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.

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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 |
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:
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.
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.
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 form for you when you get a 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.