Updated April 2026
Minimum Coverage Requirements in Wisconsin
Wisconsin requires minimum liability coverage of 25/50/10 — $25,000 per person for bodily injury, $50,000 per accident, and $10,000 for property damage. The Wisconsin Department of Transportation typically requires SR-22 filing for three years following DUI convictions, license suspensions for excessive violations, and uninsured accidents. For drivers who have completed their SR-22 requirement, these minimums remain the legal floor, but most post-SR22 drivers benefit from higher limits to offset remaining risk perception and improve rate recovery options.
How Much Does Car Insurance Cost in Wisconsin?
Post-SR22 insurance rates in Wisconsin depend on violation type, time since filing ended, driving record during the SR-22 period, and which carrier you choose. Drivers who completed SR-22 for a first DUI typically pay $160–$320/mo in year one after compliance, while those with suspension for multiple violations may see $140–$280/mo. Shopping actively during rate recovery is critical — the difference between your current non-standard carrier and a competitive standard carrier can exceed $150/mo once you qualify.
What Affects Your Rate
- Time elapsed since SR-22 filing ended — rates typically drop 15–25% at 12 months, 30–40% at 24 months, and 50–60% at 36 months with no new violations
- Violation type that triggered original SR-22 requirement — DUI impacts last longer than suspension for points accumulation
- Driving behavior during SR-22 period — additional violations or lapses restart rate recovery timeline
- Carrier type and underwriting tier — non-standard carriers price post-SR22 risk differently than standard carriers newly willing to write you
- Coverage elected post-SR22 — full coverage signals stability and accelerates transition to preferred pricing
- Credit-based insurance score in Wisconsin — improving credit during recovery can reduce rates 10–20% independently of driving record
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Sources
- Wisconsin Department of Transportation - Division of Motor Vehicles
- Wisconsin Office of the Commissioner of Insurance
- Wisconsin Statutes Chapter 344 - Traffic Regulation