Cheapest SR-22 Car Insurance in Wisconsin

Western National offers the cheapest SR-22 insurance in Wisconsin at $25 per month for minimum coverage, 57% cheaper than the state average of $58. American Family is the most affordable for full coverage at $63.

Auto-Owners offers Wisconsin's cheapest non-owner SR-22 insurance at $24 monthly or $287 annually. Non-owner insurance helps drivers meet state minimum coverage requirements without owning a car. 

The table below shows providers and their average costs for minimum coverage.

The average cost of car insurance in Wisconsin for drivers with an SR-22 is $691 annually for minimum coverage, a 62% increase compared to the $427 paid by those with clean records.

Full coverage for SR-22 drivers costs about $1,643 annually, 52% higher than the $1,078 average for clean-record drivers.

Having an SR-22 form doesn't raise your insurance rate by itself. The type of violation determines the cost. Use the table below to compare SR-22 insurance prices for common violations across age groups in Wisconsin.

An SR-22 is a form showing you meet the state's minimum coverage requirements. Wisconsin requires drivers with certain violations to file an SR-22 to get their license back. Insurers see these drivers as high-risk, so they pay more for car insurance.

An SR-22, also called an SR-22 bond or certificate of financial responsibility, isn't an insurance policy. It’s a certification your insurer files to confirm that you have sufficient insurance to meet Wisconsin's Financial Responsibility law for license reinstatement.

Wisconsin requires drivers to have an SR-22 for three years after serious traffic violations. This form proves that you meet the state's minimum coverage requirements. To follow SR-22 laws, drivers must carry these liability limits:

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

In Wisconsin, SR-22 certificates are usually required for three years.

Along with using an SR-22 for three years to comply with Wisconsin's minimum coverage laws, drivers must follow these other rules:

• Fees: You must pay a fee to regain driving privileges and file the SR-22 form to prove liability coverage.
• Insurers' policies: After an SR-22 filing, your current insurer may cancel or refuse to renew your policy, requiring you to find a new provider.
• Continuous coverage: You must maintain uninterrupted coverage during the three-year SR-22 period. Lapses can result in penalties or license suspension, as insurers must notify the state of coverage gaps.
• Relocation: If you move out of Wisconsin during the SR-22 period, coordinate with your insurer for out-of-state filing.
• Cancellation: After completing the three-year requirement, your insurer must file a financial responsibility cancellation with the state, confirming you’ve fulfilled the SR-22 obligation.

To avoid penalties and reinstate your license after a serious violation, maintain coverage for the entire SR-22 period. If you don't have coverage already, you'll need an SR-22 insurance quote. Finding insurance with an SR-22 can be more difficult than for drivers with clean records, as insurers may cancel your policy or deny coverage when you file.

High-risk drivers in Wisconsin may find fewer companies offering coverage, often leading to higher premiums and limited choices. When getting an SR-22 insurance quote, check with your insurer for the exact fee amount if you're filing for the first time. Use these tips to find cheaper SR-22 insurance:

Non-owner insurance covers frequent drivers who don't own a vehicle. It’s ideal for renters or rideshare drivers, covering third-party injuries or property damage in accidents when driving someone else's car.

Non-owner insurance is often more affordable than standard coverage. Compare quotes from different insurers to find the best rates. After purchasing a non-owner policy, your insurer can file an SR-22 form to comply with state law and help reinstate your license after three years.

Wisconsin drivers with serious offenses need an SR-22 to meet the state minimum coverage requirements. The SR-22 is required for three years for major or repeated offenses. While SR-22 insurance costs more, cheap car insurance providers in Wisconsin are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Wisconsin:

MoneyGeek analyzed 127,836 quotes from nine companies across 258 ZIP codes to determine the average cost of car insurance premiums for Wisconsin drivers with various profiles and needs.

Wisconsin Driver Profile

We collected data for a sample driver with the following attributes:

• 40-year-old male
• Driving record with a DUI or an at-fault accident causing $1,000 to $1,999 in property damage
• 2012 Toyota Camry LE
• 12,000 miles driven annually

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Wisconsin's minimum coverage requirements, with the following limits:

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

For the most affordable policy with comprehensive and collision coverage — also called full coverage — we used the following limits with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Learn more about MoneyGeek's car insurance methodology.