Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
How to get SR-22 insurance in Wisconsin
Cheap Wisconsin SR-22 car insurance
If you’re convicted of a crime in Wisconsin that results in the suspension of your license, you might be required to file an SR-22 certificate. Sometimes referred to as SR-22 insurance, it’s actually a form filed with the Wisconsin Department of Transportation (WisDOT). An SR-22 certifies that you have at least the minimum liability insurance required by Wisconsin law, and it must be filed before the state will reinstate your license.
What's in this guide?
- How much does an SR-22 cost in Wisconsin?
- How do I file an SR-22 in Wisconsin?
- Compare Wisconsin SR-22 insurance
- How long will I need an SR-22 in Wisconsin?
- Do I need SR-22 insurance in Wisconsin?
- What if I don’t have a car or a license?
- What if I’m from another state?
- Cheap SR-22 car insurance in Wisconsin
- What happens when I don't need SR-22 coverage anymore?
- Bottom line
How much does an SR-22 cost in Wisconsin?
The fee your provider charges for filing the SR-22 can range from $20 to $50. However, it’s not the filing fee that’s most expensive when you’re required to file an SR-22 — you’ll also typically see higher premiums than you’re used to.
The impact of an SR-22 on your car insurance rates
SR-22s are often required after serious driving convictions, such as driving without insurance or driving under the influence.
After such a conviction, you’re considered a “high-risk” driver by Wisconsin and most insurance providers — which typically results in higher insurance rates. Still, you’ll find providers out there — like the General — that specialize in high-risk drivers.
Talk to your provider about how much you can expect your rates to increase.
How do I file an SR-22 in Wisconsin?
If you’re required to file an SR-22 in Wisconsin, first contact your insurer. Or find one willing to file on your behalf.
- Contact your insurer. If you already have car insurance, contact your agent and advise them of your need to file an SR-22. Most providers are equipped to file one.
- Find an insurer. If you don’t already have insurance, you’ll need to find a provider. Not all insurance companies insure those who need an SR-22. If yours doesn’t, find one that will.
- Pay the SR-22 fee. Your insurer charges you a minimal processing fee for filing the SR-22 on your behalf.
- Verify minimum liability coverage. Confirm that your policy includes at least the minimum liability coverage amounts in Wisconsin:
- $10,000 for property damage.
- $25,000 for the injury or death of one person.
- $50,000 for the injury or death of more than one person.
- Submit your SR-22. In Wisconsin, how your SR-22 is filed depends on your provider. Most insurance companies mail your certificate directly to WisDOT. Some, however, will give you the SR-22 or file electronically with WisDOT. Electronically filed SR-22s are typically added to your driver record within a few business days
Compare Wisconsin SR-22 insurance
Find the best rates from insurance providers near you or learn more about state minimums and other requirements in the comprehensive guide to Wisconsin car insurance.
How long will I need an SR-22 in Wisconsin?
In Wisconsin, insurance must be filed for three years from your license reinstatement eligibility date or for three years from the court entry date of a damage judgment.
Make sure you understand your role in maintaining your insurance and your SR-22. A lapse or nonrenewal could cost you a lot of unnecessary time and money.
What happens if I let my SR-22 lapse?
At any point if your coverage is canceled or you fail to renew it, your insurer is required to report the lapse to WisDOT. Your license may then be suspended, at which point you’ll need to pay any reinstatement fees and renew your policy in order to legally drive again.
Do I need SR-22 insurance in Wisconsin?
Your state’s DMV will let you know if you need to file an SR-22. You might be required to file an SR-22 in Wisconsin if your license is suspended or revoked for:
- To get an occupational license or to reinstate a license after a license suspension
- To drive under 18 years old without a sponsor
- After license suspension for unpaid damages or being uninsured
What if I don’t have a car or a license?
If you don’t own a car but plan to drive, you’re required to obtain non-owner insurance and file an SR-22. During the period your license is suspended, you don’t need to acquire insurance or file an SR-22 if you don’t intend to drive.
What if I’m from another state?
If you have an SR-22 from another state, you must maintain it while driving in Wisconsin. Your existing SR-22 is likely sufficient enough in Wisconsin, but verify coverage with the WisDOT and your insurer to be sure.
What happens when I don’t need SR-22 coverage anymore?
You can confirm with WisDOT that your coverage is no longer needed once you’re at the end of your mandated filing period. From there you can contact your insurance provider to discuss the next steps for changing your policy as necessary.
Three years can feel like a long time to maintain a certification, but staying on top of it can help you stay behind the wheel and save some cash. Stay current on your premium payments, renew our policy early and drive safely within the laws to keep ahead of the curve.
You’re likely going to face higher premiums, but that doesn’t mean you necessarily have to settle. Take your time and compare providers to get one that will offer you the coverage you need at a rate you can afford.
More guides on Finder
Lemonade car insurance review for 2021
Safe drivers and electric car owners could see cheap rates, but its claims process isn’t perfect.
How to start a cleaning business
From making a business plan and getting insurance to marketing and setting your prices — here’s how to start your own cleaning business.
Investing goes mainstream, thanks to apps and stimulus checks
New investors, here’s what you need to know before you hit the trade button.
How to separate your finances during divorce
Ways to protect your assets and what you need to know about marital debt.
How long does it take to get disability insurance benefits?
Which type of disability insurance you have influences how long it’ll take you to receive benefits. Find out how long you may have to wait.
Heacock Classic car insurance review May 2021
Insure your classic car or race car at agreed value with Heacock Classic, but you’ll have to look elsewhere if you have recent claims or major violations.
Xbox One review and buying guide
Trying to choose the right gaming console for you and your family? You’ll find everything you need to know about Microsoft’s Xbox One console right here.
Driving without car insurance
Since driving uninsured comes with steep penalties, look at your coverage options or consider alternatives.
How to file for divorce
Filing for divorce is a legal process that needs to be done correctly, otherwise, your case may be delayed or dismissed. Here’s the step-by-step breakdown.
Acceptance car insurance review May 2021
Consider Acceptance if you’re a high-risk driver, but prepare for the possibility of a negative customer service experience.
Ask an Expert