Cheapest SR-22 insurance in Wisconsin

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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 previously mentioned, SR-22 is not an insurance policy but a form your insurance company files with your state’s DMV. This form lets the state know that even though you have certain driving offenses on your record, you have at least the minimum required insurance for your situation. The typical filing cost isn’t much – usually around $25.

Examples of 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 have any of these on your record, you may need an SR-22. After purchasing an insurance plan that meets your state’s requirements, ask your insurer to file the SR-22 form with the DMV.

You typically must maintain an SR-22 for at least three years. If you don’t, you could risk license suspension.

Average SR-22 car insurance cost in Wisconsin

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

This is $723 higher than in New Hampshire, which has the cheapest SR-22 insurance.

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

The cost of SR-22 insurance depends on several factors, such as why you need the SR-22, your driving history, and where you live.

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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.

Company	Average annual premium	Average 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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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.

City	Average 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

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.

Company	SR-22 with 1 DUI	SR-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.

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

Another term that’s sometimes used when talking about SR-22 is “non-owner SR-22 insurance.” This usually refers to liability insurance for people who don’t own a car but need to reinstate their license after it is suspended or revoked. This is often a requirement after a DUI, DWI, or several moving violations.

Non-owner insurance provides secondary coverage when driving cars you don’t own, such as a vehicle you borrow or rent.

If you find yourself regularly driving a borrowed or rented vehicle, you should probably apply for a non-owner insurance policy. These policies have certain benefits, like costing less than traditional insurance.

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

Who needs SR-22 insurance?

Remember, an SR-22 is not a separate insurance policy. It’s a certificate that proves to your state’s DMV that you have the required minimum insurance coverage.

For example, if you have a DUI, the state will require you to show that you have enough insurance to meet financial responsible.

Remember, not all driving offenses need an SR-22. You’ll be notified if you do. If you’re unsure, check with your local DMV office or a lawyer who specializes in traffic law.

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

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

In some cases, the time you need to maintain an SR-22 could be longer or shorter. The length of the SR-22 period will depend on your driving history and how serious the offense is.

The bottom line on SR-22 in Wisconsin

The average SR-22 insurance rate in Wisconsin is $1,738, while the average cost of car insurance in Wisconsin is $1,573. This means SR-22 insurance in Wisconsin costs $165 more per year.

Keep in mind that there are numerous factors that affect the auto insurance premiums.

What our expert says

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

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:

Shouse Law Group. “SR22 Wisconsin.” Accessed March 2026.
Progressive Insurance. “What is an SR-22?” Accessed March 2026.

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.

Bob Haegele

Contributing Researcher

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.