Cheapest SR-22 Car Insurance in Wisconsin: 2026 Rates and Requirements

Travelers offers the cheapest SR-22 car insurance in Wisconsin at $61/month for minimum coverage. Compare top providers, violation-specific rates and filing requirements.

Written by Mark Fitzpatrick

Updated: April 29, 2026

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Key Takeaways

Travelers is the cheapest SR-22 car insurance provider in Wisconsin, averaging $61 per month for minimum coverage across multiple violation types.

Wisconsin drivers with a DUI conviction pay an average of $65 per month for state minimum SR-22 coverage, roughly 76% more than the $37 per month paid by drivers with a clean record.

Wisconsin requires SR-22 filing for three years from the conviction date. A coverage lapse restarts the clock, and there is no grace period.

Cheapest SR-22 Insurance in Wisconsin

Travelers is the cheapest SR-22 car insurance provider in Wisconsin at $61 per month for minimum coverage. GEICO is second at $69 per month, just $8 more. Wisconsin drivers with a clean record pay $37 per month for minimum coverage, meaning SR-22 drivers pay 65% more for the same level of protection. Wisconsin uses OWI (operating while intoxicated) terminology rather than DUI. Both trigger the same SR-22 filing requirement.

Drivers who need the lowest possible monthly payment to reinstate their license should start with Travelers at $61 per month. Those financing a vehicle will need full coverage car insurance in Wisconsin, where Travelers also leads at $117 per month. Drivers with past credit issues can compare options through car insurance for drivers with bad credit.


Travelers	$61	$117	49%
Geico	$69	$177	29%
Allstate	$113	$197	11%
Nationwide	$114	$241	2%
Progressive	$138	$348	40%

Cheapest SR-22 by Violation in Wisconsin

Travelers is the cheapest SR-22 provider for most violation categories in Wisconsin, with its lowest rate appearing for drivers with multiple speeding tickets at $61 per month for minimum coverage. Senior drivers with a suspension pay the highest minimum coverage rate among non-"Other Violations" categories at $73 per month, a $12 monthly gap above the lowest violation-specific rate.

Data filtered by:


Drivers With Hit-And-Run Accident	Travelers	$63	$121	45%

Cheapest SR-22 Insurance in Wisconsin by City

Unity is the most affordable city for SR-22 insurance in Wisconsin, with the cheapest minimum coverage rate at $44 per month, while Milwaukee is the most expensive at $82 per month, a $38 monthly spread between the cheapest and priciest cities. Travelers is the cheapest company across most Wisconsin cities, including Green Bay, Fond du Lac, Allenton and Milwaukee, though GEICO leads in Madison with a minimum coverage rate of $63 per month.


Unity	Travelers	$44	$103	43%
Green Bay	Travelers	$51	$98	40%
Fond Du Lac	Travelers	$54	$103	39%
Allenton	Travelers	$57	$110	39%
Madison	Geico	$63	$149	26%
Milwaukee	Travelers	$82	$154	43%

Best SR-22 Insurance Companies in Wisconsin

Travelers earns the top spot for SR-22 insurance in Wisconsin by leading in affordability, offering the lowest rates in the state for drivers who need to reinstate a suspended license quickly and keep monthly costs as low as possible. Wisconsin SR-22 drivers who prioritize price will find Travelers the best car insurance company, as its rates remain consistently low across violation types and cities throughout the state.

Erie Insurance ranks second and distinguishes itself with the highest customer experience rating among Wisconsin SR-22 providers, making it the right choice for drivers who want responsive claims handling and service quality alongside competitive pricing.


Travelers	4.77	5	3.93	4.58
Erie Insurance	4.5	4.42	4.2	4.76
Geico	4.13	4.55	2.95	3.69
Auto Owners	4.07	3.72	3.4	5
Progressive	4.01	3.86	4.82	4.04

Top Pick for Cheapest SR-22 Rates in Wisconsin

Travelers

Travelers offers Wisconsin SR-22 drivers the lowest minimum coverage premium in the state at $61 per month, with a perfect affordability score that reflects its consistent pricing advantage across violation types and cities. The company's NAIC complaint ratio is 0.72, below the national median of 1.00, indicating fewer customer complaints than the industry average. Our research found that Travelers provides a reliable combination of low premiums and stable customer service, making it well suited for drivers focused on keeping reinstatement costs manageable. Travelers holds an AM Best financial strength rating of A++ (Superior), the highest available.

Top Pick for SR-22 Customer Experience in Wisconsin

Erie

Erie Insurance earns the highest customer experience rating among Wisconsin SR-22 providers, with minimum coverage averaging $55 per month for drivers with multiple speeding tickets, competitive for drivers who also want responsive service. Erie's NAIC complaint ratio of 0.55 is among the lowest of any major insurer, reflecting a strong track record of resolving policyholder issues. Our research found Erie's claims process to be straightforward and agent-accessible. Erie holds an AM Best rating of A+ (Superior).

