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Wisconsin SR-22 Insurance After DUI or Suspension

Wisconsin requires SR-22 filing for DUI convictions, license suspensions, and at-fault uninsured accidents. The requirement typically lasts 3 years, with filing fees of $15–$35, but high-risk premiums range from $200–$400/mo depending on violation severity and driving history.

Wisconsin cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Wisconsin

Wisconsin requires minimum liability coverage of 25/50/10: $25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage. Drivers with DUI convictions, license suspensions for reckless driving, or at-fault accidents while uninsured must file SR-22 certification with the Wisconsin Department of Transportation. The SR-22 requirement typically lasts 3 years from the date of reinstatement, during which your insurer electronically notifies the state that you maintain continuous coverage.

How Much Does Car Insurance Cost in Wisconsin?

Wisconsin high-risk insurance premiums vary widely based on violation type, age, location, and driving history. DUI convictions typically carry the highest surcharges—often 200–300% above standard rates—while at-fault accidents and license suspensions result in 100–200% increases. Post-SR22 drivers who maintain clean records see rates begin to normalize within 12–18 months, with full recovery to standard pricing typically occurring 3–5 years after the SR-22 requirement ends.

Minimum Liability Only
State-minimum 25/50/10 liability with SR-22 filing. Lowest legal cost, but insufficient protection for most post-violation drivers and highest financial risk if another incident occurs.
Standard Liability
Enhanced liability limits of 50/100/50 or 100/300/100 with SR-22. Provides meaningful protection and demonstrates financial responsibility to future insurers, often resulting in better rate offers when shopping post-filing.
Full Coverage
Liability plus comprehensive and collision with SR-22 filing. Essential if financing a vehicle or protecting equity during rate recovery. Higher upfront cost, but preserves your financial position if weather, theft, or another accident occurs during the SR-22 period.

What Affects Your Rate

  • Violation type: OWI/DUI convictions carry the highest surcharges in Wisconsin, often doubling or tripling base premiums
  • Time since violation: Rates drop incrementally each year of clean driving; the 12-month anniversary after SR-22 ends is a key re-shopping trigger
  • Urban vs. rural location: Milwaukee and Madison drivers pay 20–40% more due to higher accident and theft rates
  • Age and gender: Drivers under 25 with SR-22 requirements face compounded surcharges, sometimes exceeding $500/mo for full coverage
  • Carrier specialization: Non-standard carriers price SR-22 risk aggressively; shopping 3–5 quotes can yield 30–50% rate variation
  • Credit-based insurance score: Wisconsin allows credit scoring, and post-violation drivers with rebuilt credit see faster rate recovery

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 - SR-22 Requirements
  • Wisconsin Department of Insurance - Minimum Coverage Standards
  • National Association of Insurance Commissioners - High-Risk Insurance Data

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