Wisconsin SR-22 Insurance After DUI or Suspension
Wisconsin requires 25/50/10 liability coverage and is an at-fault state.
Find Coverage After a Traffic ViolationWisconsin at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Wisconsin
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.
Liability Insurance (SR-22 Certified)
Uninsured/Underinsured Motorist Coverage
Full Coverage (Comprehensive + Collision)
Non-Standard Auto Insurance
Liability Insurance (State Minimum)
What Drivers Pay in Wisconsin
$210–$281/mo
Typical monthly rate in Wisconsin, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- 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
- Vehicle type: older vehicles (>10 years) allow liability-only SR-22 and lower premiums; financed newer vehicles require full coverage and significantly higher costs
See Who Will Insure You After a Ticket
Find Coverage After a Traffic ViolationCoverage Types
SR-22 Insurance
Certificate of financial responsibility filed with the Wisconsin Department of Transportation proving continuous liability coverage. Required after OWI, suspensions, serious violations, and uninsured accidents.
Non-Standard Auto Insurance
Policies designed for drivers with OWI convictions, suspensions, lapses, or accidents who cannot obtain standard coverage. Higher premiums offset carrier risk but provide path to reinstatement.
Full Coverage
Comprehensive and collision coverage protecting your vehicle from all damage types: accidents, theft, weather, vandalism. Required by lenders for financed vehicles.
Liability Insurance
Covers bodily injury and property damage you cause to others in at-fault accidents. Wisconsin's 25/50/10 minimums are legally sufficient but financially inadequate for serious crashes.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient limits. Covers medical bills, lost wages, and vehicle damage the at-fault driver cannot pay.
High-Risk Auto Insurance
Coverage for drivers classified as high-risk due to violations, accidents, lapses, or claims history. Carriers use surcharges, higher deductibles, and payment monitoring to manage risk.