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If you’ve been asked to file an SR-22, you might be worried about the impact on your car insurance costs. An SR-22 isn’t a type of insurance but rather a certificate that proves you meet your state’s minimum car insurance requirements.

It’s often required after serious driving violations, such as a DUI, reckless driving or driving without insurance. Unfortunately, having an SR-22 on your record typically leads to higher premiums, making finding the most affordable options essential.

The cost of SR-22 insurance can vary significantly depending on your location, driving history, and insurance provider. To help you save money, we’ve researched the cheapest SR-22 insurance options in every state.

In Wisconsin, GEICO offers the most affordable SR-22 insurance policies at $896 per year and Travelers at $1,092 per year.

Whether you’re looking for a budget-friendly policy or just trying to navigate this complex process, this guide has the information you need to get back on the road without breaking the bank.

What’s an SR-22?

An SR-22 is a certificate of responsibility (CFR) that shows you’ve purchased the required minimum liability auto coverage required by your state. If you’re categorized as a higher-risk driver due to traffic violations, a DWI/DUI conviction, or other reasons, your state or a court order may require you to get an SR-22.

You might hear about “SR-22 insurance,” but an SR-22 is not a separate insurance policy – it’s just a term sometimes used to refer to any insurance policy bought by someone who’s required to have an SR-22.

Key Takeaways

  • An SR-22 isn’t a separate insurance policy but a form your insurer files with the state to show you have the minimum coverage.
  • You might need an SR-22 in Wisconsin due to DUI, reckless driving, or license suspension/revocation.
  • Filing an SR-22 isn’t expensive, but those with an SR-22 often pay higher premiums.

Do I need to buy SR-22 insurance in Wisconsin?

As mentioned before, an SR-22 isn’t an insurance policy. It’s a form your insurance company files with your state’s DMV to show that you have the required minimum coverage, even with certain driving offenses on your record. The filing fee is usually low, but insurance with an SR-22 can be expensive.

Here are few offenses that might require an SR-22:

  • DUI, DWI or other serious moving violations
  • Reckless driving
  • Accidents resulting in suspension or revocation
  • Accumulation of too many driving violation points
  • Driving without insurance

If you are convicted of any of these violations, you might need an SR-22. After buying an insurance plan that meets your state’s requirements, ask your insurance company to send the SR-22 form to the DMV.

You usually have to keep the SR-22 for at least three years. If you don’t, your license could be suspended.

Average SR-22 car insurance cost in Wisconsin

The average SR-22 car insurance cost in Wisconsin is $1,738.

This is $723 more expensive than the SR-22 insurance in New Hampshire, the least expensive state.

However, it’s also $2,303 cheaper than in Michigan, the most expensive state for SR-22 insurance.

However, several factors can affect the cost of SR-22 insurance, including why you need the SR-22, your driving history and your city.

Cheapest SR-22 insurance companies in Wisconsin

Insurance rates usually increase if you have an SR-22. But not all insurance companies have the same rates for people with an SR-22. The companies listed below have some of the lowest rates available in Wisconsin.

CompanyAverage annual premiumAverage monthly premium
GEICO$896$75
Travelers$1,092$91
Nationwide$1,094$91
Automobile Club of MI (AAA)$1,340$112
American Family$1,371$114
State Farm$1,459$122
Auto-Owners$1,544$129
Erie Insurance$1,561$130
Auto Club Enterprises (AAA)$2,108$176
Allstate$2,325$194
Farmers$2,328$194
Progressive$2,551$213
Kemper Insurance$3,692$308
USAA*$814$68
*USAA is only available to military community members and their families.
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Note: USAA is only available to military community members and their families.

Cheap SR-22 insurance in Wisconsin by city

As mentioned before, where you live can significantly impact the cost of insurance with an SR-22. Below, you’ll find the cheapest SR-22 insurance rates in major cities across Wisconsin.

CityAverage annual premium
Oshkosh$537
Sun Prairie$579
Madison$588
Sheboygan$628
Wausau$629
Evansville$635
Menomonee Falls$662
Eau Claire$666
Portage$700
Cudahy$715
Milwaukee$1,020
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SR-22 insurance requirements in Wisconsin

The Wisconsin DMV requires all drivers to have the following minimum car insurance coverage:

  • $25,000 for injury or death per person
  • $50,000 for injury or death per accident
  • $10,000 for property damage per accident

These are just the minimum requirements. Experts recommend getting more coverage than the mandated minimum coverage. Although it may raise your premium, the added coverage could prove highly beneficial.

How much does SR-22 in Wisconsin cost with a DUI?

Some insurance companies are much more forgiving than others if you have a DUI. Some charge a few hundred dollars more, while others charge thousands more per year.

Note: In the table below, “filing only” represents the cost of a policy including the fee to file the SR-22 – without considering the reason why someone needed an SR-22.

CompanySR-22 with 1 DUISR-22 Filing only
State Farm$1,592 $1,459
Travelers$1,729 $1,092
American Family$1,794 $1,371
GEICO$2,219 $896
Erie Insurance$2,258 $1,561
Nationwide$2,351 $1,094
Allstate$2,701 $2,325
Progressive$2,982 $2,551
Auto-Owners$2,989 $1,544
Farmers$3,201 $2,328
Kemper Insurance$3,874 $3,692
Automobile Club of MI (AAA)$6,407 $1,340
Auto Club Enterprises (AAA)$10,543 $2,108
USAA*$1,485 $814
*USAA is only available to military community members and their families.
Powered by:

Note: USAA is only available to military community members and their families.

