Cheapest SR-22 Car Insurance in Wisconsin (2024)

An SR-22 is a certificate verifying that you carry the minimum coverage auto insurance required by law, not an actual insurance policy. In Wisconsin, either you or your insurer must file an SR-22 form after certain moving violations like DUI or driving without insurance. While the SR-22 itself doesn't affect your rates, the infractions necessitating it can lead to higher premiums.

For those in need of SR-22 coverage, the two most affordable options are Western National at an annual rate of $296 and American Family at $418. These companies offer the cheapest state minimum coverage for drivers with a DUI on record.

If you don't own a vehicle but still require SR-22 certification, the two cheapest non-owner car insurance providers are Auto-Owners with a yearly rate of $287 and State Farm at $301.

The cheapest companies for minimum coverage SR-22 car insurance in Wisconsin are:

• Western National: $25 per month, $296 per year
• American Family: $35 per month, $418 per year

The least expensive providers for full coverage SR-22 insurance in Wisconsin are:

• American Family: $63 per month, $752 per year
• Chubb: $86 per month, $1,028 per year

After a moving violation, expect to pay more for car insurance, as you're seen as a high-risk driver. To find cheap SR-22 car insurance, it's important to compare quotes from various insurers. Whether you need minimum coverage auto insurance or full coverage car insurance, affordable rates are available.

The companies with the cheapest non-owner SR-22 insurance in Wisconsin are:

• Auto-Owners: $24 per month, $287 per year
• State Farm: $25 per month, $301 per year

Non-owner car insurance can fulfill the state minimum coverage requirements for individuals who need to file an SR-22 but do not own a vehicle. This type of insurance is crucial for those dealing with a license suspension, revocation or serious traffic violations.

For non-owner drivers, it's essential to find the most affordable provider to ensure compliance without overpaying for insurance coverage.

An SR-22 in Wisconsin is a form your insurer files with the state to prove you carry the minimum coverage auto insurance. It's not an insurance policy itself, but a certification required for those with certain traffic violations like DUI, driving without insurance or repeat traffic offenses.

The filing is handled by your insurance company, and you'll need to maintain an SR-22 for three years. If your SR-22 is canceled, terminated, or lapsed, the insurer must notify the state's Department of Public Safety.

An SR-22 verifies you have the following minimum car insurance requirements:

• $25,000 for bodily injury liability per person.
• $50,000 for bodily injury liability per accident.
• $10,000 for property damage liability per accident.

Without a car, you must get SR-22 non-owner car insurance. Remember, having an insurance ID card is not the same as having an SR-22.

Wisconsin drivers may be required to file an SR-22 through their insurance company following certain driving offenses. This form is a certificate of financial responsibility, ensuring that you carry the state minimum auto insurance coverage.

Filing an SR-22 is necessary to keep or reinstate your driver's license after violations such as OWI (operating while intoxicated), driving without insurance, or major traffic offenses. The requirement typically lasts for three years. A separate list will detail the specific convictions that mandate an SR-22 filing.

Filing an SR-22 in Wisconsin can lead to higher insurance rates and limited minimum coverage options. You might face additional filing fees, and insurers could deny you coverage or cancel your policy mid-term. It's important to keep your insurance active without any breaks, as any lapse may reset your SR-22 requirement, which is typically required for three years.

Knowing the consequences of not filing an SR-22 is vital. If you're required to file and fail to do so, you risk losing your driving privileges and facing legal penalties.

Below is the list of how an SR-22 negatively impacts your car insurance:

The average cost of SR-22 car insurance in Wisconsin for drivers with a DUI is $1,563 for full coverage and $639 for state minimum coverage. In comparison, drivers with a clean record pay $1,022 for full coverage and $403 for state minimum coverage annually.

The severity of your offense significantly affects your premiums. It's not the SR-22 certificate itself that raises your rates but the violations associated with it. Repeat offenders or those with severe violations may face non-renewal or increased rates upon renewal.

An SR-22 certificate is required for three years in Wisconsin. During this period, you must maintain minimum liability coverage of 25/50/10.

Filing an SR-22 in Wisconsin is crucial after major traffic offenses, including OWI. Without it, you risk losing driving privileges. It signifies you meet the minimum coverage requirements for three years.

Here are the steps to secure an SR-22 in Wisconsin:

If your SR-22 in Wisconsin lapses, your driving rights will be re-suspended. You must have minimum coverage insurance of 25/50/10. The cost for a new SR-22 varies, but it's necessary to reinstate your license.

A DUI can hike up your car insurance premiums but affordable coverage is still within reach. For a 30-59 year old, a clean record might cost around $403 annually, while a DUI record could raise it to $636. If you're navigating the SR-22 process, you're not alone. There are ways to find budget-friendly rates that comply with Wisconsin's minimum coverage requirements. For a deeper dive into managing car insurance after a DUI, resources are available to guide you through the options.

Securing affordable SR-22 car insurance in Wisconsin can be daunting due to higher rates. Get answers to commonly asked questions and find options that won't break the bank.