court-ordered alcohol education program before the hardship hearing. Application approval depends on proving employment necessity and submitting employer documentation of work hours and routes — approval is not automatic.
Which insurance carriers write SR-22 policies in Wyoming?
Non-standard carriers writing SR-22 in Wyoming include Bristol West, Dairyland, The General, GAINSCO, and Safe Auto. Availability varies by county — some carriers decline hardship license applicants with DUI convictions in the past 12 months, limiting you to state-assigned risk pool coverage at significantly higher rates.
Does Wyoming require an ignition interlock device for a hardship license?
Wyoming requires an ignition interlock device for all DUI-related hardship licenses — the court orders IID installation as a condition of the restricted driving privilege. The device must remain installed for the entire hardship license period, typically 12–24 months, and any circumvention attempt or failed test triggers immediate license revocation.
Can I drive to locations other than work with a Wyoming hardship license?
Wyoming hardship licenses restrict driving to approved purposes only — typically work, court-ordered programs, medical appointments, and childcare. Some courts approve grocery shopping on approved routes. Driving outside approved hours or routes violates the hardship license terms, triggers immediate revocation, and often extends the underlying suspension by 6–12 months.
Coverage Types
SR-22 Insurance
Electronic filing that proves you carry Wyoming's required liability coverage. The SR-22 stays active for three years in most DUI and multiple-violation cases, measured from the violation date.
Non-Owner SR-22
Liability-only SR-22 policy for drivers who don't own a vehicle but need to maintain their hardship license. Satisfies Wyoming's proof of financial responsibility requirement without insuring a specific car.
Liability Insurance
Covers injuries and property damage you cause to others. Wyoming requires 25/50/20 minimums, but serious accidents on I-80 or rural two-lane highways regularly generate claims exceeding state minimums.
Uninsured Motorist Coverage
Pays your medical bills and lost wages when you're hit by a driver with no insurance. Wyoming does not require this coverage, but you must reject it in writing at policy inception.
Non-Standard Auto Insurance
Coverage written by carriers that specialize in high-risk drivers — DUI convictions, suspended licenses, SR-22 filing requirements, and multiple violations. Standard carriers typically decline these applications.