Non-Owner Car Insurance
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Non-Owner Car Insurance — Wyoming

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

Non-Owner Liability Requirements in Wyoming

The state does not mandate uninsured motorist coverage, but most non-owner policies include it. For drivers under mandatory suspension or revocation, Wyoming Department of Transportation (WYDOT) Driver Services requires an SR-22 filing for 3 years, measured from the conviction or suspension date.

Bodily Injury Liability

Covers injury you cause to others while driving a borrowed, rented, or shared vehicle. A non-owner policy provides this liability without requiring you to own a car, and sits secondary to any coverage on the vehicle you drive.

Property Damage Liability

Pays for damage you cause to another person's property — typically their vehicle — while driving. This is the only physical-damage coverage a non-owner policy provides; it never covers damage to the car you are driving, because you own no vehicle to insure.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance. Wyoming does not mandate uninsured motorist on non-owner policies, but Dairyland, Geico, Progressive, and USAA typically include it.

Non-Owner SR-22 Filing

Wyoming requires an SR-22 for DUI/DWUI convictions, mandatory revocations under W.S. 31-7-127, and operating without a license or an unregistered vehicle. The filing period is 3 years from the conviction date. Dairyland, Bristol West, Farmers, Geico, National General, Progressive, The General, and USAA file non-owner SR-22s in Wyoming; the carrier files electronically with WYDOT Driver Services.

Non-Standard Auto Coverage

Non-owner policies for drivers with violations, lapses, or SR-22 requirements fall into the non-standard tier. Bristol West, Dairyland, National General, and The General specialize in non-standard non-owner in Wyoming. Rates reflect the filing requirement and driving history, but the policy structure remains liability-only.

What Shapes Non-Owner Costs in Wyoming

$23/mo

Typical monthly rate in Wyoming, non-owner policies

Rate data: Insure.com, 2026

What Affects Your Rate

  • SR-22 filing requirement: Wyoming mandates a 3-year SR-22 for DUI/DWUI, mandatory revocations, and operating without a license. The filing adds cost and limits carrier options to the 8 that write non-owner SR-22s in Wyoming.
  • Driving history: DUI convictions, at-fault accidents, and lapses push you into non-standard underwriting. Bristol West, Dairyland, National General, and The General write non-standard non-owner policies in Wyoming.
  • Liability limits above minimum: Raising limits from Wyoming's 25/50/20 to 50/100/50 or 100/300/100 increases premium but provides more protection. Non-owner policies allow higher limits; collision and comprehensive are never available.
  • Uninsured motorist coverage: Optional in Wyoming, but Dairyland, Geico, Progressive, and USAA typically include it.
  • Carrier tier: Preferred carriers (USAA, Farmers) charge more than non-standard specialists (Bristol West, Dairyland, The General) for the same non-owner profile. If you need an SR-22, your carrier options narrow to the 8 that file non-owner SR-22s in Wyoming.
  • Continuous coverage: A lapse before buying a non-owner policy can raise rates.
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Stay Insured Without Owning a Car

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If 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

What does non-owner car insurance cover in Wyoming?

A Wyoming non-owner policy covers bodily injury and property damage liability — at least the state's 25/50/20 minimum — when you drive a borrowed, rented, or shared vehicle. It does not cover collision, comprehensive, or any physical damage to the car you drive, because you own no vehicle to insure. Most non-owner policies in Wyoming also include uninsured motorist coverage, though the state does not mandate it.

Can I get an SR-22 without owning a car in Wyoming?

Yes. Wyoming requires an SR-22 for 3 years after a DUI/DWUI, mandatory revocation, or operating without a license, even if you own no vehicle. A non-owner policy satisfies the SR-22 requirement. Dairyland, Bristol West, Farmers, Geico, National General, Progressive, The General, and USAA file non-owner SR-22s in Wyoming; the carrier files electronically with WYDOT Driver Services.

Which carriers write non-owner insurance in Wyoming?