How Much Is SR-22 Insurance in Wisconsin?

Wisconsin drivers with a DUI conviction pay an average of $65 per month for state minimum SR-22 coverage, compared to $37 per month for drivers with a clean record, a 76% increase for the same coverage level. Other violations carry lower SR-22 rates than a DUI. A single speeding ticket averages $46 per month for minimum coverage. Drivers can estimate their specific costs using the car insurance calculator for Wisconsin.

Data filtered by:


At Fault Accident ($1000-$1999 Prop Dmg)	State Minimum Liability Only	56	666	+$19/mo
Speeding 11-15 MPH over limit	State Minimum Liability Only	46	554	+$9/mo
DUI - BAC >= .08	State Minimum Liability Only	65	781	+$28/mo
Texting While Driving	State Minimum Liability Only	49	586	+$12/mo

SR-22 FILING FEE IN WISCONSIN

Wisconsin insurers charge a one-time filing fee to submit your SR-22 to the Wisconsin Division of Motor Vehicles (DMV). Fees run $15 to $50. This fee is separate from your insurance premium and from the $60 DMV license reinstatement fee that you pay directly to the Wisconsin DMV.

Wisconsin SR-22 Insurance Requirements

An SR-22 is not an insurance policy. It is a certificate of financial responsibility that your insurer files with the Wisconsin Division of Motor Vehicles (DMV) to confirm you carry at least the state minimum liability coverage. Wisconsin requires the SR-22 certificate to remain on file for three years from the conviction date, and it is triggered by events such as an OWI conviction, reckless driving, driving without insurance, or accumulating too many points. Wisconsin does not use an FR-44 form; the SR-22 is the only certificate type required here.

If your insurance lapses at any point during the three-year filing period, your license will be suspended immediately with no grace period, and the three-year SR-22 clock restarts from scratch. A single missed payment can extend your requirement by years. Reinstating your license requires paying a $60 reinstatement fee through the Wisconsin DMV portal or by mail, in addition to securing a new SR-22 filing. Drivers working through this process can find ways to lower their car insurance rates.

Wisconsin Minimum Liability Limits

SR-22 drivers in Wisconsin must carry at least the state minimum liability limits to keep their certificate valid. These limits determine how much your insurer will pay on your behalf if you cause an accident, and falling below them triggers an immediate license suspension.

$25,000 Bodily Injury Per Person

This limit covers medical expenses and related costs for a single injured person in an accident you cause. For SR-22 drivers, maintaining this minimum is non-negotiable. Any lapse in coverage that drops below this threshold will trigger an immediate license suspension and restart your three-year filing clock.

$50,000 Bodily Injury Per Accident

This is the maximum your insurer will pay for all bodily injuries combined in a single accident you cause. SR-22 drivers with only state minimum coverage may have personal financial exposure if total injury costs exceed $50,000, a real risk in multi-person accidents.

$10,000 Property Damage

This covers damage you cause to another person's vehicle or property in an at-fault accident. Wisconsin's $10,000 property damage minimum is among the lower limits in the country, meaning SR-22 drivers may want to consider higher limits to avoid out-of-pocket liability for newer vehicles.

SR-22 Filing Types in Wisconsin

Wisconsin issues two distinct SR-22 certificate types depending on whether you own a vehicle. The state does not offer a combined Operators-Owner certificate, so you must select the type that matches your situation when your insurer files with the Wisconsin Division of Motor Vehicles (DMV).

Owners Certificate

The Owners Certificate is required for drivers who own the vehicle they are insuring. Your insurer attaches the SR-22 to your existing auto policy and files it electronically with the Wisconsin Division of Motor Vehicles (DMV). This is the most common certificate type for Wisconsin SR-22 drivers.

Operators Certificate

The Operators Certificate, also called a non-owner SR-22, is for drivers who do not own a vehicle but still need to maintain proof of financial responsibility. It covers you when driving vehicles you do not own.

SR-22 Fees, Lapse Rules and Filing Process

Wisconsin's filing fee upper bound of $50 is among the higher ranges in this series, and the $60 reinstatement fee sits in the mid-range, but the OWI-triggered clock restart makes any lapse costly regardless of the fee amount.

SR-22 Filing Fee

Wisconsin insurers charge a one-time fee of $15 to $50 at policy inception to file your SR-22. This is a carrier-set fee, separate from your premium and from the $60 Wisconsin DMV reinstatement fee.

Coverage Lapse Consequences

Any lapse in coverage triggers immediate license suspension with no grace period. The three-year SR-22 clock restarts from scratch. A new SR-22 must be on file before license reinstatement.

