State Requirements
Wisconsin requires minimum liability coverage of 25/50/10: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 for property damage. Drivers convicted of DUI, driving without insurance, or accumulating excessive violations must file SR-22 proof of financial responsibility with the Wisconsin DMV. The state does not require uninsured motorist coverage, but high-risk drivers often add it to protect against gaps in coverage by other drivers. Wisconsin uses a point system where 12 points in 12 months triggers license suspension and SR-22 filing.
Cost Overview
High-risk auto insurance in Wisconsin costs significantly more than standard policies due to violation surcharges, SR-22 filing requirements, and placement with non-standard carriers. A driver with a DUI pays approximately 2–3 times the standard rate, while multiple violations or at-fault accidents can push premiums even higher. Rates vary widely by violation type, time since incident, age, location, and whether you maintain continuous coverage during the SR-22 period.
What Affects Your Rate
- Type of violation: DUI/OWI adds 150–250% to premiums; license suspension adds 80–150%; at-fault accidents add 40–100%
- Time since violation: rates decrease 10–20% annually after 3 years with clean driving
- SR-22 filing requirement: adds $15–$35 filing fee plus carrier surcharges for high-risk placement
- Location: Milwaukee, Madison, and Green Bay average 15–25% higher rates than rural Wisconsin counties due to accident frequency and theft rates
- Age and gender: drivers under 25 with violations pay 30–50% more than drivers over 25 with identical records
- Continuous coverage: a lapse of 30+ days during SR-22 period can increase rates 20–40% when reinstating
Get non-owner SR-22 coverage without owning a vehicle
Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.
Get Your Free QuoteCoverage Types
SR-22 Insurance
Certificate of financial responsibility filed by your insurer to prove you carry Wisconsin's minimum liability coverage. Required after DUI, suspension, or uninsured driving violations for 3 years.
Non-Standard Auto Insurance
Policies written by carriers specializing in high-risk drivers with DUIs, suspensions, lapses, or poor credit. Often the only option for SR-22 filers turned down by standard insurers.
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Wisconsin's 25/50/10 minimums are low—many high-risk drivers need higher limits to avoid personal liability in lawsuits.
Uninsured Motorist Coverage
Pays for your injuries and damages when hit by a driver with no insurance or a hit-and-run driver. Optional in Wisconsin but recommended given 13% uninsured driver rate.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, regardless of who was responsible. Required by lenders and lessors but optional for owned vehicles.
Comprehensive Coverage
Covers damage to your vehicle from theft, vandalism, weather, fire, and animal strikes. Typically required alongside collision if you finance your vehicle.
