Updated May 2026
Minimum Coverage Requirements in Wyoming
Wyoming issues a Limited Purpose License that allows suspended drivers to operate a vehicle for employment purposes. The Wyoming Department of Transportation Driver Services Program administers the hardship program. You must submit employer verification, proof of SR-22 filing, and a completed hardship application before the restricted license is issued.
How Much Does Car Insurance Cost in Wyoming?
SR-22 insurance with a Limited Purpose License in Wyoming costs $110-$180 per month for minimum liability coverage, depending on the underlying suspension cause. DUI-related suspensions generate the highest premiums. Non-owner SR-22 policies run $30-$60 per month if you don't own a vehicle.
What Affects Your Rate
- DUI suspension adds $80-$140 per month compared to points-based suspensions in Wyoming due to risk classification and SR-22 requirement duration
- Cheyenne and Casper drivers pay 15-20% more than rural Wyoming counties due to higher accident frequency and theft rates in metro corridors
- Drivers under 25 with a suspended license pay 30-40% more than drivers over 30 with identical violation records
- SR-22 filing fee is $25-$50 one-time with most carriers, plus Limited Purpose License application fee of $25 payable to Wyoming DOT
- Non-owner SR-22 policies cost 50-65% less than standard SR-22 policies if you don't own a vehicle and only need employer or occasional-use coverage
- Adding a second driver to your SR-22 policy increases premium by 40-60% because Wyoming requires all household drivers to be listed or formally excluded
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Get Your Free QuoteCoverage Types
Employment-Hardship SR-22 Insurance
SR-22 is a certificate filed by your insurance carrier with Wyoming DOT proving you carry continuous liability coverage. Required before a Limited Purpose License is issued.
Work-Restricted License Coverage
Liability insurance at Wyoming's 25/50/20 minimum covers injury and property damage you cause while driving under a Limited Purpose License.
Non-Owner SR-22 for Commuters
Non-owner SR-22 provides liability-only coverage when you drive vehicles you don't own, and fulfills Wyoming's SR-22 filing requirement for Limited Purpose License eligibility.
Uninsured Motorist Coverage
Covers your medical bills and lost wages if you're hit by a driver without insurance. Wyoming does not require UM coverage, but nearly 1 in 4 Wyoming drivers operates uninsured.
Commercial-Exclusion Personal Coverage
Personal auto policies typically exclude coverage when you're driving for commercial purposes. If your job requires delivering goods, transporting passengers, or using your vehicle for business beyond commuting, your personal SR-22 policy may not cover you.
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Sources
- Wyoming Department of Transportation Driver Services Program — Limited Purpose License requirements
- Wyoming Statutes Title 31 Transportation — suspension and hardship license provisions
- Insurance Research Council — Uninsured Motorists Study
- National Association of Insurance Commissioners — SR-22 filing data