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Cheapest SR-22 insurance in Wisconsin

The cheapest car insurance company in Wisconsin for drivers who need an SR-22 is State Farm, but Grange Mutual and USAA also have low rates.

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Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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Cheapest SR-22 insurance in Wisconsin

We found that State Farm has the cheapest SR-22 car insurance in Wisconsin. On average, State Farm costs just $75 per month or $896 a year. That’s 59% cheaper than the statewide average in Wisconsin.

There are other affordable companies in Wisconsin that can file an SR-22 for you, including Grange Mutual and USAA. The cost of car insurance depends largely on the driver, so compare quotes from more than one company before buying.

A bar graph showing the cheapest car insurance companies in Wisconsin for drivers who need an SR-22. The cheapest is State Farm.

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Company

Average monthly cost of SR-22 insurance

Average yearly cost of SR-22 insurance

State Farm

$75

$896

Grange Mutual

$95

$1,136

USAA

$100

$1,197

Auto-Owners

$126

$1,510

Erie

$126

$1,511

GEICO

$142

$1,707

American Family

$147

$1,764

SECURA

$156

$1,871

West Bend Mutual

$161

$1,931

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Methodology: Why you can trust our picks for the cheapest SR-22 insurance in Wisconsin

We found the companies with the cheapest SR-22 insurance in Wisconsin by calculating the average rate for drivers with a suspended license, DUI, or a reckless driving citation.

Our sample driver was a 30-year-old male driver of a 2017 Toyota Camry LE with average credit who had a policy with the following limits:

  • Bodily injury liability: $50,000 per person, $100,000 per accident

  • Property damage liability: $50,000 per accident

  • Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of insurance costs. Your actual quotes may differ.

What is SR-22 insurance in Wisconsin?

An SR-22 isn’t actually a type of car insurance. An SR-22 is just a form that your insurance company files for you that proves to the state that you have insurance. In Wisconsin, you must have at least the following amount of insurance:

  • Bodily injury liability (BIL): $25,000 per person, $50,000 per accident

  • Property damage liability (PDL): $10,000 per accident

An SR-22 is usually required for drivers whose license has been suspended or revoked, or after a serious moving violation, like an OWI or driving without car insurance.

Wisconsin state laws require that you have to carry your SR-22 for at least three years after you reinstate your license. If you don’t want to get an SR-22 and would rather give up your driving privileges instead, Wisconsin lets you surrender your license to the Department of Motor Vehicles and cancel your policy.

How to get SR-22 insurance in Wisconsin

When you find out you need SR-22 insurance in Wisconsin, there are a few steps to follow to get covered. The first is to check and see if your current company will file an SR-22 on your behalf, but if that won’t work, you should:

  1. Find a company that offers coverage: Not every company in Wisconsin offers SR-22 insurance. If you're someone with a history of high-risk driving behavior, you may need to spend some extra time shopping for a policy.

  2. Wait for your company to file your SR-22, or do it yourself: While most companies in Wisconsin will file your insurance for you in one or two days, you may have to fax or email your SR-22 yourself. 

  3. Reinstate your license online or in person: To complete the SR-22 process, Wisconsin lets you reinstate your license at a DMV location or online. If you reinstate your license online, you’ll have to pay an additional convenience fee.

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How to file your SR-22 yourself

If you have to file your SR-22 yourself, Wisconsin requires you to submit the actual SR-22 certificate, not just a summary. You can email or fax the SR-22 form, which has to include:

  • Your name

  • Your insurance policy number

  • Your policy and SR-22’s start date

When you submit your SR-22, you also have to make sure that you indicate whether or not you own the vehicles, your state (which must be Wisconsin), and the name of your insurance company.

Non-owner SR-22 insurance in Wisconsin

If you’re licensed but don’t own a car, you may still need to get SR-22 insurance after a license suspension or a driving violation. Non-owners insurance, which is special, limited coverage for people who don’t own a car, can let you regain your license without a standard car insurance policy. 

You can get non-owners car insurance from the same car insurance companies that sell regular car insurance, but it usually just includes basic liability coverage, which means it’s cheaper than a standard policy.

Like with regular car insurance, your insurance company can file an SR-22 with your non-owners policy. That said, non-owners insurance is less commonly offered than a regular policy, so plan on spending more time looking for coverage.

Frequently asked questions

How long is an SR-22 required in Wisconsin?

Wisconsin requires drivers to carry an SR-22 for at least three years, but that could be extended if you let your policy lapse.

Who needs SR-22 insurance in Wisconsin?

Wisconsin requires drivers to get SR-22 insurance after they commit a serious driving violation, they’re caught driving without insurance, or their license is suspended.

Do you need SR-22 insurance if you don’t live in Wisconsin?

Yes, after your license is suspended you’ll still have to find a company that will file an SR-22 for you even if you don’t live in Wisconsin. Your license will still be suspended in your home state even if you didn’t commit the offense there.

Corrections

No corrections since publication.

Author

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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