SR-22s are a requirement in Wisconsin for drivers who get convicted of a serious traffic violation or cause a severe accident. “SR-22 insurance” is not a type of insurance policy, but rather a certificate that proves you have the required amount of insurance in your state.
High-risk drivers might be required to file SR-22 alternatives depending on where they live, which can also impact the cost. In this guide, we will discuss the SR-22 requirements in Wisconsin, how much an SR-22 costs and how you can get one.
What is “SR-22 insurance?”
“SR-22 insurance” is a proof of insurance form. It certifies that you carry the minimum amount of car insurance required in Wisconsin, which is abbreviated as 25/50/10. That includes $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident and $10,000 in property damage coverage per accident.
Drivers who receive a serious traffic violation, get into an accident with injuries or fatalities, or lose their driver’s license are typically required to obtain an SR-22 in Wisconsin. In order to get your license reinstated, you must have an SR-22 on file with the Wisconsin DMV and if you are uninsured, you must purchase a car insurance policy that meets the state’s coverage requirements.
In Wisconsin, not every car insurance company offers SR-22 certificates. Your best option is to look for insurance companies that specialize in non-standard or high-risk car insurance to get an SR-22. Once you fill out the paperwork and verify your insurance coverage, the provider will file the certificate with the DMV.
SR-22 Wisconsin alternatives
Not all states require SR-22s after a serious traffic violation. Some drivers may be required to file an alternative financial responsibility form based on their state, the type of violation or a repeat violation. However, Wisconsin only uses SR-22 certificates. Here are some common SR-22 alternatives, where they are required and how they impact insurance requirements:
|Form||States issued||Required insurance minimums|
|SR-22||Every state except Delaware, Kentucky, Minnesota, New, Mexico, New York, North Carolina, Oklahoma and Pennsylvania||State minimum insurance coverage|
|SR-19||California and Texas||State minimum uninsured motorist (UM) coverage|
|SR-21||Florida, Georgia and Indiana||State minimum insurance coverage|
|SR-22A||Georgia, Texas and Missouri||State minimum insurance coverage|
|FR-44||Florida and Virginia||State minimum coverage with increased liability insurance limits|
|SR-50||Indiana||State minimum insurance coverage|
- SR-19: Drivers in California and Texas are required to submit an SR-19 form if they get hit by an uninsured driver. This form is required in order to file an uninsured motorist claim with the insurance company.
- SR-21: If a driver causes an accident in Florida, Georgia or Indiana, the state DMV uses an SR-21 form to verify that the driver held the state’s minimum required amount of insurance at the time and date of the crash.
- SR-22A: SR-22A forms are only found in Georgia, Texas and Missouri. This form serves the same purpose as a traditional SR-22 form, which is required if a driver gets their license suspended after receiving a violation.
- FR-44: Florida and Virginia are the only states that have FR-44 insurance. FR-44s and SR-22s are similar, but with an FR-44, the driver is required to carry more liability insurance than what is usually included in a minimum coverage policy.
- SR-50: Indiana is the only state that uses SR-50 forms. It is a special certificate of proof of insurance coverage that includes the policy’s start and end date and is used to verify coverage in the event of an accident or violation.
Drivers in Wisconsin are required to purchase non-owner SR-22 insurance if they receive a violation or cause a serious accident while using a borrowed vehicle. Non-owner SR-22s and standard SR-22s have the same insurance requirements. In this situation, even if you do not own a registered vehicle, you would have to buy a non-owner insurance policy to meet the requirements and obtain an SR-22.
SR-22 Wisconsin insurance costs
SR-22s incur a one-time fee, unlike the recurring cost of car insurance. You will have to pay a small filing fee when you purchase an SR-22, but the cost is typically under $50. If your driver’s license is suspended, you will typically also have to pay a license reinstatement fee to get it back. This could cost anywhere from $50 – $200 depending on the reason why your license was suspended.
More importantly, having an SR-22 on your record will reflect other factors that affect your car insurance premium. Expect your rate to increase significantly if a DUI or driving without insurance led to the SR-22 requirement being instated. While the SR-22 requirement itself does not directly impact your insurance rates, you will typically experience a rate increase in correlation to having an SR-22 requirement.
How long do I need an SR-22 in Wisconsin?
If you are directed to get an SR-22 in Wisconsin, the certificate will stay on your record for three years from the reinstatement eligibility date. You must renew the SR-22 form at the end of each year. Wisconsin does not disclose whether an SR-22 will stay on your record for longer than three years based on the type of violation or the number of offenses you have had.
How do I get SR-22 insurance in Wisconsin
You must get an SR-22 from a company that is licensed to sell insurance in the state of Wisconsin. If your personal car insurance company does not offer SR-22s, look for providers that specialize in non-standard or high-risk auto insurance. These companies are more likely to sell SR-22s and non-owner SR-22s. After you fill out the paperwork and verify your insurance policy information, the insurance company will send the forms to the DMV.
How much does SR-22 insurance cost in Wisconsin
Wisconsin SR-22 forms are usually not very expensive. You will need to pay a filing fee in order for the insurance company to submit the paperwork, but the cost is minimal. Because SR-22s are not a form of insurance, the typical factors that impact the cost, like age or credit score, do not affect the price of an SR-22 certificate.
How do I get cheap SR-22 insurance in Wisconsin?
You can find cheap SR-22s in Wisconsin by calling several providers to ask about the filing fee. However, remember that having an SR-22 on your record typically reflects other factors that can impact your premium, so comparing policies from providers may be where you find greater savings.