How to get the cheapest SR-22 insurance in Wisconsin

If you need an SR-22 in Wisconsin, your insurance premiums might be very high. However, there are ways to save on car insurance, whether you need an SR-22 or not.

First, it’s a good idea to shop around. Different insurance companies can offer very different rates. Some companies specialize in high-risk drivers and may give you better SR-22 rates.

Another way to lower your insurance costs with an SR-22 is to improve your driving record. It might take some effort, but it’s worth it if you want better rates. A simple step is taking a defensive driving course, which can result in having points removed from your record. Check with your insurer to see if completing such a class could get you a discount. You can also look into usage-based insurance. These programs use technology to monitor your driving habits in exchange for (potentially) lower rates.

Sebastian Hov, CEO of 18 Insurance, an insurance agency based in Sacramento, California, recommends the following:

  • Shop around. Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.
  • Pay upfront. Paying your premium in full rather than in monthly installments can sometimes result in lower overall costs.
  • Opt for non-owner insurance. If you don’t own a vehicle but need to maintain SR-22 coverage, non-owner car insurance can be 5% to 15% cheaper than a standard policy.

Non-owner SR-22 insurance in Wisconsin

Some states might require you to get an SR-22 even if you don’t own a car. This proves you have the minimum liability insurance your state requires, which is often needed to get your driver’s license back after a suspension or revocation for violations like a DUI or multiple traffic offenses.

Non-owner insurance policies are for people who don’t own a car but still drive and need to meet SR-22 requirements or maintain coverage. This type of insurance provides liability protection when driving someone else’s car and helps you meet state requirements to get your license back after violations like a DUI or multiple traffic offenses.

It’s generally a cheaper option than a standard car insurance policy since it only covers liability.

Read more about how non-owners car insurance works in Wisconsin

Who needs SR-22 insurance?

Remember that an SR-22 is not a separate insurance policy. Instead, it’s a certificate that shows your state’s DMV that you have at least the minimum insurance coverage required.

For instance, if you have a DUI on your record, the state will require you to prove that you have enough insurance to be financially responsible.

Keep in mind that not all driving offenses require an SR-22. You will be notified if you require an SR-22. If you aren’t sure if you need one, ask your local DMV or an attorney who has experience with traffic laws.

How long do you need SR-22 insurance in Wisconsin?

You typically need to maintain an SR-22 for three years.

During this period, you must maintain continuous coverage without any lapses. If your policy is canceled or lapses, your insurer must notify the state, which could result in further penalties or a license suspension.

The bottom line on SR-22 in Wisconsin

Wisconsin’s average SR-22 insurance rate is $1,738, compared to the overall average car insurance cost in Wisconsin, which is $1,573. That means Wisconsin’s SR-22 rate is $165 more per year.

But remember that there are a lot of factors that can affect insurance premiums.

expert

What our expert says

Q: How can you save on SR-22 insurance?

expert-image
Sebastian HovCEO, 18 Insurance.
“Shop around: Different insurance companies offer varying rates for SR-22 insurance. It’s crucial to compare quotes from multiple providers to find the best option.”

Resources and Methodology

Sources:

Methodology

Insure.com gathered rates from Quadrant Information Services for all states, including Washington, D.C. The rates are based on a sample driving profile of a 40-year-old male and female who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes. We analyzed 5,000,736 insurance quotes from 27 companies.

Compare SR-22 insurance rates with other states

Alabama$1,702/Year
Alaska$1,419/Year
Arizona$1,916/Year
Arkansas$1,618/Year
California$2,238/Year
Colorado$2,177/Year
Connecticut$1,654/Year
Florida$3,288/Year
Georgia$1,795/Year
Hawaii$1,523/Year
Idaho$1,115/Year
Illinois$1,380/Year
Indiana$1,418/Year
Iowa$1,363/Year
Kansas$1,581/Year
Louisiana$3,390/Year
Maine$1,141/Year
Maryland$2,020/Year
Massachusetts$1,900/Year
Michigan$4,041/Year
Mississippi$1,502/Year
Missouri$2,504/Year
Montana$1,966/Year
Nebraska$2,001/Year
Nevada$2,632/Year
New Hampshire$1,015/Year
New Jersey$2,370/Year
North Dakota$1,315/Year
Ohio$1,240/Year
Oregon$1,653/Year
Rhode Island$1,887/Year
South Carolina$1,998/Year
South Dakota$1,681/Year
Tennessee$1,458/Year
Texas$2,113/Year
Utah$1,816/Year
Vermont$1,140/Year
Virginia$1,343/Year
Washington$1,473/Year
Washington, D.C.$2,065/Year
West Virginia$1,520/Year
Wyoming$1,808/Year
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Bob Haegele
Contributing Researcher

 
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Bob Haegele is a personal finance writer. He covers car insurance, health insurance and life insurance. While working in the corporate world he started a personal finance blog. He later left his corporate job and began freelance writing full-time. Since then, he has made it his mission to help people master their money. His work has been featured in Business Insider, Forbes Advisor, Bankrate, FinanceBuzz and others.

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