Wisconsin SR-22 & High-Risk Auto Insurance
Wisconsin requires 25/50/10 liability coverage and is an at-fault state.
Find SR-22 Coverage NowWisconsin 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
$60
State license reinstatement fee, about 2 days to process
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Uninsured motorist coverage is also mandatory at the same limits unless explicitly rejected in writing. Drivers with DUI convictions, license suspensions for multiple violations, at-fault accidents while uninsured, or habitual traffic offender status must file SR-22 proof of financial responsibility with the Wisconsin DMV. State minimums typically cover basic reinstatement, but non-standard carriers often recommend higher limits to avoid policy cancellation risks.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Comprehensive and Collision Coverage
Non-Standard Auto Insurance
Cost Overview
$261–$266/mo
Typical monthly rate in Wisconsin, drivers with an SR-22 after a DUI
Rate data: ValuePenguin and NerdWallet, 2026
See What Your SR-22 Should Really Cost
Find SR-22 Coverage NowIf your license is suspended
Occupational License (Occupational Operator License)
application fee $50, about 0 days to process.
A coverage lapse is reported
The state acts on a lapse after 0 days.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
How long do I need SR-22 in Wisconsin after a DUI?
Wisconsin requires SR-22 filing for 3 years from the date of license reinstatement following a DUI/OWI conviction. The clock starts when you reinstate your license, not when the conviction occurs, so any delay in reinstatement extends your total SR-22 period. If your SR-22 policy lapses at any point during the 3 years, Wisconsin restarts the entire requirement from the date you refile.
What happens if I let my SR-22 insurance lapse in Wisconsin?
Your insurer is required to notify the Wisconsin DMV within 10 days of policy cancellation or lapse. The DMV will immediately suspend your license and restart your 3-year SR-22 requirement from the date you file a new SR-22 and reinstate your license. You'll also pay a new reinstatement fee and face potential penalties for driving during the suspension period.
Coverage Types
SR-22 Insurance
Certificate filed by your insurer proving continuous liability coverage to the Wisconsin DMV. Required for DUI, license suspension, or uninsured accidents and must remain active for 3 years without lapse.
Liability Insurance
Covers injury and property damage you cause to others. Wisconsin's 25/50/10 minimum is the legal floor, but non-standard carriers often require 50/100/25 or higher for DUI or multi-violation policies.
Uninsured Motorist Coverage
Protects you if hit by a driver without insurance. Wisconsin mandates 25/50 UM/UIM unless you reject in writing, and most non-standard carriers require acceptance as a policy condition.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUIs, suspensions, lapses, or multiple violations. Non-standard carriers guarantee approval but charge 150–300% of standard market rates and often require higher limits.
Collision Coverage
Pays to repair your vehicle after an at-fault accident. Not required by Wisconsin law but mandatory if you have a loan or lease; non-standard carriers price with $1,000–$2,500 deductibles.
Comprehensive Coverage
Covers theft, vandalism, weather, and animal strikes. Optional unless financing; high-risk drivers with older vehicles often drop this coverage to lower SR-22 policy costs.