Traffic Violation Insurance
Get a Quote

Wisconsin SR-22 Insurance After DUI or Suspension

Wisconsin requires SR-22 filing for DUI convictions, license suspensions, and serious traffic violations. Filing typically lasts 3 years and costs $15–$35 to add to a policy, but high-risk premiums average $200–$400/mo depending on violation type and driving history.

Wisconsin cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Wisconsin

Wisconsin requires minimum liability coverage of 25/50/10: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $10,000 property damage. Drivers convicted of OWI, operating after revocation, accumulating excessive points, or causing accidents while uninsured must file SR-22 proof of financial responsibility. The Wisconsin Department of Transportation monitors SR-22 compliance for the entire filing period, typically 3 years from reinstatement.

How Much Does Car Insurance Cost in Wisconsin?

Wisconsin high-risk auto insurance premiums depend heavily on violation type, time since offense, and filing history. OWI convictions carry the steepest surcharges—drivers typically pay $200–$400/mo for minimum SR-22 coverage, compared to $80–$120/mo for clean records. Rates decline gradually as violations age off: expect 30%–40% reductions after 3 years violation-free, with full standard rates possible 5–7 years post-OWI.

Minimum SR-22 Liability
Wisconsin's 25/50/10 state minimum liability with SR-22 filing. Typically the only option immediately after OWI or suspension. Expect 25%–50% down payment and monthly installment fees.
Standard SR-22 Liability
Increased limits (50/100/25) with SR-22 filing and optional UM/UIM. Recommended for drivers with assets to protect or multiple violations. Non-standard carriers often require higher limits for OWI offenses.
Full Coverage with SR-22
Comprehensive, collision, and liability with SR-22. Required for financed vehicles. High deductibles ($1,000 collision, $500 comprehensive) are common for SR-22 drivers to control premium cost.

What Affects Your Rate

  • Violation type: OWI convictions add 150%–250% surcharges; at-fault accidents add 50%–100%; license suspensions add 40%–80%
  • Time since violation: surcharges decrease 10%–15% annually after year 2, with steeper drops after year 5
  • Filing history: a second SR-22 requirement within 10 years triggers non-renewal from many carriers and forces assigned risk plans
  • Credit-based insurance score: Wisconsin allows credit scoring for insurance, which compounds penalties for high-risk drivers with poor credit
  • County: Milwaukee County SR-22 rates average 15%–25% higher than rural counties due to claim frequency and uninsured driver density
  • Vehicle type: older vehicles (>10 years) allow liability-only SR-22 and lower premiums; financed newer vehicles require full coverage and significantly higher costs

Compare Auto Insurance Rates in Wisconsin

Find Your City in Wisconsin

Milwaukee, Wisconsin cityscape and street view

Milwaukee

urban
Madison, Wisconsin cityscape and street view

Madison

urban
Green Bay, Wisconsin cityscape and street view

Green Bay

suburban
Kenosha, Wisconsin cityscape and street view

Kenosha

suburban
Empty metal sign frame in golden field with suburban houses in background under cloudy sky

Racine

urban
Urban alley with glass pedestrian bridge connecting buildings overhead, surrounded by brick and concrete architecture

Appleton

urban
Rural countryside landscape with green fields, blue sky with white clouds, and a large tree beside a country road

Waukesha

suburban
Sunset over a flowing river with rocky terrain and trees silhouetted against a dramatic cloudy sky

Eau Claire

urban

Sources

  • Wisconsin Department of Transportation - SR-22 Insurance Requirements
  • Wisconsin Department of Insurance - Auto Insurance Minimum Coverage
  • Wisconsin Statutes Chapter 344 - Financial Responsibility

Get Your Free Quote in Wisconsin