Wisconsin SR-22 Insurance After Compliance
Wisconsin requires 25/50/10 liability coverage and is an at-fault state.
Compare Rates After SR-22Wisconsin 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
Minimum Coverage Requirements in Wisconsin
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.
Liability Insurance
Uninsured Motorist Coverage
Comprehensive Coverage
Collision Coverage
Full Coverage (Comprehensive + Collision + Liability)
What Drivers Pay in Wisconsin
$161–$266/mo
Typical monthly rate in Wisconsin, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- 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
Shop Again Now That Your Filing Has Ended
Compare Rates After SR-22If 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
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Minimum 25/50/10 in Wisconsin, but post-SR22 drivers often upgrade to 50/100/25 or higher to improve carrier eligibility and demonstrate ongoing financial responsibility.
SR-22 Insurance
Certificate of financial responsibility filed with the Wisconsin DOT proving continuous coverage. Required for 3 years following DUI, uninsured accidents, or major suspensions. Filing fee is $15–$35, but violation history drives premium.
Full Coverage
Combines liability, comprehensive, and collision into one policy. Post-SR22 drivers with full coverage see faster rate normalization because bundled policies unlock discounts and signal lower risk to underwriters.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance or insufficient coverage. Wisconsin requires offering UM/UIM at 25/50/10 minimums, which you can accept or reject in writing.
Comprehensive Coverage
Pays for non-collision damage like theft, vandalism, weather, and animal strikes. Not required in Wisconsin, but lenders mandate it for financed vehicles and it unlocks bundling discounts for post-SR22 drivers.
Collision Coverage
Covers damage to your vehicle in an at-fault accident. Post-SR22 drivers rebuilding their record benefit from collision because it protects vehicle equity and demonstrates financial planning to underwriters.