Car Insurance with an SR-22 in Wisconsin

The Zebra
Nov. 16, 2018

If an SR-22 is required in order for you to get car insurance in Wisconsin, you aren't alone. This relatively common requirement is sometimes requested after a driving violation like a DUI conviction, a driving-without-insurance citation, an at-fault crash, a ticket for driving with a suspended license, or collecting excessive points on your license.

Finding cheap car insurance with an SR-22 in Wisconsin might require some research, but the savings are worth the trouble. We analyzed how much money a Wisconsin SR-22 typically costs and how to request one — let's dive into the details.

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How much is Wisconsin SR-22 insurance?

Insurance with an SR-22 stipulation in Wisconsin can be expensive. This isn't a direct cost of the SR-22 — typical filing fees are $15-$35 — but a product of the insurance rate increases affiliated with the violation that made the SR-22 necessary in the first place.

Car insurance companies charge risky drivers more expensive rates to account for the increased risk of claims payouts. The rate increase you’ll receive will depend on the severity and number of citations — below are standard insurance rates for drivers with SR-22s in Wisconsin.

Rating factorAverage annual rateIncrease vs. clean record
No violations$1,040.43
At-fault collision (>$2,000)$1,608.00$567.57
Speeding (21-25 mph > limit)$1,338.25$297.82
Reckless driving$1,687.37$646.94
Hit and run$1,716.61$676.18

If you’re looking for affordable auto insurance with an SR-22, we're here to help. Submit your ZIP code to get personalized car insurance quotes from top companies.

How to easily get an SR-22 in Wisconsin

Currently insured:

If you currently have auto insurance, requesting an SR-22 certificate might be easy. Phone your insurer request they file an SR-22 request on your behalf. If your current insurer won't file for an SR-22, you'll need to look for a new insurance company.


When applying for auto insurance, you'll be billed extra to cover the cost of the SR-22 request form and your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.

For drivers who don’t own a vehicle:

If you don't own a vehicle, it could be more difficult to obtain an SR-22, as you will need to show proof of insurance to obtain the certificate. If this is the case, get a non-owners car insurance policy before requesting a certificate. A non-owners policy is usually cheaper than standard coverage since it doesn't cover physical damage to your vehicle.

Methodology and data sources

From September to December 2017, The Zebra conducted comprehensive auto insurance pricing analysis via our proprietary quote engine, comprising data from insurance rating platforms and public rate filings. The Zebra assessed nearly 53 million rates to identify trends for specific car insurance pricing factors across all United States ZIP codes, averaged by state, including Washington, D.C.

Learn more about SR-22 certificate requirements and how they impact car insurance rates.