Wisconsin SR-22 Insurance: What It Is and How Much It Costs

Wisconsin drivers convicted of a serious traffic violation, like driving uninsured or driving under the influence (DUI), need SR-22 insurance coverage. An SR-22 is the form filed by the convicted driver’s auto insurance company with the Wisconsin's DMV. This form confirms that the driver meets the state’s minimum car insurance requirements. While USAA offers the cheapest SR-22 insurance in Wisconsin at $360 per year, its services are available only to veterans, current military members and their families. The next most affordable provider in the state is State Farm, with average yearly rates of $411 for minimum DUI coverage.


Which Wisconsin Insurance Companies Offer the Cheapest SR-22 Insurance?

The severity of the driving violation makes SR-22 insurance more expensive than a regular auto insurance policy. Only a small fee is needed to file the SR-22 form, but the associated offense can drive up SR-22 insurance rates. In Wisconsin, minimum coverage SR-22 insurance costs around $958 per year on average for a DUI. This rate is much higher than the average annual rate of $473 for a similar policy without an SR-22.

MoneyGeek’s data shows that USAA is the least expensive firm for SR-22 car insurance in Wisconsin. However, keep in mind that this provider only serves customers with a military background. For the general public, the cheapest provider is State Farm, with average yearly premiums of $411 for minimum DUI coverage.

Cheapest Companies for SR-22 Insurance in Wisconsin

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These prices are for a policy meeting Wisconsin’s minimum auto insurance requirements or for a full-coverage plan covering $100,000 in bodily injury liability costs per person, $300,000 per accident and $100,000 in property damage costs. Average insurance rates can differ from provider to provider. The overall cost of insurance will be higher with an SR-22 because of rate increases, form filing costs and the loss of good driver discounts. To find cheap SR-22 insurance in Wisconsin, plan to compare quotes from at least three companies.

Key Takeaways


A nominal fee of $25 is enough for SR-22 form filing.


You’ll likely lose your good driver discounts, which will make SR-22 coverage more expensive.


Serious violations can significantly increase SR-22 insurance premiums.

What Is SR-22 Insurance in Wisconsin? Who Needs It? How Do You Get It?

SR-22 insurance does not refer to a particular kind of car insurance policy. SR-22 is simply the name of the form submitted by your insurer certifying you meet the state’s minimum car insurance requirements after a traffic offense conviction, like a DUI. While premiums will always be higher after a DUI, you can compare rates to find cheap DUI insurance. Car insurance companies are required to file SR-22 forms digitally for their convicted policyholders, but each provider may have its own rules regarding this service.

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Drivers convicted of a severe traffic violation need an SR-22 filing to confirm they meet Wisconsin’s minimum liability coverage regulations. These standards include:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
  • $25,000 uninsured motorist coverage per person
  • $50,000 uninsured motorist coverage per accident

Who Needs SR-22 Insurance in Wisconsin? And for How Long Do They Need It?

Every state has its own rules that determine which violations require SR-22 insurance. In Wisconsin and other states, you’ll need to file for SR-22 coverage if you’re convicted of any of the following severe offenses:

  • Reckless driving
  • DUI
  • Driving with a suspended license
  • Driving without insurance coverage

Minor violations typically do not need an SR-22. To find cheap insurance after an accident or ticket, you should aim to shop around and compare prices. The insurance cost is likely to be less for these minor violations than violations that require an SR-22 policy.

If you’re wondering how long you need SR-22 insurance in Wisconsin, the answer is three years, in most cases. However, depending on the seriousness of the offense, this period can be longer.

How Do You Get SR-22 Insurance in Wisconsin?

Though Wisconsin mandates that a convicted driver’s car insurance company file an SR-22 form on their behalf, some providers may decline to do so if they determine the driver to be a high-risk customer. Once a driver does find SR-22 coverage, they will still have to pay higher rates compared to a standard auto insurance policy.


Non-Owner SR-22 Insurance in Wisconsin

Your driving license can get suspended in Wisconsin if you have a driving violation such as a speeding ticket, a DUI or any other major traffic violation on your record. To get your license back, you will need to purchase non-owner SR-22 insurance. This rule applies even if you do not have a car.

Non-owners SR-22 insurance makes it possible for drivers who regularly rent cars or borrow cars from friends or family to save money on their car insurance coverage costs.

According to MoneyGeek, the average cost of non-owner insurance in Wisconsin is $417 per year. The company offering the lowest rate is USAA at roughly $180 per year, although its policy is exclusively provided to former and current military members. Second to USAA is GEICO, with an average cost of $280 per year.

The Average Cost of Non-Owner SR-22 Car Insurance in Wisconsin

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The rates used to determine the average cost of non-owner car insurance in Wisconsin are for drivers with a DUI on their record. The policies cover a bodily injury liability coverage of $50,000, $100,000 in bodily injury liability per accident and a property damage liability limit of $50,000 per accident.

FAQs About SR-22 Insurance in Wisconsin

MoneyGeek answered frequently asked questions about SR-22 insurance in Wisconsin to help you find the best providers and rates.

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MoneyGeek analyzed insurance premiums from 13 of the top insurance companies in Wisconsin that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Wisconsin. Quotes were gathered for policies that meet the state’s minimum coverage requirements and for full coverage policies with $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage liability per accident. Rates are for the same driver with both a clean record and a DUI.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.