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 Auto Insurance Rates in Wisconsin
Coverage Options
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Frequently Asked Questions
Sources
- Wisconsin Department of Transportation – Driver License Point System
- Wisconsin Division of Motor Vehicles – SR-22 Certificate of Insurance Requirements
- Wisconsin Office of the Commissioner of Insurance – Auto Insurance Guide