Cheapest SR-22 Car Insurance in Wisconsin

Travelers has Wisconsin's lowest SR-22 insurance premiums at $763 for minimum coverage and $1,464 for full coverage. That minimum rate is $995 below the state average of $1,759, or about 57% less, helping Travelers stay among the most affordable carriers for SR-22 filings.

Auto-Owners, the most expensive on our list, costs $1,704 for minimum coverage, still 3% below the state average and $941 more than Travelers. Wisconsin shows substantial price variation, making comparison shopping crucial.

The table below shows the top five companies with the lowest SR-22 insurance rates in Wisconsin.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers most often ranks as the cheapest across categories. The least expensive group is Drivers With Other Violations, at $456 for minimum coverage SR-22 insurance with GEICO, while the most expensive is Senior Drivers With a Suspension, at $871 with Travelers. The $415 spread shows how suspension violations increase premiums substantially regardless of age.

Your premium ultimately depends on violation severity, driving history, and how insurers weigh your SR-22 risk.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Unity records the lowest minimum coverage SR-22 at $525 (Travelers), while Milwaukee averages $987 (Travelers). The $462 gap, or about 88% higher, reflects higher traffic density and claim costs in the state's largest city.

ZIP-code risk data like collision rates, theft incidents, and repair costs directly influence SR-22 pricing across Wisconsin.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Travelers ranks as the best car insurance provider for SR-22 filing because it offers the strongest combination of affordable rates, quality customer service and useful coverage options, earning the highest overall MoneyGeek score. Consider GEICO, Erie, Auto-Owners and Allstate as additional options in your search.

An SR-22 isn't insurance but rather a form your insurer files to verify you meet Wisconsin's Financial Responsibility law for license reinstatement. To comply with Wisconsin laws, you must carry these minimum liability limits:

• $25,000 personal injury liability per person
• $50,000 personal injury liability per accident
• $10,000 property damage liability per accident

In the state, SR-22 certificates are usually required for three years. This period can extend beyond three years if you don't comply with requirements or have repeated offenses.

Wisconsin drivers need to understand various insurance regulations and requirements beyond just filing an SR-22 form to meet the state's minimum coverage standards.

In Wisconsin, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts three years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

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

MoneyGeek analyzed hundreds of thousands of quotes across Wisconsin to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Wisconsin SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

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

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts 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

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.