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Wisconsin SR-22 & High-Risk Auto Insurance

Wisconsin requires SR-22 filing for DUI convictions, license suspensions, and major violations. Filing typically lasts 3 years and costs $15–$25, but high-risk premiums average $2,400–$4,800 annually depending on your violation. Most standard point violations do not trigger SR-22 requirements.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated May 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.

Wisconsin cityscape and street view
25/50/10
Liability Insurance
Wisconsin's minimum liability limits are among the lowest in the Midwest and may not cover the full cost of a serious accident. Drivers with violations already face rate increases; an at-fault accident with insufficient coverage can result in personal asset exposure. Many non-standard carriers require higher limits for drivers with recent at-fault accidents or multiple violations.
Must meet state minimums
SR-22 Insurance
SR-22 is not a type of coverage but a certificate proving you carry continuous liability insurance, filed electronically by your carrier to the Wisconsin DMV. Required for 3 years following DUI, major suspensions, or multiple violations. If your policy lapses even one day during the SR-22 period, your license is suspended immediately and the 3-year clock resets from the date you refile.
Varies by carrier
Non-Standard Auto Insurance
Non-standard carriers specialize in insuring drivers with points, violations, or SR-22 requirements who cannot obtain coverage from standard insurers. Wisconsin has multiple non-standard carriers active statewide, though availability varies by ZIP code and violation type. Rates are higher but coverage is comparable, and switching back to standard insurance after 2–3 years of clean driving can cut premiums by 30–50%.
Not required but offered
Uninsured Motorist Coverage
Wisconsin does not require UM coverage, but insurers must offer it at the same limits as your liability policy. Approximately 13% of Wisconsin drivers are uninsured. For drivers with violations, UM coverage protects you from another at-fault accident on your record if you're hit by an uninsured driver, which is critical given that a second accident can push premiums 60–90% higher.
Liability + Comprehensive + Collision
Full Coverage
Full coverage combines liability, comprehensive, and collision insurance. Required by lienholders if you're financing a vehicle. For high-risk drivers, full coverage costs $250–$500/month depending on violation type and vehicle value, but dropping collision on older vehicles can reduce premiums by 20–30% if you own the car outright.
State-Mandated Minimum Coverage · Wisconsin

Wisconsin Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$10,000

License Reinstatement Fee$60

Meeting the state minimum keeps you legal. See whether it's enough — get your Wisconsin quote.

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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
Minimum Liability (SR-22)
$200–$350/mo
State minimum 25/50/10 liability with SR-22 filing. Lowest legal coverage available after DUI or suspension. Does not include comprehensive or collision.
Standard High-Risk
$250–$400/mo
Liability at higher limits (50/100/25 or 100/300/50) for drivers with points or violations but no SR-22 requirement. Common for drivers with 3–9 points from speeding tickets or at-fault accidents.
Full Coverage (High-Risk)
$300–$500/mo
Liability, comprehensive, and collision for drivers with violations or SR-22 requirements. Required by lienholders. Rates depend heavily on vehicle value and deductible selection.

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Standard carriers surcharge heavily after violations. These specialists price your specific record differently.

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Coverage 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.

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 lone tree in the distance

Waukesha

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

Eau Claire

urban

Frequently Asked Questions

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