Filing Process

Your insurer files electronically with the Wisconsin Division of Motor Vehicles (DMV). Processing takes 24 to 48 hours. The Wisconsin Division of Motor Vehicles confirms receipt within three to five business days.

WHAT TO DO IF INSURERS DENY YOU COVERAGE

If two or more standard market insurers deny you coverage, you may qualify for the Wisconsin Automobile Insurance Plan (WIAIP). WIAIP provides state minimum liability coverage (25/50/10) as a last resort. Apply through any licensed Wisconsin insurance agent. Rates are higher than voluntary market rates. See low-income car insurance Wisconsin for additional options.

SR-22 Insurance in Wisconsin: Bottom Line

Travelers is the cheapest SR-22 car insurance provider in Wisconsin at $61 per month for minimum coverage, the lowest rate available to drivers who need to reinstate a suspended license. Erie Insurance is the best choice for drivers who want more than just a low price, as its superior customer experience rating makes it the right pick for SR-22 drivers who expect responsive claims service and agent accessibility during a stressful reinstatement period. Before the three-year SR-22 period ends, confirm the exact expiration date with your insurer and request written confirmation from the Wisconsin Division of Motor Vehicles that your filing obligation has been satisfied.

Frequently Asked Questions About SR-22 Insurance in Wisconsin

What is SR-22 insurance in Wisconsin and who needs it?

An SR-22 is not a separate insurance policy. It is a certificate of financial responsibility that your insurer files with the Wisconsin Division of Motor Vehicles (DMV) to confirm you carry at least the state minimum liability coverage. Wisconsin requires it after serious violations including OWI convictions, reckless driving, driving without insurance, hit-and-run incidents, or accumulating too many points on your driving record. Your insurer files the certificate electronically, and the DMV confirms receipt within three to five business days.

How much does SR-22 insurance cost in Wisconsin after a DUI?

Wisconsin drivers with a DUI (called an OWI under state law) pay an average of $65 per month for state minimum SR-22 coverage, about $28 more per month than drivers with a clean record. The exact rate depends on your insurer, city, age and credit score. Travelers is the cheapest option for most OWI-related SR-22 filings in Wisconsin, while Erie Insurance offers the best combination of price and customer service quality.

How long is SR-22 insurance required in Wisconsin?

Wisconsin requires SR-22 coverage to remain on file for three years from the conviction date. If your insurance lapses at any point during this period, even for a single day, your license will be suspended immediately and the three-year clock restarts from the beginning. There is no grace period. Once the three-year period is complete, contact your insurer to remove the SR-22 filing and request written confirmation from the Wisconsin Division of Motor Vehicles that your obligation has been fulfilled.

Does credit score affect SR-22 insurance rates in Wisconsin?

Yes. Wisconsin allows insurers to use credit history as a rating factor, meaning SR-22 drivers with poor credit will pay more than those with good credit for the same coverage. This differs from states like California, where Proposition 103 prohibits the use of credit scores in auto insurance pricing. Wisconsin SR-22 drivers with poor credit should compare multiple insurers, as some weight credit more heavily than others. Improving your credit score during your SR-22 period can lead to rate reductions at renewal.

How much does the SR-22 filing fee cost in Wisconsin?

The SR-22 filing fee in Wisconsin is $15 to $50, set by your insurer and charged once at policy inception. This fee is separate from your monthly insurance premium and from the $60 Wisconsin Division of Motor Vehicles reinstatement fee that you must pay directly to the DMV. The DMV confirms your SR-22 filing within three to five business days of your insurer's electronic submission.

What should I do if Wisconsin insurers deny me SR-22 coverage?

If two or more standard market insurers deny you coverage, you may qualify for the Wisconsin Automobile Insurance Plan (WIAIP), the state's insurer of last resort. WIAIP provides state minimum liability coverage (25/50/10) to drivers who cannot get insurance through the voluntary market. Apply through any licensed Wisconsin insurance agent. You do not apply directly to WIAIP. Rates through WIAIP are higher than voluntary market rates, so it is worth exhausting standard market options first.

MoneyGeek analyzed SR-22 insurance rates from Quadrant Information Services across Wisconsin cities and violation types. SR-22 rates reflect coverage for drivers with suspended licenses or serious violations including OWI convictions, speeding convictions and at-fault accidents.

Clean record baseline rates reflect a 40-year-old male driver with a clean driving record, good credit and a 2012 Toyota Camry LE driving 12,000 miles annually. Coverage levels analyzed: state minimum liability (25/50/10) and full coverage (100/300/100 with $1,000 deductible). Learn more at our methodology.

MoneyGeek updates SR-22 insurance rate data for Wisconsin on a regular basis using the most recent data available from Quadrant Information Services. Provider scores and rankings reflect current data and are reviewed periodically to ensure accuracy. Last updated: 2025.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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