Best Cheap SR-22 Insurance Rates in Wisconsin

Best Cheap SR-22 Insurance Rates in Wisconsin

Find Cheap SR-22 Auto Insurance Quotes in Wisconsin

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Wisconsin drivers that have had their driver’s license revoked or suspended — often due to serious driving violations, such as a DUI or hit-and-run — may be required to obtain SR-22 insurance coverage. Drivers under 18 without a sponsor also need SR-22 insurance.

An SR-22 form filing provides legal proof that your insurance meets Wisconsin's minimum personal liability insurance requirements. An insurance company must file the SR-22 form on your behalf and will often charge a fee of less than $50.

However, the cost of a SR-22 insurance policy overall is often substantially higher, as policyholders with past driving violations are considered high-risk to insure.

How do I get SR-22 insurance coverage in Wisconsin?

To get SR-22 insurance coverage in Wisconsin, you’ll need to work with a car insurance company licensed to do business in the state.


Find an eligible insurer or contact your current carrier. Not all insurance companies provide SR-22 coverage, so confirm your current provider does or find a new provider that will file the SR-22 form on your behalf. If you're filing an SR-22 form as an under-18 driver, let the insurance company know that the filing is in lieu of sponsorship, meaning that you're applying for coverage to drive without a parent or guardian as a sponsor.


Pay the appropriate SR-22 fee. When your insurer files the SR-22 form on your behalf, it will typically charge a flat fee between $15 and $50.


Have an insurer file proof of insurance on your behalf. Your insurance company will file the SR-22 form directly, usually via mail or electronically with the Wisconsin Department of Transportation (DOT). Electronically-filed SR-22 certificates should be reflected on your driving record within a few business days.

insurance policy

Receive confirmation from the DMV. Upon processing the SR-22 form, the DMV should send you a letter confirming proof of insurance coverage and that you’re legally eligible to drive.

How long is SR-22 insurance coverage required in Wisconsin?

In Wisconsin, drivers are required to hold SR-22 insurance filings for three years from the date their licenses are eligible to be reinstated. Insurance companies will notify the Wisconsin DMV if you cancel or don’t renew your SR-22 policy. Letting SR-22 coverage lapse can result in loss of driving privileges, reinstatement fees and increased cost of car insurance.

To avoid a lapse in coverage, we recommend renewing your policy early — usually at least 30 days in advance — during the three years you're required to carry SR-22 insurance.

Once you've carried SR-22 coverage for more than three years following the date of license reinstatement eligibility, contact the Wisconsin DOT to verify that your requirement is complete. If it is, contact your insurance provider to inform the company that an SR-22 filing is no longer required.

How much does SR-22 insurance usually cost in Wisconsin?

SR-22 insurance could be more expensive than a standard, full coverage car insurance policy for two reasons: a fee and the greater risk you represent.

In Wisconsin, SR-22 rates vary greatly between different insurance companies. On our list of insurers, the cheapest option is USAA with an average annual rate of $429. Auto-Owners is the most expensive option at $2,060 per year on average.

This graph ranks SR-22 insurance quotes for 30-year-olds across varying insurers in Wisconsin.

Find Cheap SR-22 Auto Insurance Quotes in Wisconsin

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This list below shows each insurer’s average annual rates for a 30-year-old male with and without an SR-22 filing. The extreme differences between SR-22 insurance rates are an important reason drivers should always shop around to get multiple quotes.

Avg. cost per year
Avg. cost per year with SR-22 and DUI
% change
USAA logo
Erie logo
American Family logo
American Family$318$57580.82%
State Farm logo
State Farm$386$63363.99%
Progressive logo
Artisan & Truckers (Progressive)$615$80130.24%
Geico logo
Allstate logo
Auto-Owners logo
Auto Owners$662$2,060211.18%

The explicit cost for SR-22 insurance is the fee charged when your insurance company files the SR-22 form on your behalf. Insurers usually charge a nominal fee between $15 and $50. However, SR-22 insurance policies often end up costing more than typical auto insurance coverage if the SR-22 filing is required due to previous driving violations, such as a DUI or repeated traffic offenses.

The average cost of car insurance in Wisconsin is $105 per month for full coverage. A DUI alone can increase car insurance premiums by about 62%%, depending on your exact location and insurance provider. If, for example, a typical annual premium is $700 in Milwaukee or Madison, applying for SR-22 insurance due to a DUI on your driving record could increase the cost of car insurance to as much as $1,050 annually.

To find the cheapest rate for SR-22 insurance in Wisconsin, we recommend shopping around for SR-22 quotes from multiple insurers. Insurance companies assess risk differently and charge different prices accordingly, so searching for multiple quotes is often the best strategy to find cheap SR-22 insurance.

We also recommend inquiring about potential discounts, as drivers are often eligible for cost reductions based on their vehicle type, driving record, participation in a defensive driving course, being a good student and much more.

When is an SR-22 insurance certificate required in Wisconsin?

Filing an SR-22 form in Wisconsin provides proof of insurance coverage by demonstrating that you meet the minimum liability insurance coverage requirements in Wisconsin:

  • $25,000 bodily injury (BI) coverage per person injured in an accident
  • $50,000 BI coverage per accident
  • $10,000 property damage coverage

The state of Wisconsin requires proof of insurance coverage or financial responsibility, and thereby an SR-22 filing, in the following circumstances:

  • To acquire an occupational license, or a restricted driver's license, that enables citizens to maintain their employment and household duties after having their driving privileges revoked.
  • To reinstate a driver's license after driving privileges have been revoked or suspended, particularly due to a damage judgment, an accident with unpaid damages of $500 or more or violation of the uninsured motorists/safety responsibility law.
  • To drive under the age of 18 without a sponsor. In Wisconsin, all drivers under 18 are required to have a sponsor to obtain a driver's license or instructor's permit.

Serious driving violations such as DUIs or DWIs, hit-and-runs or reckless driving can result in revocation or suspension of a driver's license, as well as the need for an occupational license.

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