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 is an SR-22?

An SR-22 is a Certificate of Financial Responsibility (CFR) that proves you’ve bought the minimum liability auto insurance your state requires. If you’re considered a high-risk driver due to traffic violations, a DUI/DWI, or other reasons, your state or a court may require you to obtain an SR-22-a certificate filed by your insurance company that proves you carry the minimum required auto insurance coverage.

While it’s not a type of insurance, filing an SR-22 is often mandatory after serious offenses and it can lead to higher insurance premiums due to your increased risk profile.

Key Takeaways

The average cost of SR-22 car insurance in Wisconsin is $1,738.
GEICO offers the most affordable SR-22 insurance policies in Wisconsin at $896 per year.
An SR-22 isn’t a separate insurance policy; it’s a form your insurer files to the state DMV on your behalf to confirm you have the required minimum coverage.

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

As mentioned earlier, an SR-22 isn’t an insurance policy; it’s a form your insurance company files with your state’s DMV. This form informs the state that you still carry the minimum required insurance despite certain driving offenses on your record. The filing fee is generally inexpensive, though insurance with an SR-22 can be costly.

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 offenses on your record, you may need an SR-22. Once you buy an insurance plan that meets your state’s requirements, request your insurer to file the SR-22 form with the DMV.

You usually need to keep an SR-22 for at least three years. Failing to do so could lead to a license suspension.

Average SR-22 car insurance cost in Wisconsin

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

Wisconsin’s rate is $723 more expensive than SR-22 insurance in the New Hampshire, the cheapest state. However, it’s also $2,303 less than in Michigan, the most expensive state for SR-22 insurance.

However, there are a lot of factors that might affect the cost of SR-22 insurance, such as the reason for the SR-22, your driving history, and the city in which 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 earlier, where you live can also make a big difference in the cost of SR-22 insurance. Below, you’ll find the cheapest rates for SR-22 insurance for most cities in 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 meet the following minimum requirements for car insurance coverage:

$25,000 for injury/death per person
$50,000 for injury/death per accident
$10,000 for damage to property per accident

These are just the minimum requirements. Experts advise drivers to get more than the minimum insurance. It may lead to a higher premium, but the extra coverage could be well worth it.

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

Insurance companies charge different premiums for drivers with a DUI.

Note: In the table below, “filing only” means the cost of a policy that includes the SR-22 filing fee but doesn’t take into account why you need the 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 have an SR-22 in Wisconsin, you might think you are doomed to pay inflated insurance rates. But just because you need an SR-22 doesn’t mean you’ll end up paying the highest rates.

First, shopping around is always a good idea. There can be an enormous difference in the rates you will get from different insurance companies. Some companies might even specialize in high-risk drivers and be able to offer you better SR-22 rates.

Another way to get the cheapest insurance with an SR-22 is to improve your driving record. Sure, that might be easier said than done, but it can be worth putting in the time if you want a better rate. You can get a quick win by taking a defensive driving course. Ask your insurer if they offer any of these courses and if they can help you qualify for a discount.

You can also ask about safe driving programs. These usage-based programs track your driving habits and may reward you with lower premiums for safe driving.

There are a few ways someone required to get SR-22 insurance can find the most affordable policy while still meeting all the legal requirements.

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

Shopping 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: If possible, 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 want to maintain SR-22 coverage, non-owner car insurance can be a cost-effective option as it is typically 5% to 15% cheaper than a standard policy. Keep reading for more information on non-owner insurance options.

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, 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 usually need to keep an SR-22 for three years.

During this time, you must have continuous insurance coverage with no lapses. If your policy gets canceled or lapses, your insurer has to inform the state, which could lead to penalties or a suspended license.

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.

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 January 2026.
Progressive Insurance. “What is an SR-22?” Accessed January 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.