Wisconsin SR-22 Insurance & High-Risk Auto Coverage
Wisconsin requires 25/50/10 liability coverage and is an at-fault state.
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Wisconsin at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Required
Uninsured motorist coverage must be on every policy
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Wisconsin
Drivers with DUI convictions, multiple violations within 12 months, uninsured accidents causing injury or significant damage, or license suspensions typically must file SR-22 proof of financial responsibility with the Wisconsin Department of Transportation. The SR-22 requirement generally lasts 3 years from the violation date or reinstatement date. Maintaining continuous coverage without lapses is critical—any gap restarts the 3-year clock and can result in immediate license re-suspension.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Full Coverage
What Drivers Pay in Wisconsin
$210–$281/mo
Typical monthly rate in Wisconsin, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Credit-based insurance score: Wisconsin allows insurers to use credit in underwriting, and low credit combined with violations can double premiums
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Wisconsin requires 25/50/10, but serious accidents regularly exceed these limits, exposing you to lawsuits and wage garnishment.
SR-22 Filing
Electronic proof of insurance filed by your carrier with the Wisconsin DOT. Required for DUI, suspensions, and high-risk violations, and must remain active for 3 years without lapses.
Non-Standard Auto Insurance
Specialized coverage for drivers standard carriers refuse due to DUI, suspensions, multiple violations, or coverage lapses. Offers SR-22 filing and immediate coverage availability.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Covers medical bills, lost wages, and vehicle damage the at-fault driver cannot pay.
Full Coverage
Combines liability, comprehensive, and collision to cover both your legal responsibility and your vehicle's repair or replacement costs after accidents, theft, weather, or vandalism.
Collision Coverage
Pays to repair or replace your vehicle after an accident regardless of fault. Required by lenders and critical if your vehicle value exceeds your savings.