Updated March 2026
State Requirements
Wisconsin requires minimum liability coverage of 25/50/10: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. SR-22 filing is required following DUI convictions, major license suspensions, accumulating 12 or more points within 12 months, or driving uninsured after certain violations. Points remain on your Wisconsin driving record for 5 years, but most violations affect insurance rates for 3–5 years. The state uses a point system where minor speeding tickets add 3 points, at-fault accidents add 6 points, and reaching 12 points triggers a suspension.
Cost Overview
High-risk auto insurance in Wisconsin costs $2,400–$4,800 annually on average, compared to $800–$1,400 for clean-record drivers. Rates vary based on violation type: a single speeding ticket may raise premiums 15–25%, while a DUI can double or triple rates. Wisconsin's point system and SR-22 filing requirements create significant cost variance by carrier, making it essential to compare quotes from both standard and non-standard insurers.
What Affects Your Rate
- Violation type and severity: DUI/OWI adds 80–150% to premiums, speeding 15+ over adds 20–40%, at-fault accidents add 30–60%
- Current point total: drivers with 6–9 points pay 25–50% more than those with 3 points
- Time since violation: rates decrease 10–20% per year with no new incidents
- ZIP code: Milwaukee and Madison high-risk rates run 15–25% higher than rural counties due to accident frequency and uninsured driver rates
- SR-22 filing requirement: adds $15–$25 filing cost but signals high-risk status, limiting carrier options
- Coverage level: raising liability limits from 25/50/10 to 100/300/50 adds $30–$60/month for high-risk drivers
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others. Wisconsin minimums are 25/50/10, but a serious accident can exceed these limits, leaving you personally liable for the remainder.
SR-22 Insurance
A certificate filed by your insurer to the Wisconsin DMV proving continuous coverage. Required for 3 years following DUI, suspension, or major violations.
Non-Standard Auto Insurance
Coverage designed for drivers with violations, points, SR-22 requirements, or lapses who cannot get standard insurance.
Uninsured Motorist Coverage
Covers your injuries and vehicle damage if you're hit by a driver with no insurance or insufficient coverage.
Full Coverage
Combines liability, comprehensive, and collision to cover both your legal obligations and your own vehicle damage regardless of fault.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Subject to a deductible.
