Cheapest SR-22 Car Insurance in Wisconsin (2024)

State Farm and Western National offer Wisconsin’s cheapest rates for SR-22 car insurance, offering average annual premiums of $269 and $304, respectively. SR-22 car insurance is not a type of insurance but a form or certificate you must secure from the state after a driving violation. It proves your financial responsibility and compliance with the state’s minimum liability requirements for car insurance.

Drivers who don’t own a vehicle may need to purchase a non-owner SR-22 car insurance to cover liabilities. This policy is the cheapest from Auto-Owners and State Farm, with average annual premiums of $287 and $301, respectively.

The cheapest companies in Wisconsin for drivers with a DUI seeking a minimum coverage policy are:

• State Farm: $269 per year
• Western National: $304 per year

The cheapest SR-22 insurance for drivers looking for a full coverage policy are:

• State Farm: $677 per year
• American Family: $864 per year

Car insurance rates increase after a driving violation because insurers may perceive you as a high-risk client. However, you can still find affordable insurance rates by comparing rates from different providers.

The table below features the companies with Wisconsin’s lowest rates for SR-22 car insurance. Minimum coverage annual policies in the state for drivers with similar records range from $269 to $1,257.

An SR-22 is a certificate you may be required to obtain to prove your compliance with the state’s minimum car insurance requirements. It demonstrates your financial responsibility after committing specific driving violations, like a DUI. It’s not a type of insurance; it is a form you file with your state. Once you have an SR-22 certificate, your insurer may use it as a basis for your rates.

In Wisconsin, you need to keep the certificate for three years, starting from the date of reinstatement eligibility. The certificate will prove that you have liability insurance of $25,000 for death, $50,000 for personal injury and $10,000 for property damage.

Your insurer can file the SR-22 form with the DMV if licensed to do business in Wisconsin. Substitutions may also be allowed. Possible substitutions include a bond filed by your insurer or a $60,000 cash deposit with the DMV. An SR-22 can lead to more expensive rates because insurers may consider you a high-risk driver with a higher chance of filing claims.

Wisconsin’s cheapest companies for non-owner SR-22 car insurance are:

• Auto-Owners: $287 per year
• State Farm: $301 per year

Military members and veterans may find USAA a great non-owner SR-22 car insurance option. On average, a USAA policy costs $239 yearly, cheaper than any company we analyzed.

There may be instances where non-vehicle-owning drivers may need non-owner car insurance. Insurers design these policies for individuals who don't own a vehicle but still require coverage. You might need a policy if your car has been totaled and taken away. Non-owner car insurance is also necessary for your license reinstatement, as Wisconsin requires you to demonstrate financial responsibility.

The table below features Wisconsin’s cheapest car insurance companies for non-owner SR-22 car insurance. It also includes their average annual rates, starting from $287 up to $1,022 — with Auto-Owners Insurance Co being the most affordable and Kemper being the most expensive.

For drivers with a DUI, the average cost of car insurance in Wisconsin is $1,425 annually for full coverage and $618 annually for minimum coverage. Drivers with a DUI or offenses like speeding violations and at-fault accidents may need to file an SR-22 form. It’s best to contact your insurer if you have these violations on your driving record. This way, your provider can inform you of the process for obtaining an SR-22 certificate. Driving violations may affect your rates because insurers can consider you risky to insure. However, your rates will depend on your choice of insurer.

Drivers with violations may be required to secure an SR-22 certificate, which signifies financial responsibility. It means you’ve had a DUI or other offenses that may indicate you’re a high-risk customer to insure. As a result, insurers may charge you higher rates, as they think you’re more likely to get into accidents and file more claims. Your average car insurance costs may go from $378 yearly to $618 after a DUI.

Wisconsin requires an SR-22 certificate if your license has been suspended or revoked and you seek reinstatement. Drivers under 18 may also need an SR-22 if they don’t have a sponsor.

SR-22 car insurance is more expensive than policies for drivers with clean records. However, higher premiums aren’t the only consequence of SR-22 insurance. You might also face fewer insurance options, filing fees and possible policy termination. The potential effects of SR-22 car insurance include the following:

You may need to go through the following steps to obtain car insurance after a driving violation:

• Look for an insurance company that can accommodate drivers with violations on their records, file an SR-22 form for you and is licensed to do business in Wisconsin.
• Ensure that your insurance policy meets Wisconsin’s minimum car insurance requirements by checking the liability limits of your desired policy.
• Ask your insurer to file the SR-22 form. You may need to pay certain fees and have your insurance rates updated.

Following this process protects you financially after a violation and demonstrates your financial responsibility. You will also need your SR-22 certificate to reinstate your driver’s license or vehicle registration.

Insurers may see drivers with a DUI as risky customers, making SR-22 insurance expensive. Depending on your insurer, car insurance rates may be more expensive after a DUI. However, you reduce your premiums by comparing rates, looking for discounts and taking driver’s education programs. Here are some tips for accessing lower premiums despite having a poor driving history.

MoneyGeek answered frequently asked questions about SR-22 insurance in Wisconsin to help you find a policy that suits you best.