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
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage 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.