Dairyland, Bristol West, Farmers, Geico, National General, Progressive, The General, Travelers, and USAA write non-owner policies in Wyoming. Of these, Dairyland, Bristol West, Farmers, Geico, National General, Progressive, The General, and USAA also file non-owner SR-22s. If you need an SR-22 after a violation, your carrier options narrow to the 8 that file.

How long does Wyoming require an SR-22 filing?

Wyoming requires SR-22 filing for 3 years from the conviction or suspension date, not the filing date. The requirement applies to DUI/DWUI convictions under W.S. 31-7-128, mandatory revocations under W.S. 31-7-127, and operating without a license. The carrier files electronically with WYDOT Driver Services and must maintain the filing for the full 3 years.

Does a non-owner policy in Wyoming cover rental cars?

A Wyoming non-owner policy provides secondary liability coverage when you rent a car — it sits behind the rental company's liability coverage and your credit card's coverage if applicable. It does not cover physical damage to the rental car itself; you need the rental company's collision damage waiver for that. The non-owner policy covers liability for injury or damage you cause while driving the rental.

How much does non-owner insurance cost in Wyoming with an SR-22?

Non-owner premiums in Wyoming vary by driving history, the SR-22 filing requirement, and the carrier tier. A clean-record non-owner policy costs less than one carrying a 3-year SR-22 after a DUI. Bristol West, Dairyland, National General, and The General specialize in non-standard non-owner SR-22 policies; rates reflect the violation severity and the 3-year filing period. Individual rates vary; compare carriers that file non-owner SR-22s in Wyoming.

Coverage Types

Non-Owner Liability Insurance

Bodily injury and property damage liability for drivers who own no vehicle. Covers injury and damage you cause while driving a borrowed, rented, or shared car. Secondary to any coverage on the vehicle driven.

Non-Owner SR-22 Insurance

A non-owner policy that files the SR-22 certificate Wyoming requires for 3 years after DUI, mandatory revocation, or operating without a license. The carrier files electronically with WYDOT Driver Services.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. Optional in Wyoming, but most non-owner carriers include it. Covers your medical bills and lost wages up to your policy limit.

Non-Standard Auto Insurance

Coverage for drivers with violations, lapses, or SR-22 requirements who cannot qualify for preferred or standard tiers. Non-standard carriers specialize in high-risk profiles and file SR-22s.

Find Your City in Wyoming

Cheyenne

suburbanNon-owner rates in Cheyenne reflect urban density and the SR-22 filing requirement where applicable; individual rates vary by driving history and carrier tier.

Cheyenne's I-25 and I-80 interchange sees high commute density; non-owner drivers borrowing cars for work commutes benefit from uninsured motorist coverage given the 6.7% uninsured rate.

Casper

suburbanNon-owner premiums in Casper vary by whether an SR-22 filing is required and the liability limits selected above Wyoming's 25/50/20 minimum.

Casper's winter road conditions and oil-field commute traffic increase accident risk; non-owner policies provide liability for drivers regularly borrowing vehicles in these conditions.

Laramie

urbanNon-owner rates in Laramie are typically lower for clean-record drivers and higher for those needing an SR-22 filing after a violation.

Laramie's college-student population includes many non-car-owners who borrow household vehicles; non-owner policies provide liability that follows the driver rather than the car.

Gillette

urbanNon-owner premiums in Gillette reflect the driver's history and whether a 3-year SR-22 filing is required; rates vary by carrier tier.

Gillette's energy-sector workforce includes many who sold vehicles before relocating; non-owner policies maintain continuous coverage and avoid Wyoming's $50 reinstatement fee for lapses.

Rock Springs

urbanNon-owner rates in Rock Springs vary by driving history, SR-22 filing requirement, and the liability limits selected; individual rates depend on carrier underwriting tier.

Rock Springs' I-80 corridor and truck traffic create higher accident exposure; non-owner drivers benefit from liability limits above Wyoming's 25/50/20 minimum when borrowing vehicles regularly.