SR-22 Wisconsin

Fact-checked with HomeInsurance.com

1

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for

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.

Non-owner SR-22

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.

FAQ

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.