Non-owner car insurance in Wyoming

What companies offer non-owner coverage in Wyoming?

Quotes for 4 companies are listed, with the lowest rate shown first. Only military families can buy from USAA, whose price is $126.

Minimum coverage in Wyoming for a driver without a car

You can find Wyoming’s required coverage in Wyo. Stat. 31-9-102, found within Wyoming Statutes Title 31. If one person is injured, the limit is $25,000; when two or more are hurt, it rises to $50,000. Coverage for property damage must be at least $20,000. This is liability insurance, which pays the people you harm. A surety bond can take the place of the insurance, as allowed by Section 31-9-402. Cash or securities put on deposit also qualify.

The WYDOT Driver Services FAQ says the insurance requirement applies to everyone who drives on a public road, not just vehicle owners. A non-owner policy is designed for a borrower in that situation. The policy has to be issued by an insurer licensed to operate in Wyoming.

How is a Wyoming SR-22 sent to Driver Services?

After a crash, Wyoming will suspend any driver when WYDOT is unable to verify their policy online, regardless of who caused the accident. When the suspension takes effect, you need an SR-22 for three years. If you lack a car, a non-owner policy satisfies that.

An SR-22 is a form your insurance company submits to prove to the state that you have the necessary coverage. Under 31-7-128 and 31-7-127, WYDOT demands the filing for three years starting from the date a suspension or revocation begins. If you are convicted of driving uninsured, 31-4-103 requires three years of proof. You have 30 days to send in the form before your license gets suspended.

The crash process is detailed in the uninsured accident part of the WYDOT Driving Privilege Withdrawal guide. You can prevent the suspension by filing an SR-21 before it begins. This agent-verified form proves you had insurance that day, and a notarized release is another option. Should the suspension start, the SR-22 must be filed. Any lapse brings another suspension. The FAQ notes that electronic filing normally takes 24 to 72 hours.

Reinstatement in Wyoming, interlock licenses, and leaving the state

The WYDOT Driving Privilege Withdrawal guide shows the fee to reinstate your license. Almost every suspension comes with a $50 fee, but a child support hold is only $5. After a DWUI (driving while under the influence), you need an SR-22 before you can get a restricted license that requires an ignition interlock. An interlock is a breath-testing unit connected to the vehicle’s ignition.

Filing requirements do not end automatically just because you move away from Wyoming. Complete the Driver Services form for non-residents to show proof of financial responsibility and be released. You might still owe a fee. Report your new address to WYDOT within 10 days, because its mail is not forwarded.

How age affects Wyoming rates

Teenagers pay roughly $559 each year. For a 40-year-old driver, the minimum coverage on an owned car averages $339 yearly. That is roughly $69 above the $270 cost of a non-owner policy.