Hitting the road in Wyoming requires valid car insurance, and for some drivers, that might include an SR22 filing. If you’ve received a DUI or other serious driving violation, SR22 insurance could be on your plate. Cheap Insurance dives deep into affordable SR22 insurance in Wyoming.
Key Takeaways:
- SR22 insurance isn’t a separate policy, but a filing showing you have minimum car insurance coverage required by Wyoming.
- DUIs, reckless driving, and other violations can trigger an SR22 filing to reinstate your license.
- Expect to pay more for SR22 insurance compared to standard coverage, with costs varying based on your driving record.
- Shop around for cheap SR22 insurance quotes from multiple insurers, including your current provider and companies specializing non standard car insurance for high-risk drivers.
- Maintaining a clean driving record after your violation can lead to lower insurance premiums in the future.
What is SR22 Insurance and Why Do I Need It in Wyoming?
SR22 insurance isn’t a separate type of insurance policy. Instead, it’s a financial responsibility filing that your insurance company submits to the Wyoming Department of Motor Vehicles (DMV). This filing demonstrates you have the minimum car insurance liability coverage required by the state.
Here are some scenarios where you might need an SR22 filing in Wyoming:
- A DUI conviction
- Driving without insurance
- Reckless driving
- Multiple speeding tickets
- Failing to appear in court for a traffic violation
- Causing an accident without insurance
If you fall into one of these categories, the Wyoming DMV might require you to file an SR22 for a specific period (typically 3 years) to reinstate your driver’s license or maintain driving privileges.
How Much Does SR22 Insurance Cost in Wyoming?
The cost of SR22 insurance in Wyoming varies depending on several factors, but generally, you can expect to pay more than standard car insurance. Here’s a breakdown:
Average Cost: Expect to pay between $620 and $1,170 per year for SR22 insurance in Wyoming.
Minimum vs. Full Coverage: Minimum coverage SR22 insurance for a DUI can cost around $442 annually, while full coverage car insurance may reach $1,631.
What Factors Affect the Cost of SR22 Insurance in Wyoming?
Several factors influence the cost of your SR22 insurance in Wyoming. Here are some of the key factors:
- The severity of your driving violation: A DUI will likely result in a higher cost for any vehicle insurance compared to a speeding ticket.
- Your driving record: Past accidents, violations, and the time since your offense all play a role.
- Your age: Younger drivers typically pay more for car insurance, and this applies to SR22 coverage as well.
- Your car: The type of vehicle you drive (sports car vs. sedan) can affect your automobile insurance cost.
- Your driving history since the violation: If you’ve maintained a clean driving record since your offense, you might see affordable auto insurance.
How Can I Get Inexpensive SR22 Insurance Quotes in Wyoming?
Finding affordable SR22 insurance in Wyoming requires shopping around and comparing auto insurance quotes in Wyoming from multiple companies. Here are some tips:
- Contact your current car insurance provider: They might be willing to add the SR22 filing to your existing policy.
- Shop online and compare affordable SR22 insurance quotes: Several insurance companies specialize in high-risk drivers and offer SR22 insurance. Get online car insurance quotes from these companies.
- Consider non-standard insurers: Companies that cater to drivers with less-than-perfect records might offer low cost car insurance.
- Ask about discounts: Some insurers provide discounts for good driving habits after a violation, such as completing defensive driving courses.
- Focus on maintaining a clean driving record: This will significantly improve your chances of getting the cheapest car insurance.
How Long Does an SR22 Stay on My Record?
The length of time an SR22 filing stays on your record in Wyoming depends on the reason you need it. Typically, it’s required for 3 years from the date your driving privileges are reinstated. However, the specific timeframe can vary depending on the court order or DMV requirement.
It’s crucial to maintain continuous SR22 coverage throughout the required period. If your automobile insurance lapses, your insurance company is obligated to report it to the DMV, which could result in a suspended license.
SR22 insurance can be an additional expense for Wyoming drivers with certain driving violations. However, by understanding the requirements, shopping around for affordable car insurance quotes, and maintaining a clean driving record, you can minimize the financial impact. Remember, SR22 insurance is a temporary requirement that helps ensure financial responsibility on the road. Once the filing period is over, you can focus on finding the least expensive car insurance policy with the best coverage.
