Wisconsin SR-22 & High-Risk Auto Insurance
Wisconsin requires 25/50/10 liability coverage and is an at-fault state.
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Wisconsin 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
State Requirements
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.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Full Coverage
Cost Overview
$210–$281/mo
Typical monthly rate in Wisconsin, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
Find the Insurers That Still Want Your Business
See Carriers That Cover YouFrequently Asked Questions
How long does SR-22 last in Wisconsin?
Wisconsin requires SR-22 filing for 3 years from the date your SR-22 is filed with the DMV. If your insurance lapses at any point during those 3 years, your license is suspended immediately and the 3-year period resets from the date you refile. You cannot shorten the SR-22 requirement, but maintaining continuous coverage without violations can qualify you for better rates after 12–24 months.
How many points suspend your license in Wisconsin?
Accumulating 12 or more points within a 12-month period triggers an automatic license suspension in Wisconsin. A first suspension lasts 2 months, a second suspension lasts 4 months, and a third or subsequent suspension lasts 6 months. Points remain on your driving record for 5 years, but only points accumulated in the most recent 12-month window count toward the suspension threshold.
Which insurance companies offer SR-22 in Wisconsin?
Most major carriers including Progressive, GEICO, State Farm, and American Family offer SR-22 filing in Wisconsin, though some may non-renew you after a DUI. Non-standard carriers like Dairyland, General Casualty, and Bristol West specialize in SR-22 and high-risk drivers and often offer more competitive rates. Not all carriers operate in every Wisconsin county, so comparing 3–5 quotes is essential.
How long do points stay on your license in Wisconsin?
Points remain on your Wisconsin driving record for 5 years from the date of conviction. However, insurance companies typically surcharge for violations for 3–5 years depending on severity. A speeding ticket may affect your rates for 3 years, while a DUI affects rates for 5+ years. Points cannot be removed early, but completing a defensive driving course can sometimes reduce insurance surcharges.
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.