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Wisconsin SR-22 & High-Risk Auto Insurance

Wisconsin requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. Filing typically lasts 3 years and costs $15–$35, but high-risk premiums average $200–$400/mo depending on violation type and points on your license.

Wisconsin cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Wisconsin

Wisconsin requires minimum liability coverage of 25/50/10: $25,000 per person for bodily injury, $50,000 per accident, and $10,000 for property damage. SR-22 filing is triggered by DUI convictions, driving without insurance, accumulating 12 or more points in 12 months, or certain license suspensions. The Wisconsin Department of Transportation monitors SR-22 compliance and will suspend your license if your insurer reports a lapse. Most high-risk drivers need coverage above minimums to access non-standard carriers willing to write policies with recent violations.

How Much Does Car Insurance Cost in Wisconsin?

High-risk auto insurance in Wisconsin costs significantly more than standard rates due to violation type, demerit points, and driver age. A DUI typically raises premiums by 80–150%, while drivers with 6–11 points see increases of 40–90% depending on carrier. Non-standard insurers price risk individually — your rate depends on how recent your violation is, whether you need SR-22, and your coverage limits.

Minimum Liability (25/50/10)
State minimum liability for high-risk drivers with one major violation or 3–6 points. Non-standard carriers often require higher limits than 25/50/10 to write the policy.
Standard Liability (50/100/25)
Recommended liability limits for high-risk drivers. Most non-standard carriers prefer 50/100/25 or higher, and many lenders require it if you're financing a vehicle with SR-22.
Full Coverage (Liability + Comp + Collision)
Full coverage for high-risk drivers with financed vehicles or those wanting comprehensive protection. Rates depend heavily on vehicle value, deductible, and whether you need SR-22 filing.

What Affects Your Rate

  • Violation type: DUI/OWI adds 80–150% to premiums; at-fault accidents add 30–60%; speeding tickets add 15–30%
  • Demerit points: Wisconsin suspends licenses at 12 points in 12 months; drivers with 6–11 points see rate increases of 40–90%
  • SR-22 filing requirement: adds $15–$35 for the filing itself, but underlying high-risk policy costs $2,400–$4,800/year
  • Age and experience: drivers under 25 with violations pay the highest rates; those over 40 with one isolated incident pay less
  • Coverage limits: increasing from 25/50/10 to 100/300/50 adds 20–35% to premiums but provides substantially better protection
  • Geographic location: urban areas like Milwaukee and Madison have higher rates than rural counties due to accident frequency and theft

Compare Auto Insurance Rates in Wisconsin

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 large tree beside a country road

Waukesha

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

Eau Claire

urban

Sources

  • Wisconsin Department of Transportation - Driver License Information
  • Wisconsin Department of Transportation - SR-22 Requirements
  • Wisconsin Statutes Chapter 344 - Financial Responsibility
  • Insurance Institute for Highway Safety - Uninsured Motorist Data

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